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 October 11, 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 | Matthew Schermerhorn | 15631 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $4.7M | 13 | 52.0% |
| #4 | Gregory Eckert | 4935 | Ulster Savings Bank | 619306 | New Paltz, NY | $418K | 13 | 68.4% |
| #6 | Shelly DiGiulio | 58186 | OwnersChoice Funding, Incorporated | 56538 | — | $2.2M | 12 | 38.7% |
| #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 | Eric Cruz | 39075 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.0M | 12 | 44.4% |
| #6 | A Coco | 9368 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $2.6M | 12 | 54.5% |
| #6 | Michael Lyon | 1069010 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $4.6M | 12 | 63.2% |
| #12 | Stephen Lascher | 413936 | Wells Fargo Bank, National Association | 399801 | New York, NY | $7.8M | 11 | 84.6% |
| #12 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $651K | 11 | 64.7% |
| #12 | Orazio DeVito | 768338 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $2.3M | 11 | 73.3% |
| #12 | Vincent Demetrio | 22907 | New American Funding, LLC | 6606 | Holmdel, NJ | $3.7M | 11 | 78.6% |
| #12 | Adam Smith | 628234 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.4M | 11 | 42.3% |
| #12 | Matthew Marrone | 65330 | JPMorgan Chase Bank, National Association | 399798 | Orangeburg, NY | $3.7M | 11 | 73.3% |
| #12 | Norman DeCelles | 1175888 | Massena Savings and Loan | 776854 | — | $1.3M | 11 | 91.7% |
| #19 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Mineola, NY | $2.2M | 10 | 35.7% |
| #19 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $3.8M | 10 | 71.4% |
| #19 | Donald Spiro | 515614 | Prosperity Home Mortgage, LLC | 75164 | Fishkill, NY | $1.4M | 10 | 41.7% |
| #19 | Maria Seeley | 1102921 | CrossCountry Mortgage, LLC | 3029 | Surfside Beach, SC | $2.2M | 10 | 58.8% |
| #19 | David Goldberg | 18321 | Mid-Island Mortgage Corp. | 1259 | Westbury, NY | $1.6M | 10 | 71.4% |
| #19 | William Lane | 65175 | US Mortgage Corporation | 3901 | Latham, NY | $1.4M | 10 | 66.7% |
| #25 | Jim Johnson | 532138 | Cornerstone Community Federal Credit Union | 440403 | Lockport, NY | $2.9M | 9 | 75.0% |
| #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 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $197K | 9 | 50.0% |
| #25 | Robert Snyder | 58317 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.2M | 9 | 39.1% |
| #25 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $3.0M | 9 | 50.0% |
| #25 | Selina Gelatt | 690898 | Community Bank, National Association | 446398 | Cooperstown, NY | $589K | 9 | 69.2% |
| #33 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $2.9M | 8 | 30.8% |
| #33 | Todd George | 407619 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $954K | 8 | 72.7% |
| #33 | Aaron Sorotzkin | 61782 | Wells Fargo Bank, National Association | 399801 | New York, NY | $3.7M | 8 | 66.7% |
| #33 | Anna Molisse | 67363 | Citizens Bank, National Association | 433960 | White Plains, NY | $5.3M | 8 | 72.7% |
| #33 | Linda Ressa | 406272 | CrossCountry Mortgage, LLC | 3029 | Hauppauge, NY | $1.9M | 8 | 57.1% |
| #33 | George Cornell | 626899 | TD Bank NA | 399800 | Melville, NY | $8.6M | 8 | 47.1% |
| #33 | Mitchell Steinberg | 477998 | Wells Fargo Bank, National Association | 399801 | New York, NY | $5.4M | 8 | 80.0% |
| #33 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.4M | 8 | 42.1% |
| #33 | Nicole Cottone | 906260 | BEGINNINGS CREDIT UNION | 299582 | Cortland, NY | $839K | 8 | 80.0% |
| #33 | Robert Kelly | 66576 | New American Funding, LLC | 6606 | Albany, NY | $1.5M | 8 | 26.7% |
| #33 | Lawrence Chiusolo | 514078 | TD Bank NA | 399800 | Wilmington, DE | $5.8M | 8 | 47.1% |
| #33 | Koi Chan | 1029044 | EAST WEST BANK | 469761 | — | $850K | 8 | 32.0% |
| #33 | Gary Westman | 418767 | Manufacturers and Traders Trust Company | 381076 | — | $1.5M | 8 | 66.7% |
| #33 | Shawn Dwyer | 218169 | Mid-Island Mortgage Corp. | 1259 | West Brentwood, NY | $1.5M | 8 | 34.8% |
| #33 | Michael Pasley | 1910463 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.5M | 8 | 66.7% |
| #33 | Ryan Mosack | 1192917 | Community Bank, National Association | 446398 | Oneida, NY | $567K | 8 | 50.0% |
| #33 | Leslie Curry | 407614 | Citizens Bank, National Association | 433960 | Rochester, NY | $1.1M | 8 | 40.0% |
| #33 | Hung Bui-La | 1516638 | U.S. Bank National Association | 402761 | Earth City, MO | $1.1M | 8 | 80.0% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2022
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