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 August 27, 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 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 21 | 61.8% |
| #6 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $6.7M | 21 | 87.5% |
| #8 | Henry Do | 1863960 | Lit Financial Corporation | 2553292 | Troy, MI | $4.7M | 20 | 42.6% |
| #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% |
| #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 | Stephen Crusoe | 514716 | Citizens National Bank of Cheboygan | 417225 | Cheboygan, MI | $1.3M | 13 | 76.5% |
| #17 | Andi Numan | 1011848 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $4.7M | 13 | 76.5% |
| #19 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $401K | 12 | 31.6% |
| #19 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $2.8M | 12 | 70.6% |
| #19 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $1.4M | 12 | 80.0% |
| #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 | 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% |
| #22 | Renee Nyblade | 506395 | ChoiceOne Bank | 302123 | Muskegon, MI | $2.3M | 11 | 91.7% |
| #27 | James Barnette | 421338 | United Financial Credit Union | 652309 | Saginaw, MI | $1.1M | 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% |
| #27 | Michelle Miller | 503812 | United Bank of Michigan | 463806 | Clarksville, MI | $2.9M | 10 | 71.4% |
| #31 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $2.3M | 9 | 75.0% |
| #31 | Anthony Shkrelja | 251595 | Wall Street Lending Corporation | 175675 | Clinton Township, MI | $1.8M | 9 | 60.0% |
| #31 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $1.6M | 9 | 56.3% |
| #31 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $665K | 9 | 42.9% |
| #31 | Camille Kenyon | 685273 | State Savings Bank | 561530 | Gaylord, MI | $1.2M | 9 | 60.0% |
| #31 | Cynthia Schurr | 1037828 | Community West Credit Union | 607371 | Kentwood, MI | $815K | 9 | 69.2% |
| #31 | Monica Hazel | 275386 | United Bank of Michigan | 463806 | Grand Rapids, MI | $2.8M | 9 | 60.0% |
| #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 | 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 | Laurie Wilson | 563895 | The Huntington National Bank | 402436 | Norton Shores, MI | $349K | 8 | 33.3% |
| #38 | DANIEL CAVANAUGH | 455018 | MERCANTILE BANK | 419813 | — | $603K | 8 | 50.0% |
| #38 | MICHELLE MILLER | 972032 | Citizens National Bank of Cheboygan | 417225 | — | $1.8M | 8 | 72.7% |
| #38 | Cesar Gonzalez | 451361 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $786K | 8 | 66.7% |
| #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 | Brian Talbot | 951770 | MERCANTILE BANK | 419813 | Ionia, MI | $736K | 8 | 80.0% |
| #38 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $343K | 8 | 66.7% |
| #38 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $2.9M | 8 | 29.6% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2023
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