Retention champions in Michigan in 2024, 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 Bing Guo (A Best Financial Corporation, NMLS #138564), Christopher Puzzuoli (HFG Holdings, Inc., NMLS #276711), and Philip Lapinski (HFG Holdings, Inc., NMLS #1485025).
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 | Bing Guo | 138564 | A Best Financial Corporation | 138461 | Canton, MI | $53.0M | 116 | 87.9% |
| #2 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $13.5M | 49 | 57.0% |
| #3 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $8.2M | 37 | 43.0% |
| #4 | Jeffrey Kujan | 406704 | First Merchants Bank | 454552 | Farmington Hills, MI | $14.9M | 36 | 83.7% |
| #5 | Kelly Russo | 1147434 | Hantz Financial Services, Inc. | 167864 | Southfield, MI | $10.8M | 35 | 70.0% |
| #6 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $11.0M | 34 | 60.7% |
| #7 | Karen Stein | 480558 | AAC Credit Union | 417591 | Spring Lake, MI | $2.0M | 31 | 91.2% |
| #8 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $4.9M | 29 | 87.9% |
| #9 | Jon Aucutt | 710259 | SUPERIOR NATIONAL BANK | 411460 | Troy, MI | $11.0M | 27 | 48.2% |
| #10 | Jeanna Carey | 1069188 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $13.0M | 25 | 50.0% |
| #10 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.8M | 25 | 48.1% |
| #10 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $4.1M | 25 | 69.4% |
| #13 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $3.2M | 24 | 77.4% |
| #13 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $10.6M | 24 | 54.5% |
| #15 | Joshua Sell | 1523964 | HFG Holdings, Inc. | 1467435 | Troy, MI | $6.0M | 23 | 52.3% |
| #15 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $6.1M | 23 | 50.0% |
| #15 | Nick Vagnetti | 173350 | Union Home Mortgage Corp. | 2229 | Rochester, MI | $7.3M | 23 | 71.9% |
| #15 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 23 | 59.0% |
| #19 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.3M | 22 | 73.3% |
| #19 | Andi Numan | 1011848 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $18.1M | 22 | 71.0% |
| #19 | Sam Amine | 161982 | Velocity Home Loans Corp | 2706011 | Brighton, MI | $5.8M | 22 | 75.9% |
| #22 | Seth Bellas | 1210102 | Canopy Mortgage, LLC | 1359687 | Wyoming, MI | $5.1M | 21 | 61.8% |
| #22 | Rebecca Alley | 133979 | CMG Mortgage, Inc. | 1820 | Bingham Farms, MI | $2.1M | 21 | 47.7% |
| #22 | Nicholas Martin | 1700651 | HFG Holdings, Inc. | 1467435 | Troy, MI | $5.3M | 21 | 42.9% |
| #22 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $9.8M | 21 | 44.7% |
| #22 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.0M | 21 | 51.2% |
| #22 | Loren Hotchkiss | 166413 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $1.5M | 21 | 87.5% |
| #28 | Christopher Harris | 162723 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $4.4M | 20 | 43.5% |
| #28 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $5.5M | 20 | 29.9% |
| #28 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $5.2M | 20 | 87.0% |
| #28 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.1M | 20 | 71.4% |
| #32 | Curt Stuck | 436355 | United Federal Credit Union | 471962 | Grand Rapids, MI | $5.5M | 19 | 73.1% |
| #32 | Peter Louisell | 46232 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.0M | 19 | 43.2% |
| #32 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $2.7M | 19 | 63.3% |
| #32 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $4.7M | 19 | 57.6% |
| #36 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $1.8M | 18 | 31.0% |
| #36 | Shri Pattabhi | 118851 | Direct Home Mortgages LLC | 1522405 | Troy, MI | $7.7M | 18 | 47.4% |
| #38 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $1.3M | 17 | 68.0% |
| #38 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.1M | 17 | 30.9% |
| #38 | Robyn Berg | 630894 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.8M | 17 | 45.9% |
| #41 | Lawrence Nino | 830317 | First State Bank | 462643 | Clinton Twp, MI | $1.9M | 16 | 43.2% |
| #41 | David Thomas | 585409 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.1M | 16 | 39.0% |
| #41 | Michael Bartels | 162450 | Old National Bank | 459308 | Ada, MI | $6.4M | 16 | 59.3% |
| #44 | Matthew Ranck | 1107354 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.0M | 15 | 83.3% |
| #44 | Zachary King | 1783308 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $3.9M | 15 | 68.2% |
| #44 | Jonathan Arnold | 129471 | Guild Mortgage Company LLC | 3274 | Ada, MI | $4.2M | 15 | 37.5% |
| #44 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $852K | 15 | 36.6% |
| #44 | James Virden | 770861 | West Shore Bank | 552389 | Ludington, MI | $3.5M | 15 | 34.1% |
| #44 | Nicholas Hutzel | 562869 | Meijer Credit Union | 488829 | Grand Rapids, MI | $2.1M | 15 | 100.0% |
| #44 | Martha Richards | 27562 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.9M | 15 | 31.9% |
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 (2024). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2024
Powered by ChatMMI