Retention champions in Michigan in 2023, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Karen Stein (AAC Credit Union, NMLS #480558), Anna Miller (United Bank of Michigan, NMLS #1546701), and Jennifer Ferguson (United Bank of Michigan, NMLS #756208).
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 | Karen Stein | 480558 | AAC Credit Union | 417591 | Spring Lake, MI | $1.4M | 25 | 67.6% |
| #1 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 25 | 89.3% |
| #3 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $4.9M | 24 | 70.6% |
| #4 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.1M | 23 | 79.3% |
| #5 | Bing Guo | 138564 | A Best Financial Corporation | 138461 | Canton, MI | $9.0M | 22 | 68.8% |
| #6 | Jared Dykstra | 441913 | United Bank of Michigan | 463806 | Jenison, MI | $6.7M | 21 | 87.5% |
| #6 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 21 | 61.8% |
| #8 | Henry Do | 1863960 | Swift Home Loans, Inc. | 2075228 | Houston, TX | $4.7M | 20 | 42.6% |
| #9 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $2.5M | 17 | 81.0% |
| #9 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.9M | 17 | 65.4% |
| #9 | Ryan Maneke | 1570101 | ARBOR FINANCIAL CREDIT UNION | 409456 | Kalamazoo, MI | $1.5M | 17 | 77.3% |
| #9 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $1.5M | 17 | 39.5% |
| #13 | Melissa Montano | 597497 | VIBE CREDIT UNION | 405039 | — | $876K | 16 | 61.5% |
| #14 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $992K | 15 | 55.6% |
| #15 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.1M | 14 | 29.2% |
| #15 | Stephen Crusoe | 514716 | Citizens National Bank of Cheboygan | 417225 | Cheboygan, MI | $1.3M | 14 | 82.4% |
| #17 | Andi Numan | 1011848 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $4.7M | 13 | 76.5% |
| #18 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $2.8M | 12 | 70.6% |
| #18 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $1.4M | 12 | 80.0% |
| #18 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $401K | 12 | 31.6% |
| #18 | Craig Marcoux | 135023 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $967K | 12 | 40.0% |
| #22 | Jenny Schuiteboer | 1076469 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.6M | 11 | 23.9% |
| #22 | Renee Nyblade | 506395 | ChoiceOne Bank | 302123 | Muskegon, MI | $2.3M | 11 | 91.7% |
| #22 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $2.0M | 11 | 16.4% |
| #22 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $1.1M | 11 | 64.7% |
| #22 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $1.7M | 11 | 26.2% |
| #27 | Michelle Miller | 503812 | United Bank of Michigan | 463806 | Clarksville, MI | $2.9M | 10 | 71.4% |
| #27 | Shari Kline | 537398 | Southern Michigan Bank & Trust | 480296 | — | $1.3M | 10 | 90.9% |
| #27 | Donald Timlowski | 438931 | MERCANTILE BANK | 419813 | Holland, MI | $1.7M | 10 | 66.7% |
| #30 | Monica Hazel | 275386 | United Bank of Michigan | 463806 | Grand Rapids, MI | $2.8M | 9 | 60.0% |
| #30 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $1.6M | 9 | 56.3% |
| #30 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $3.1M | 9 | 32.1% |
| #30 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $2.3M | 9 | 75.0% |
| #30 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $665K | 9 | 42.9% |
| #30 | James Barnette | 421338 | United Financial Credit Union | 652309 | Saginaw, MI | $1.1M | 9 | 69.2% |
| #30 | Cynthia Schurr | 1037828 | Community West Credit Union | 607371 | Kentwood, MI | $815K | 9 | 69.2% |
| #30 | Anthony Shkrelja | 251595 | Wall Street Lending Corporation | 175675 | Clinton Township, MI | $1.8M | 9 | 60.0% |
| #38 | Cesar Gonzalez | 451361 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $786K | 8 | 66.7% |
| #38 | Amy Sheppard | 746745 | Dart Bank, The | 406384 | Chelsea, MI | $475K | 8 | 66.7% |
| #38 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $343K | 8 | 66.7% |
| #38 | Michael Izenbaard | 121830 | Heartland Home Mortgage LLC | 121569 | Grand Rapids, MI | $1.4M | 8 | 66.7% |
| #38 | Camille Kenyon | 685273 | State Savings Bank | 561530 | Gaylord, MI | $807K | 8 | 66.7% |
| #38 | Chris Griffin | 197694 | West Shore Bank | 552389 | Ludington, MI | $1.4M | 8 | 53.3% |
| #38 | MICHELLE MILLER | 972032 | Citizens National Bank of Cheboygan | 417225 | Indian River, MI | $1.8M | 8 | 72.7% |
| #38 | DANIEL CAVANAUGH | 455018 | MERCANTILE BANK | 419813 | — | $603K | 8 | 50.0% |
| #38 | william robinson | 783174 | Dart Bank, The | 406384 | Lansing, MI | $300K | 8 | 40.0% |
| #38 | Tracey McIntosh-Anderson | 718450 | ChoiceOne Bank | 302123 | Lapeer, MI | $1.6M | 8 | 44.4% |
| #38 | STACY TITCHENAL | 764566 | Community Choice Credit Union | 451369 | — | $576K | 8 | 29.6% |
| #38 | Miranda Reynolds | 1222272 | Community First Federal Credit Union | 451322 | Lakeview, MI | $981K | 8 | 36.4% |
| #38 | Brian Talbot | 951770 | MERCANTILE BANK | 419813 | Ionia, MI | $736K | 8 | 80.0% |
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 (2023). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2023
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