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 October 9, 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 | $6.7M | 30 | 85.7% |
| #2 | Bruce Salik | 79065 | Guaranteed Rate, Inc. | 2611 | Coral Springs, FL | $4.4M | 21 | 55.3% |
| #3 | Julia McGarvey | 2004876 | Sunmark Credit Union | 509402 | Latham, NY | $1.1M | 15 | 51.7% |
| #3 | Matthew Short | 3585 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $4.5M | 15 | 88.2% |
| #3 | Melanie Swetz | 37756 | Manufacturers and Traders Trust Company | 381076 | Cheektowaga, NY | $4.6M | 15 | 93.8% |
| #6 | Ann Furey | 70477 | Guaranteed Rate, Inc. | 2611 | Melville, NY | $2.3M | 14 | 70.0% |
| #6 | LUIS KHOURY | 66890 | CrossCountry Mortgage, LLC | 3029 | Melville, NY | $3.0M | 14 | 63.6% |
| #8 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $7.8M | 13 | 92.9% |
| #8 | Zev Spitzer | 1320452 | CrossCountry Mortgage, LLC | 3029 | New City, NY | $3.6M | 13 | 68.4% |
| #8 | Michael Brosius | 1418697 | KeyBank National Association | 399797 | Buffalo, NY | $2.6M | 13 | 76.5% |
| #8 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $2.7M | 13 | 52.0% |
| #12 | Courtney Parish | 56395 | Homestead Funding Corp. | 3232 | Catskill, NY | $4.2M | 12 | 48.0% |
| #12 | Steven Gagnon | 404844 | U.S. Bank National Association | 402761 | Greenwich, CT | $10.6M | 12 | 75.0% |
| #14 | Jesse Meyer | 1299647 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $3.8M | 11 | 45.8% |
| #14 | Jeremy Klenner | 2003204 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $3.2M | 11 | 64.7% |
| #16 | John Vlogianitis | 420544 | Citizens Bank, National Association | 433960 | Melville, NY | $5.8M | 10 | 52.6% |
| #16 | Michael Burke | 680412 | CrossCountry Mortgage, LLC | 3029 | Williamsville, NY | $2.5M | 10 | 47.6% |
| #16 | Shachna Fine | 28810 | The Everest Equity Company, Inc. | 12484 | Suffern, NY | $4.2M | 10 | 90.9% |
| #16 | Gary Owens | 532137 | Manufacturers and Traders Trust Company | 381076 | Cheektowaga, NY | $2.3M | 10 | 83.3% |
| #16 | Yochanan Mann | 131558 | Ark Mortgage, Inc. | 103915 | Monroe, NY | $1.4M | 10 | 55.6% |
| #16 | Samuel DiPiano | 57865 | Haus Capital Corporation | 1549644 | Rochester, NY | $2.6M | 10 | 58.8% |
| #16 | Scott Valins | 182251 | Go Rascal Inc. | 2072896 | Brooklyn, NY | $3.2M | 10 | 52.6% |
| #16 | Alice Anderson | 589643 | KeyBank National Association | 399797 | Albany, NY | $1.0M | 10 | 71.4% |
| #24 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.5M | 9 | 64.3% |
| #24 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $1.5M | 9 | 32.1% |
| #24 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $2.7M | 9 | 50.0% |
| #24 | David Zilkha | 599027 | TD Bank NA | 399800 | Melville, NY | $3.5M | 9 | 75.0% |
| #24 | Christopher Vassallo | 3581 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $2.6M | 9 | 45.0% |
| #24 | Toni Zidich | 1205879 | Community Bank, National Association | 446398 | Amsterdam, NY | $850K | 9 | 50.0% |
| #30 | David Terezo | 98452 | Meadowbrook Financial Mortgage Bankers Corp. | 177308 | Hicksville, NY | $3.9M | 8 | 53.3% |
| #30 | Andrew Feinberg | 1852084 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $1.5M | 8 | 61.5% |
| #30 | Constantine Curtis | 5649 | CMG Mortgage, Inc. | 1820 | Rye Brook, NY | $4.2M | 8 | 61.5% |
| #30 | Mary Beth Uebrick | 235916 | CHEMUNG CANAL TRUST COMPANY | 800649 | Elmira, NY | $1.1M | 8 | 72.7% |
| #30 | Joseph Arbogast | 144078 | The Lyons National Bank | 409408 | Geneva, NY | $1.3M | 8 | 47.1% |
| #30 | ROBERT YUSUPOV | 7979 | CrossCountry Mortgage, LLC | 3029 | Delray Beach, FL | $3.9M | 8 | 66.7% |
| #30 | Joseph Carrello | 588194 | U.S. Bank National Association | 402761 | Melville, NY | $674K | 8 | 72.7% |
| #30 | George Roberts | 49004 | JPMorgan Chase Bank, National Association | 399798 | East Meadow, NY | $3.2M | 8 | 57.1% |
| #30 | Michelle Young | 54100 | Homestead Funding Corp. | 3232 | Albany, NY | $2.6M | 8 | 53.3% |
| #30 | Annette Kopp | 468281 | Premium Mortgage Corporation | 3254 | Buffalo, NY | $2.4M | 8 | 33.3% |
| #40 | Baret Kechian | 9411 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $3.0M | 7 | 58.3% |
| #40 | Kenneth Bicknese | 66758 | JPMorgan Chase Bank, National Association | 399798 | Yorktown Heights, NY | $2.3M | 7 | 70.0% |
| #40 | Eric Buhler | 193120 | CrossCountry Mortgage, LLC | 3029 | Hauppauge, NY | $1.2M | 7 | 50.0% |
| #40 | Lorna Curtin | 194879 | Teachers Federal Credit Union | 401530 | Hauppauge, NY | $1.6M | 7 | 46.7% |
| #40 | Amanda Bernardini | 1161395 | CrossCountry Mortgage, LLC | 3029 | Williamsville, NY | $2.3M | 7 | 46.7% |
| #40 | Patrick O'Connor | 763689 | KeyBank National Association | 399797 | Clifton Park, NY | $1.7M | 7 | 58.3% |
| #40 | MARC MARRAZZO | 180327 | Reliant Home Funding, Inc | 292473 | Melville, NY | $3.7M | 7 | 46.7% |
| #40 | Ernesto Carbajal | 1408753 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $2.4M | 7 | 41.2% |
| #40 | Peter Costakos | 139540 | CrossCountry Mortgage, LLC | 3029 | Purchase, NY | $4.2M | 7 | 58.3% |
| #40 | MUSTAFA SAYAR | 119257 | Citizens Bank, National Association | 433960 | Melville, NY | $6.5M | 7 | 41.2% |
| #40 | Nicholas Baratto | 1392603 | Broadview Federal Credit Union | 458314 | Albany, NY | $622K | 7 | 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 October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units
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