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 May 28, 2026, the top 3 include Anna Miller (United Bank of Michigan, NMLS #1546701), Karen Stein (AAC Credit Union, NMLS #480558), 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 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 25 | 89.3% |
| #1 | Karen Stein | 480558 | AAC Credit Union | 417591 | Spring Lake, MI | $1.4M | 25 | 67.6% |
| #3 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $4.9M | 23 | 69.7% |
| #4 | Bing Guo | 138564 | A Best Financial Corporation | 138461 | Canton, MI | $9.0M | 22 | 68.8% |
| #4 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.0M | 22 | 78.6% |
| #4 | Jared Dykstra | 441913 | United Bank of Michigan | 463806 | Jenison, MI | $6.8M | 22 | 88.0% |
| #7 | Henry Do | 1863960 | Swift Home Loans, Inc. | 2075228 | Houston, TX | $4.7M | 20 | 42.6% |
| #7 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.4M | 20 | 60.6% |
| #9 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $1.5M | 17 | 39.5% |
| #9 | Ryan Maneke | 1570101 | ARBOR FINANCIAL CREDIT UNION | 409456 | Kalamazoo, MI | $1.5M | 17 | 77.3% |
| #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% |
| #13 | Melissa Montano | 597497 | VIBE CREDIT UNION | 405039 | — | $876K | 16 | 61.5% |
| #14 | Stephen Crusoe | 514716 | Citizens National Bank of Cheboygan | 417225 | Cheboygan, MI | $1.6M | 15 | 78.9% |
| #14 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $992K | 15 | 55.6% |
| #16 | 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% |
| #18 | Craig Marcoux | 135023 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $967K | 12 | 40.0% |
| #18 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $401K | 12 | 31.6% |
| #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% |
| #22 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $1.7M | 11 | 26.2% |
| #22 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $1.1M | 11 | 64.7% |
| #22 | Jenny Schuiteboer | 1076469 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.6M | 11 | 23.9% |
| #22 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $2.0M | 11 | 16.4% |
| #22 | Renee Nyblade | 506395 | ChoiceOne Bank | 302123 | Muskegon, MI | $2.3M | 11 | 91.7% |
| #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% |
| #29 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $2.3M | 9 | 75.0% |
| #29 | Michelle Miller | 503812 | United Bank of Michigan | 463806 | Clarksville, MI | $2.6M | 9 | 69.2% |
| #29 | MICHELLE MILLER | 972032 | Citizens National Bank of Cheboygan | 417225 | Indian River, MI | $2.1M | 9 | 75.0% |
| #29 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $1.6M | 9 | 56.3% |
| #29 | James Barnette | 421338 | United Financial Credit Union | 652309 | Saginaw, MI | $1.1M | 9 | 69.2% |
| #29 | Monica Hazel | 275386 | United Bank of Michigan | 463806 | Grand Rapids, MI | $2.8M | 9 | 60.0% |
| #29 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $3.1M | 9 | 32.1% |
| #29 | Camille Kenyon | 685273 | State Savings Bank | 561530 | Gaylord, MI | $1.2M | 9 | 60.0% |
| #29 | Anthony Shkrelja | 251595 | Wall Street Lending Corporation | 175675 | Clinton Township, MI | $1.8M | 9 | 60.0% |
| #29 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $665K | 9 | 40.9% |
| #39 | Cesar Gonzalez | 451361 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $786K | 8 | 66.7% |
| #39 | DANIEL CAVANAUGH | 455018 | MERCANTILE BANK | 419813 | — | $603K | 8 | 50.0% |
| #39 | Cynthia Schurr | 1037828 | Community West Credit Union | 607371 | Kentwood, MI | $733K | 8 | 66.7% |
| #39 | Tracey McIntosh-Anderson | 718450 | ChoiceOne Bank | 302123 | Lapeer, MI | $1.6M | 8 | 44.4% |
| #39 | Michael Izenbaard | 121830 | Heartland Home Mortgage LLC | 121569 | Grand Rapids, MI | $1.4M | 8 | 66.7% |
| #39 | Chris Griffin | 197694 | West Shore Bank | 552389 | Ludington, MI | $1.4M | 8 | 53.3% |
| #39 | william robinson | 783174 | Dart Bank, The | 406384 | Lansing, MI | $300K | 8 | 40.0% |
| #39 | Amy Sheppard | 746745 | Dart Bank, The | 406384 | Chelsea, MI | $475K | 8 | 72.7% |
| #39 | STACY TITCHENAL | 764566 | Community Choice Credit Union | 451369 | — | $576K | 8 | 29.6% |
| #39 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $343K | 8 | 66.7% |
| #39 | Miranda Reynolds | 1222272 | Community First Federal Credit Union | 451322 | Lakeview, MI | $981K | 8 | 36.4% |
| #39 | 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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2023
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