Retention champions in New York in 2022, 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 Pauline Guenther (OwnersChoice Funding, Incorporated, NMLS #64498), Mary Duffy (KeyBank National Association, NMLS #410233), and Bryan Distefano (Guaranteed Rate, Inc., NMLS #406340).
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 | Pauline Guenther | 64498 | OwnersChoice Funding, Incorporated | 56538 | Williamsville, NY | $3.0M | 20 | 55.6% |
| #2 | Mary Duffy | 410233 | KeyBank National Association | 399797 | Buffalo, NY | $3.6M | 15 | 100.0% |
| #3 | Bryan Distefano | 406340 | Guaranteed Rate, Inc. | 2611 | Montville, NJ | $6.4M | 14 | 63.6% |
| #4 | Gregory Eckert | 4935 | Ulster Savings Bank | 619306 | New Paltz, NY | $418K | 13 | 68.4% |
| #4 | Matthew Schermerhorn | 15631 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $4.7M | 13 | 52.0% |
| #6 | Michael Lyon | 1069010 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $4.6M | 12 | 63.2% |
| #6 | Timothy Welch | 1451298 | KeyBank National Association | 399797 | Cheektowaga, NY | $2.6M | 12 | 66.7% |
| #6 | Timothy Rail | 12812 | Citybrook Corp | 11706 | Staten Island, NY | $4.6M | 12 | 75.0% |
| #6 | A Coco | 9368 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $2.6M | 12 | 54.5% |
| #6 | Shelly DiGiulio | 58186 | OwnersChoice Funding, Incorporated | 56538 | — | $2.2M | 12 | 38.7% |
| #11 | Matthew Marrone | 65330 | JPMorgan Chase Bank, National Association | 399798 | Orangeburg, NY | $3.7M | 11 | 73.3% |
| #11 | Vincent Demetrio | 22907 | New American Funding, LLC | 6606 | Holmdel, NJ | $3.7M | 11 | 78.6% |
| #11 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $651K | 11 | 64.7% |
| #11 | Norman DeCelles | 1175888 | Massena Savings and Loan | 776854 | — | $1.3M | 11 | 91.7% |
| #11 | Adam Smith | 628234 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.4M | 11 | 44.0% |
| #11 | Stephen Lascher | 413936 | Wells Fargo Bank, National Association | 399801 | New York, NY | $7.8M | 11 | 84.6% |
| #11 | Eric Cruz | 39075 | Broadview Federal Credit Union | 458314 | Albany, NY | $1.7M | 11 | 40.7% |
| #18 | William Lane | 65175 | US Mortgage Corporation | 3901 | Latham, NY | $1.4M | 10 | 66.7% |
| #18 | Donald Spiro | 515614 | Prosperity Home Mortgage, LLC | 75164 | Fishkill, NY | $1.4M | 10 | 41.7% |
| #18 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Melville, NY | $2.2M | 10 | 35.7% |
| #18 | David Goldberg | 18321 | Mid-Island Mortgage Corp. | 1259 | Westbury, NY | $1.6M | 10 | 71.4% |
| #18 | Orazio DeVito | 768338 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $2.0M | 10 | 71.4% |
| #18 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $3.8M | 10 | 71.4% |
| #18 | Maria Seeley | 1102921 | CrossCountry Mortgage, LLC | 3029 | Surfside Beach, SC | $2.2M | 10 | 58.8% |
| #25 | Jim Johnson | 532138 | Hunt Mortgage Corporation | 37405 | Buffalo, NY | $2.9M | 9 | 75.0% |
| #25 | Robert Snyder | 58317 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.2M | 9 | 37.5% |
| #25 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $3.0M | 9 | 50.0% |
| #25 | Elizabeth Moeller | 19253 | Manufacturers and Traders Trust Company | 381076 | Fishkill, NY | $3.2M | 9 | 64.3% |
| #25 | Joanne Nicolo | 109537 | TD Bank NA | 399800 | New York, NY | $3.9M | 9 | 75.0% |
| #25 | Bruce Salik | 79065 | Guaranteed Rate, Inc. | 2611 | Coral Springs, FL | $3.1M | 9 | 31.0% |
| #25 | Selina Gelatt | 690898 | Community Bank, National Association | 446398 | Cooperstown, NY | $589K | 9 | 69.2% |
| #25 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $197K | 9 | 50.0% |
| #33 | Mitchell Steinberg | 477998 | Wells Fargo Bank, National Association | 399801 | New York, NY | $5.4M | 8 | 80.0% |
| #33 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $2.9M | 8 | 30.8% |
| #33 | Aaron Sorotzkin | 61782 | Wells Fargo Bank, National Association | 399801 | New York, NY | $3.7M | 8 | 66.7% |
| #33 | Leslie Curry | 407614 | KeyBank National Association | 399797 | Rochester, NY | $1.1M | 8 | 40.0% |
| #33 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.4M | 8 | 42.1% |
| #33 | Koi Chan | 1029044 | EAST WEST BANK | 469761 | — | $850K | 8 | 32.0% |
| #33 | Shawn Dwyer | 218169 | Mid-Island Mortgage Corp. | 1259 | West Brentwood, NY | $1.5M | 8 | 34.8% |
| #33 | Christian Babcock | 181227 | loanDepot.com, LLC | 174457 | Tarrytown, NY | $3.2M | 8 | 42.1% |
| #33 | Michael Pasley | 1910463 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.5M | 8 | 66.7% |
| #33 | Rivah bochner | 1373133 | Onyx Equity Partners Corp | 1371935 | Monsey, NY | $4.0M | 8 | 72.7% |
| #33 | George Cornell | 626899 | TD Bank NA | 399800 | Melville, NY | $8.6M | 8 | 47.1% |
| #33 | Tomer Ahituv | 31191 | Madison Mortgage Services Inc. | 1862796 | Garden City, NY | $3.2M | 8 | 72.7% |
| #33 | Joseph Cutaia | 148992 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.2M | 8 | 66.7% |
| #33 | ROBERT KELLY | 66576 | New American Funding, LLC | 6606 | Albany, NY | $1.5M | 8 | 26.7% |
| #33 | Brian Cohen | 410025 | Guaranteed Rate Affinity, LLC | 1598647 | New York, NY | $388K | 8 | 15.4% |
| #33 | Anna Molisse | 67363 | Citizens Bank, National Association | 433960 | White Plains, NY | $5.3M | 8 | 72.7% |
| #33 | Todd George | 407619 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $954K | 8 | 72.7% |
| #33 | Ryan Mosack | 1192917 | Community Bank, National Association | 446398 | Oneida, NY | $567K | 8 | 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 (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2022
Powered by ChatMMI