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 July 13, 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 | 50.0% |
| #4 | Gregory Eckert | 4935 | Ulster Savings Bank | 619306 | New Paltz, NY | $418K | 13 | 68.4% |
| #6 | Timothy Rail | 12812 | Citybrook Corp | 11706 | Staten Island, NY | $4.6M | 12 | 75.0% |
| #6 | Michael Lyon | 1069010 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $4.6M | 12 | 63.2% |
| #6 | Eric Cruz | 39075 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.0M | 12 | 44.4% |
| #6 | Timothy Welch | 1451298 | KeyBank National Association | 399797 | Cheektowaga, NY | $2.6M | 12 | 66.7% |
| #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% |
| #12 | Norman DeCelles | 1175888 | Massena Savings and Loan | 776854 | — | $1.3M | 11 | 91.7% |
| #12 | Stephen Lascher | 413936 | Wells Fargo Bank, National Association | 399801 | New York, NY | $7.8M | 11 | 84.6% |
| #12 | Vincent Demetrio | 22907 | New American Funding, LLC | 6606 | Holmdel, NJ | $3.7M | 11 | 78.6% |
| #12 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $651K | 11 | 64.7% |
| #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 | Orazio DeVito | 768338 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $2.3M | 11 | 73.3% |
| #19 | William Lane | 65175 | US Mortgage Corporation | 3901 | Latham, NY | $1.4M | 10 | 66.7% |
| #19 | Maria Seeley | 1102921 | CrossCountry Mortgage, LLC | 3029 | Surfside Beach, SC | $2.2M | 10 | 58.8% |
| #19 | Donald Spiro | 515614 | Prosperity Home Mortgage, LLC | 75164 | Fishkill, NY | $1.4M | 10 | 41.7% |
| #19 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Mineola, NY | $2.2M | 10 | 35.7% |
| #19 | David Goldberg | 18321 | Mid-Island Mortgage Corp. | 1259 | Westbury, NY | $1.6M | 10 | 71.4% |
| #19 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $3.8M | 10 | 71.4% |
| #25 | Elizabeth Moeller | 19253 | Manufacturers and Traders Trust Company | 381076 | Fishkill, NY | $3.2M | 9 | 64.3% |
| #25 | Robert Snyder | 58317 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.2M | 9 | 37.5% |
| #25 | Jim Johnson | 532138 | Hunt Mortgage Corporation | 37405 | — | $2.9M | 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 | Joanne Nicolo | 109537 | TD Bank NA | 399800 | New York, NY | $3.9M | 9 | 75.0% |
| #25 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $3.0M | 9 | 50.0% |
| #25 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $197K | 9 | 50.0% |
| #33 | George Cornell | 626899 | TD Bank NA | 399800 | Melville, NY | $8.6M | 8 | 47.1% |
| #33 | Nicole Cottone | 906260 | BEGINNINGS CREDIT UNION | 299582 | Cortland, NY | $839K | 8 | 80.0% |
| #33 | Aaron Sorotzkin | 61782 | Wells Fargo Bank, National Association | 399801 | New York, NY | $3.7M | 8 | 66.7% |
| #33 | Ryan Mosack | 1192917 | Community Bank, National Association | 446398 | Oneida, NY | $567K | 8 | 50.0% |
| #33 | Mitchell Steinberg | 477998 | Wells Fargo Bank, National Association | 399801 | New York, NY | $5.4M | 8 | 80.0% |
| #33 | Linda Ressa | 406272 | Wells Fargo Bank, National Association | 399801 | New York, NY | $1.9M | 8 | 57.1% |
| #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 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $2.9M | 8 | 30.8% |
| #33 | Rivah bochner | 1373133 | Onyx Equity Partners Corp | 1371935 | Monsey, NY | $4.0M | 8 | 72.7% |
| #33 | Christian Babcock | 181227 | loanDepot.com, LLC | 174457 | Tarrytown, NY | $3.2M | 8 | 44.4% |
| #33 | Hung Bui-La | 1516638 | U.S. Bank National Association | 402761 | Earth City, MO | $1.1M | 8 | 80.0% |
| #33 | Anna Molisse | 67363 | Citizens Bank, National Association | 433960 | White Plains, NY | $5.3M | 8 | 72.7% |
| #33 | ROBERT KELLY | 66576 | New American Funding, LLC | 6606 | Albany, NY | $1.5M | 8 | 26.7% |
| #33 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.4M | 8 | 42.1% |
| #33 | Gary Westman | 418767 | Manufacturers and Traders Trust Company | 381076 | — | $1.5M | 8 | 66.7% |
| #33 | Leslie Curry | 407614 | KeyBank National Association | 399797 | Rochester, NY | $1.1M | 8 | 40.0% |
| #33 | Todd George | 407619 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $954K | 8 | 72.7% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2022
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