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 October 11, 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 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $6.8M | 22 | 88.0% |
| #5 | Bing Guo | 138564 | A Best Financial Corporation | 138461 | Canton, MI | $9.0M | 22 | 68.8% |
| #7 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 21 | 61.8% |
| #8 | Henry Do | 1863960 | Lit Financial Corporation | 2553292 | Troy, MI | $4.7M | 20 | 42.6% |
| #9 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.9M | 17 | 63.0% |
| #9 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $2.5M | 17 | 81.0% |
| #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 | Craig Marcoux | 135023 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $1.1M | 14 | 43.8% |
| #15 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.1M | 14 | 29.2% |
| #17 | Andi Numan | 1011848 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $4.7M | 13 | 76.5% |
| #17 | Stephen Crusoe | 514716 | Citizens National Bank of Cheboygan | 417225 | Cheboygan, MI | $1.3M | 13 | 81.3% |
| #19 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $1.4M | 12 | 80.0% |
| #19 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $2.8M | 12 | 70.6% |
| #19 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $401K | 12 | 30.8% |
| #22 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $1.1M | 11 | 68.8% |
| #22 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $2.0M | 11 | 16.4% |
| #22 | Jenny Schuiteboer | 1076469 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.6M | 11 | 23.9% |
| #22 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $1.7M | 11 | 25.6% |
| #26 | James Barnette | 421338 | United Financial Credit Union | 652309 | Saginaw, MI | $1.1M | 10 | 71.4% |
| #26 | Michelle Miller | 503812 | United Bank of Michigan | 463806 | Clarksville, MI | $2.9M | 10 | 71.4% |
| #26 | Monica Hazel | 275386 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.1M | 10 | 66.7% |
| #26 | Shari Kline | 537398 | Southern Michigan Bank & Trust | 480296 | — | $1.3M | 10 | 90.9% |
| #26 | Renee Nyblade | 506395 | ChoiceOne Bank | 302123 | Muskegon, MI | $2.2M | 10 | 90.9% |
| #26 | Donald Timlowski | 438931 | MERCANTILE BANK | 419813 | Holland, MI | $1.7M | 10 | 66.7% |
| #32 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $1.6M | 9 | 56.3% |
| #32 | Cynthia Schurr | 1037828 | Community West Credit Union | 607371 | Kentwood, MI | $815K | 9 | 69.2% |
| #32 | MICHELLE MILLER | 972032 | Citizens National Bank of Cheboygan | 417225 | — | $2.1M | 9 | 75.0% |
| #32 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $2.3M | 9 | 75.0% |
| #32 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $665K | 9 | 42.9% |
| #32 | Anthony Shkrelja | 251595 | Wall Street Lending Corporation | 175675 | Clinton Township, MI | $1.8M | 9 | 60.0% |
| #38 | STACY TITCHENAL | 764566 | Community Choice Credit Union | 451369 | — | $576K | 8 | 29.6% |
| #38 | Camille Kenyon | 685273 | State Savings Bank | 561530 | Gaylord, MI | $807K | 8 | 57.1% |
| #38 | Michael Izenbaard | 121830 | Heartland Home Mortgage LLC | 121569 | Grand Rapids, MI | $1.4M | 8 | 66.7% |
| #38 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $2.9M | 8 | 28.6% |
| #38 | Chris Griffin | 197694 | West Shore Bank | 552389 | Ludington, MI | $1.4M | 8 | 53.3% |
| #38 | Tracey McIntosh-Anderson | 718450 | ChoiceOne Bank | 302123 | Lapeer, MI | $1.6M | 8 | 44.4% |
| #38 | Miranda Reynolds | 1222272 | Community First Federal Credit Union | 451322 | Lakeview, MI | $981K | 8 | 36.4% |
| #38 | Cesar Gonzalez | 451361 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $786K | 8 | 66.7% |
| #38 | Brian Talbot | 951770 | MERCANTILE BANK | 419813 | Ionia, MI | $736K | 8 | 80.0% |
| #38 | william robinson | 783174 | Dart Bank, The | 406384 | Lansing, MI | $300K | 8 | 40.0% |
| #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 | DANIEL CAVANAUGH | 455018 | MERCANTILE BANK | 419813 | — | $603K | 8 | 50.0% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2023
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