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 May 28, 2026, the top 3 include Henry Do (Swift Home Loans, Inc., 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 | Swift Home Loans, Inc. | 2075228 | Houston, TX | $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 | $9.4M | 34 | 39.5% |
| #4 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $6.0M | 33 | 66.0% |
| #5 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $5.3M | 28 | 73.7% |
| #5 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $2.0M | 28 | 45.9% |
| #7 | Darlene Stead-Smith | 1019187 | North Central Area Credit Union | 409580 | Roscommon, MI | $1.5M | 27 | 90.0% |
| #7 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $4.0M | 27 | 40.9% |
| #9 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $5.8M | 26 | 31.3% |
| #9 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $6.6M | 26 | 96.3% |
| #11 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.7M | 23 | 50.0% |
| #11 | Jared Dykstra | 441913 | United Bank of Michigan | 463806 | Jenison, 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 | 50.0% |
| #15 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $3.2M | 21 | 77.8% |
| #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 | 32.3% |
| #21 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $2.5M | 19 | 65.5% |
| #21 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 19 | 76.0% |
| #21 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $6.4M | 19 | 33.3% |
| #21 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $7.6M | 19 | 33.9% |
| #21 | Chawki Hage | 129921 | PrimeLending, A PlainsCapital Company | 13649 | Dearborn Heights, MI | $4.3M | 19 | 17.8% |
| #26 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.6M | 18 | 39.1% |
| #26 | Sebastian George | 161496 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $5.2M | 18 | 56.3% |
| #26 | Edward Ross | 116912 | North Central Area Credit Union | 409580 | Houghton Lake, MI | $4.0M | 18 | 29.0% |
| #26 | David Kuiper | 728171 | Dart Bank, The | 406384 | Holland, MI | $2.2M | 18 | 64.3% |
| #26 | Donald Timlowski | 438931 | MERCANTILE BANK | 419813 | Holland, MI | $3.8M | 18 | 69.2% |
| #26 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $2.0M | 18 | 78.3% |
| #26 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $1.4M | 18 | 66.7% |
| #33 | Maria Labie | 697437 | Lake Michigan Credit Union | 442967 | Caledonia, MI | $6.7M | 17 | 37.8% |
| #33 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.4M | 17 | 27.4% |
| #33 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.2M | 17 | 70.8% |
| #33 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.9M | 17 | 73.9% |
| #33 | Michael Unkovich | 783180 | Dart Bank, The | 406384 | Lansing, MI | $3.0M | 17 | 65.4% |
| #38 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 16 | 24.2% |
| #38 | Robert Polakovich | 138361 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $3.1M | 16 | 19.3% |
| #40 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $1.2M | 15 | 65.2% |
| #40 | Jeffery Potter | 1160981 | Consumers Credit Union | 414712 | Kalamazoo, MI | $2.7M | 15 | 50.0% |
| #40 | Joseph Joseph | 783167 | Dart Bank, The | 406384 | — | $2.2M | 15 | 65.2% |
| #40 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.2M | 15 | 32.6% |
| #44 | Colin Quiney | 137202 | My City Home Loans, Inc. | 2468515 | Grand Rapids, MI | $2.9M | 14 | 40.0% |
| #44 | Jamie Stocks | 133055 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.9M | 14 | 41.2% |
| #44 | James Long | 563874 | The Huntington National Bank | 402436 | — | $14.2M | 14 | 70.0% |
| #44 | Rannie Bawab | 20441 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.0M | 14 | 28.6% |
| #44 | Judy Mason | 783171 | Dart Bank, The | 406384 | Lansing, MI | $2.1M | 14 | 70.0% |
| #44 | Reinaldo Farah | 32708 | JPMorgan Chase Bank, National Association | 399798 | Rochester Hills, MI | $6.2M | 14 | 58.3% |
| #44 | Scot Veneklase | 153844 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $2.8M | 14 | 42.4% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2022
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