Retention champions in Michigan in 2022, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include Henry Do (Lit Financial Corporation, NMLS #1863960), Grant Holmes (Mortgage 1 Incorporated, NMLS #135241), and Matthew Adler (Lake Michigan Credit Union, NMLS #138345).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Henry Do | 1863960 | Lit Financial Corporation | 2553292 | Troy, MI | $10.8M | 40 | 62.5% |
| #2 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $8.8M | 38 | 69.1% |
| #3 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $9.7M | 35 | 39.8% |
| #4 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $6.1M | 34 | 66.7% |
| #5 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $7.5M | 29 | 100.0% |
| #5 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $5.3M | 29 | 74.4% |
| #7 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $2.0M | 28 | 45.9% |
| #8 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $4.0M | 27 | 40.9% |
| #8 | Darlene Stead-Smith | 1019187 | North Central Area Credit Union | 409580 | Roscommon, MI | $1.5M | 27 | 90.0% |
| #8 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $6.2M | 27 | 32.1% |
| #11 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.7M | 24 | 51.1% |
| #12 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $7.7M | 23 | 57.5% |
| #13 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.2M | 22 | 50.0% |
| #13 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $3.7M | 22 | 26.5% |
| #15 | Jon Aucutt | 710259 | SUPERIOR NATIONAL BANK | 411460 | Troy, MI | $7.5M | 21 | 29.6% |
| #15 | Thomas Fain | 27924 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.0M | 21 | 48.8% |
| #15 | Ryan Maneke | 1570101 | ARBOR FINANCIAL CREDIT UNION | 409456 | Kalamazoo, MI | $3.0M | 21 | 51.2% |
| #15 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $3.2M | 21 | 77.8% |
| #19 | Chawki Hage | 129921 | PrimeLending, A PlainsCapital Company | 13649 | Dearborn Heights, MI | $4.3M | 20 | 18.3% |
| #19 | David Bishop | 509125 | Lake Michigan Credit Union | 442967 | Grand Blanc, MI | $7.3M | 20 | 52.6% |
| #19 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.9M | 20 | 31.7% |
| #22 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $6.4M | 19 | 33.3% |
| #22 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $7.6M | 19 | 33.9% |
| #22 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 19 | 76.0% |
| #22 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $2.5M | 19 | 65.5% |
| #22 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $2.3M | 19 | 79.2% |
| #27 | Sebastian George | 161496 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $5.2M | 18 | 54.5% |
| #27 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.6M | 18 | 38.3% |
| #27 | Edward Ross | 116912 | North Central Area Credit Union | 409580 | Houghton Lake, MI | $4.0M | 18 | 29.5% |
| #27 | Donald Timlowski | 438931 | MERCANTILE BANK | 419813 | Holland, MI | $3.8M | 18 | 69.2% |
| #27 | David Kuiper | 728171 | Dart Bank, The | 406384 | Holland, MI | $2.2M | 18 | 64.3% |
| #27 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $1.4M | 18 | 66.7% |
| #33 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.4M | 17 | 27.4% |
| #33 | Michael Unkovich | 783180 | Dart Bank, The | 406384 | Lansing, MI | $3.0M | 17 | 65.4% |
| #33 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $1.3M | 17 | 68.0% |
| #33 | Maria Labie | 697437 | Lake Michigan Credit Union | 442967 | Caledonia, MI | $6.7M | 17 | 37.0% |
| #37 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.0M | 16 | 69.6% |
| #37 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 16 | 24.2% |
| #37 | Robert Polakovich | 138361 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $3.1M | 16 | 19.3% |
| #37 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.8M | 16 | 69.6% |
| #37 | Joseph Joseph | 783167 | Dart Bank, The | 406384 | — | $2.6M | 16 | 66.7% |
| #37 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.5M | 16 | 34.0% |
| #43 | Jodi Rogers | 740673 | DFCU Financial | 409709 | — | $3.2M | 15 | 51.7% |
| #43 | Jeffery Potter | 1160981 | Consumers Credit Union | 414712 | Kalamazoo, MI | $2.7M | 15 | 48.4% |
| #45 | Jamie Stocks | 133055 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.9M | 14 | 41.2% |
| #45 | Colin Quiney | 137202 | My City Home Loans, Inc. | 2468515 | Grand Rapids, MI | $2.9M | 14 | 40.0% |
| #45 | James Long | 563874 | The Huntington National Bank | 402436 | — | $14.2M | 14 | 70.0% |
| #45 | Reinaldo Farah | 32708 | JPMorgan Chase Bank, National Association | 399798 | Rochester Hills, MI | $6.2M | 14 | 58.3% |
| #45 | Rannie Bawab | 20441 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.0M | 14 | 28.6% |
| #45 | Scot Veneklase | 153844 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $2.8M | 14 | 41.2% |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Retention Champions by Loan Count — Michigan (2022). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2022
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