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 May 28, 2026, the top 3 include Bing Guo (A Best Financial Corporation, NMLS #138564), Christopher Puzzuoli (HFG Holdings, Inc., NMLS #276711), and Jeffrey Kujan (First Merchants Bank, NMLS #406704).
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 | 88.5% |
| #2 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $12.7M | 47 | 56.0% |
| #3 | Jeffrey Kujan | 406704 | First Merchants Bank | 454552 | Farmington Hills, MI | $14.9M | 36 | 83.7% |
| #3 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $8.2M | 36 | 42.4% |
| #5 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $11.0M | 34 | 60.7% |
| #5 | Kelly Russo | 1147434 | Hantz Financial Services, Inc. | 167864 | Southfield, MI | $10.5M | 34 | 69.4% |
| #7 | Karen Stein | 480558 | AAC Credit Union | 417591 | Spring Lake, MI | $1.9M | 29 | 90.6% |
| #7 | 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 | 49.1% |
| #10 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $4.1M | 25 | 71.4% |
| #11 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.8M | 24 | 47.1% |
| #11 | Jeanna Carey | 1069188 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $12.2M | 24 | 49.0% |
| #11 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $10.6M | 24 | 54.5% |
| #14 | Nick Vagnetti | 173350 | Union Home Mortgage Corp. | 2229 | Rochester, MI | $7.3M | 23 | 71.9% |
| #14 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $3.1M | 23 | 74.2% |
| #14 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 23 | 59.0% |
| #14 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.6M | 23 | 74.2% |
| #18 | Joshua Sell | 1523964 | HFG Holdings, Inc. | 1467435 | Troy, MI | $5.8M | 22 | 50.0% |
| #18 | Andi Numan | 1011848 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $18.1M | 22 | 71.0% |
| #18 | Sam Amine | 161982 | Velocity Home Loans Corp | 2706011 | Brighton, MI | $5.8M | 22 | 75.9% |
| #18 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $5.9M | 22 | 48.9% |
| #22 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.0M | 21 | 52.5% |
| #22 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.2M | 21 | 72.4% |
| #22 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $9.8M | 21 | 44.7% |
| #22 | Loren Hotchkiss | 166413 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $1.5M | 21 | 87.5% |
| #22 | Rebecca Alley | 133979 | CMG Mortgage, Inc. | 1820 | Bingham Farms, MI | $2.1M | 21 | 47.7% |
| #27 | Nicholas Martin | 1700651 | HFG Holdings, Inc. | 1467435 | Troy, MI | $5.0M | 20 | 41.7% |
| #27 | Seth Bellas | 1210102 | Canopy Mortgage, LLC | 1359687 | Wyoming, MI | $4.9M | 20 | 60.6% |
| #27 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $5.5M | 20 | 29.9% |
| #27 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $3.1M | 20 | 64.5% |
| #27 | Jared Dykstra | 441913 | United Bank of Michigan | 463806 | Jenison, MI | $5.2M | 20 | 87.0% |
| #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 | 44.2% |
| #32 | Christopher Harris | 162723 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $4.1M | 19 | 42.2% |
| #35 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $4.3M | 18 | 54.5% |
| #35 | Shri Pattabhi | 118851 | Direct Home Mortgages LLC | 1522405 | Troy, MI | $7.7M | 18 | 47.4% |
| #35 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $1.8M | 18 | 31.6% |
| #38 | Robyn Berg | 630894 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.8M | 17 | 45.9% |
| #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% |
| #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 | 61.5% |
| #41 | Ali Al-Ammar | 368700 | Vesta Financial Group, LLC | 1748450 | Dearborn, MI | $4.6M | 16 | 72.7% |
| #45 | Zachary King | 1783308 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $3.9M | 15 | 68.2% |
| #45 | Matthew Ranck | 1107354 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.0M | 15 | 83.3% |
| #45 | Martha Richards | 27562 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.9M | 15 | 31.9% |
| #45 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $852K | 15 | 36.6% |
| #45 | Jonathan Arnold | 129471 | Guild Mortgage Company LLC | 3274 | Ada, MI | $4.2M | 15 | 37.5% |
| #50 | Katherine Davis | 436627 | Union Home Mortgage Corp. | 2229 | Saint Clair, MI | $2.8M | 14 | 63.6% |
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 (2024). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2024
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