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 October 11, 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 | 88.5% |
| #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 | 88.6% |
| #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 | $11.3M | 28 | 49.1% |
| #10 | Jeanna Carey | 1069188 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $13.0M | 26 | 51.0% |
| #11 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $4.1M | 25 | 69.4% |
| #11 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.8M | 25 | 48.1% |
| #13 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $10.6M | 24 | 54.5% |
| #13 | Luella Ingles | 1409457 | ChoiceOne Bank | 302123 | Sparta, MI | $3.2M | 24 | 77.4% |
| #15 | Joshua Sell | 1523964 | HFG Holdings, Inc. | 1467435 | Troy, MI | $6.0M | 23 | 52.3% |
| #15 | Brittany Boka | 1485245 | VIBE CREDIT UNION | 405039 | Clarkston, MI | $1.6M | 23 | 59.0% |
| #15 | Nick Vagnetti | 173350 | Union Home Mortgage Corp. | 2229 | Rochester, MI | $7.3M | 23 | 74.2% |
| #15 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $6.1M | 23 | 50.0% |
| #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% |
| #19 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.3M | 22 | 73.3% |
| #22 | Seth Bellas | 1210102 | Canopy Mortgage, LLC | 1359687 | Wyoming, MI | $5.1M | 21 | 61.8% |
| #22 | Nicholas Martin | 1700651 | HFG Holdings, Inc. | 1467435 | Troy, MI | $5.3M | 21 | 42.9% |
| #22 | Rebecca Alley | 133979 | CMG Mortgage, Inc. | 1820 | Bingham Farms, MI | $2.1M | 21 | 47.7% |
| #22 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.0M | 21 | 51.2% |
| #22 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $9.8M | 21 | 44.7% |
| #27 | Loren Hotchkiss | 166413 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $1.5M | 20 | 87.0% |
| #27 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $3.1M | 20 | 64.5% |
| #27 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.1M | 20 | 71.4% |
| #27 | Christopher Harris | 162723 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $4.4M | 20 | 43.5% |
| #27 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $5.5M | 20 | 29.9% |
| #27 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $5.2M | 20 | 87.0% |
| #33 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $2.0M | 19 | 32.8% |
| #33 | Peter Louisell | 46232 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.0M | 19 | 43.2% |
| #33 | Curt Stuck | 436355 | United Federal Credit Union | 471962 | Grand Rapids, MI | $5.5M | 19 | 73.1% |
| #33 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $4.7M | 19 | 57.6% |
| #37 | Shri Pattabhi | 118851 | Direct Home Mortgages LLC | 1522405 | Troy, MI | $7.7M | 18 | 47.4% |
| #38 | Robyn Berg | 630894 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.8M | 17 | 45.9% |
| #38 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.1M | 17 | 30.9% |
| #38 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $1.3M | 17 | 68.0% |
| #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% |
| #41 | Lawrence Nino | 830317 | First State Bank | 462643 | Clinton Twp, MI | $1.9M | 16 | 43.2% |
| #44 | Zachary King | 1783308 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $3.9M | 15 | 68.2% |
| #44 | Ali Al-Ammar | 368700 | Vesta Financial Group, LLC | 1748450 | Dearborn, MI | $4.4M | 15 | 71.4% |
| #44 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $852K | 15 | 36.6% |
| #44 | Eric Ehrhardt | 28158 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.3M | 15 | 34.9% |
| #44 | James Virden | 770861 | West Shore Bank | 552389 | Ludington, MI | $3.5M | 15 | 34.1% |
| #44 | Martha Richards | 27562 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $2.9M | 15 | 31.9% |
| #44 | Nicholas Hutzel | 562869 | Meijer Credit Union | 488829 | Grand Rapids, MI | $2.1M | 15 | 100.0% |
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 (2024). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2024
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