Retention champions in New York in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 23, 2026, the top 3 include Kerenza Bockus (Sidney Federal Credit Union, NMLS #2594952), Bruce Salik (Guaranteed Rate, Inc., NMLS #79065), and Julia McGarvey (Sunmark Credit Union, NMLS #2004876).
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 | Kerenza Bockus | 2594952 | Sidney Federal Credit Union | 609016 | Sidney, NY | $6.6M | 29 | 85.3% |
| #2 | Bruce Salik | 79065 | Guaranteed Rate, Inc. | 2611 | Coral Springs, FL | $4.3M | 19 | 63.3% |
| #3 | Julia McGarvey | 2004876 | Sunmark Credit Union | 509402 | Latham, NY | $1.1M | 15 | 65.2% |
| #3 | Melanie Swetz | 37756 | Manufacturers and Traders Trust Company | 381076 | Cheektowaga, NY | $4.6M | 15 | 93.8% |
| #5 | LUIS KHOURY | 66890 | CrossCountry Mortgage, LLC | 3029 | Melville, NY | $2.6M | 13 | 65.0% |
| #6 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $7.5M | 12 | 100.0% |
| #6 | Steven Gagnon | 404844 | U.S. Bank National Association | 402761 | Greenwich, CT | $10.6M | 12 | 80.0% |
| #8 | Matthew Short | 3585 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $3.4M | 11 | 91.7% |
| #8 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $2.4M | 11 | 55.0% |
| #8 | Ann Furey | 70477 | Guaranteed Rate, Inc. | 2611 | Melville, NY | $1.8M | 11 | 64.7% |
| #8 | Michael Brosius | 1418697 | KeyBank National Association | 399797 | Buffalo, NY | $2.2M | 11 | 78.6% |
| #12 | Jesse Meyer | 1299647 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $3.6M | 10 | 47.6% |
| #12 | Shachna Fine | 28810 | The Everest Equity Company, Inc. | 12484 | Suffern, NY | $4.2M | 10 | 90.9% |
| #12 | Gary Owens | 532137 | Manufacturers and Traders Trust Company | 381076 | Cheektowaga, NY | $2.3M | 10 | 83.3% |
| #12 | Scott Valins | 182251 | Go Rascal Inc. | 2072896 | Brooklyn, NY | $3.2M | 10 | 71.4% |
| #12 | Jeremy Klenner | 2003204 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $3.0M | 10 | 62.5% |
| #12 | Zev Spitzer | 1320452 | CrossCountry Mortgage, LLC | 3029 | New City, NY | $2.8M | 10 | 76.9% |
| #18 | John Fanning | 657427 | Ulster Savings Bank | 619306 | Goshen, NY | $778K | 9 | 90.0% |
| #18 | Courtney Parish | 56395 | Homestead Funding Corp. | 3232 | Catskill, NY | $3.4M | 9 | 47.4% |
| #18 | Samuel DiPiano | 57865 | Haus Capital Corporation | 1549644 | Rochester, NY | $2.4M | 9 | 75.0% |
| #18 | Yochanan Mann | 131558 | Ark Mortgage, Inc. | 103915 | Monroe, NY | $1.1M | 9 | 52.9% |
| #22 | Michael Burke | 680412 | CrossCountry Mortgage, LLC | 3029 | Williamsville, NY | $2.0M | 8 | 53.3% |
| #22 | Annette Kopp | 468281 | Premium Mortgage Corporation | 3254 | Buffalo, NY | $2.4M | 8 | 36.4% |
| #22 | Mary Beth Uebrick | 235916 | CHEMUNG CANAL TRUST COMPANY | 800649 | Elmira, NY | $1.1M | 8 | 72.7% |
| #22 | Joseph Carrello | 588194 | U.S. Bank National Association | 402761 | Melville, NY | $674K | 8 | 80.0% |
| #22 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $2.5M | 8 | 47.1% |
| #22 | David Terezo | 98452 | Meadowbrook Financial Mortgage Bankers Corp. | 177308 | Hicksville, NY | $3.9M | 8 | 66.7% |
| #22 | Alice Anderson | 589643 | KeyBank National Association | 399797 | Albany, NY | $825K | 8 | 72.7% |
| #22 | Michelle Young | 54100 | Homestead Funding Corp. | 3232 | Albany, NY | $2.6M | 8 | 61.5% |
| #22 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.4M | 8 | 72.7% |
| #22 | Peter Costakos | 139540 | CrossCountry Mortgage, LLC | 3029 | Purchase, NY | $4.2M | 8 | 61.5% |
| #32 | Andrew Feinberg | 1852084 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $1.2M | 7 | 58.3% |
| #32 | Joseph Arbogast | 144078 | The Lyons National Bank | 409408 | Geneva, NY | $1.2M | 7 | 50.0% |
| #32 | Steven Koerner | 65448 | Green River Capital Corp. | 886337 | Plainview, NY | $5.0M | 7 | 58.3% |
| #32 | Eric Buhler | 193120 | CrossCountry Mortgage, LLC | 3029 | Hauppauge, NY | $1.2M | 7 | 53.8% |
| #32 | Jacqueline Ruotsi | 1112536 | Premium Mortgage Corporation | 3254 | Buffalo, NY | $1.6M | 7 | 53.8% |
| #32 | ROBERT YUSUPOV | 7979 | CrossCountry Mortgage, LLC | 3029 | Delray Beach, FL | $3.2M | 7 | 70.0% |
| #32 | Tarek Jabaji | 1407826 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $2.0M | 7 | 28.0% |
| #32 | MUSTAFA SAYAR | 119257 | Citizens Bank, National Association | 433960 | Melville, NY | $6.5M | 7 | 46.7% |
| #32 | Nicholas Baratto | 1392603 | Broadview Federal Credit Union | 458314 | Albany, NY | $622K | 7 | 53.8% |
| #32 | Eric Schachter | 673145 | Luminate Bank | 1281698 | Syosset, NY | $2.4M | 7 | 63.6% |
| #32 | Dawn Sullivan | 23132 | All Shores Mortgage, LLC | 88075 | Saint James, NY | $5.2M | 7 | 53.8% |
| #32 | Constantine Curtis | 5649 | CMG Mortgage, Inc. | 1820 | Rye Brook, NY | $3.2M | 7 | 63.6% |
| #32 | Kenneth Bicknese | 66758 | JPMorgan Chase Bank, National Association | 399798 | Yorktown Heights, NY | $2.3M | 7 | 70.0% |
| #32 | Ernesto Carbajal | 1408753 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $2.4M | 7 | 43.8% |
| #32 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $3.0M | 7 | 70.0% |
| #32 | Christopher Vassallo | 3581 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $2.3M | 7 | 53.8% |
| #32 | Toni Zidich | 1205879 | Community Bank, National Association | 446398 | Amsterdam, NY | $485K | 7 | 50.0% |
| #49 | Michael Suss | 1139835 | ESL Federal Credit Union | 423578 | Rochester, NY | $435K | 6 | 33.3% |
| #49 | William Damiani | 25694 | L.W. Integrity Funding, LLC | 12021 | Amherst, NY | $2.0M | 6 | 50.0% |
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 — New York. Powered by MMI public record mortgage production data, accessed August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units
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