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 August 27, 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 | A Coco | 9368 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $2.7M | 13 | 56.5% |
| #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% |
| #7 | Shelly DiGiulio | 58186 | OwnersChoice Funding, Incorporated | 56538 | — | $2.2M | 12 | 38.7% |
| #7 | Timothy Rail | 12812 | Citybrook Corp | 11706 | Staten Island, NY | $4.6M | 12 | 75.0% |
| #7 | Timothy Welch | 1451298 | KeyBank National Association | 399797 | Cheektowaga, NY | $2.6M | 12 | 66.7% |
| #7 | Eric Cruz | 39075 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.0M | 12 | 44.4% |
| #7 | Michael Lyon | 1069010 | Wells Fargo Bank, National Association | 399801 | Melville, NY | $4.6M | 12 | 63.2% |
| #12 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $651K | 11 | 64.7% |
| #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% |
| #12 | Adam Smith | 628234 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.4M | 11 | 42.3% |
| #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 | Stephen Lascher | 413936 | Wells Fargo Bank, National Association | 399801 | New York, NY | $7.8M | 11 | 84.6% |
| #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% |
| #19 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Mineola, NY | $2.2M | 10 | 35.7% |
| #19 | Maria Seeley | 1102921 | CrossCountry Mortgage, LLC | 3029 | Surfside Beach, SC | $2.2M | 10 | 58.8% |
| #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% |
| #25 | Jim Johnson | 532138 | Hunt Mortgage Corporation | 37405 | — | $2.9M | 9 | 75.0% |
| #25 | Robert Snyder | 58317 | Broadview Federal Credit Union | 458314 | Albany, NY | $2.2M | 9 | 37.5% |
| #25 | Elizabeth Moeller | 19253 | Manufacturers and Traders Trust Company | 381076 | Fishkill, NY | $3.2M | 9 | 64.3% |
| #25 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $197K | 9 | 50.0% |
| #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 | Selina Gelatt | 690898 | Community Bank, National Association | 446398 | Cooperstown, NY | $589K | 9 | 69.2% |
| #25 | Bruce Salik | 79065 | Guaranteed Rate, Inc. | 2611 | Coral Springs, FL | $3.1M | 9 | 31.0% |
| #33 | Rivah bochner | 1373133 | Onyx Equity Partners Corp | 1371935 | Monsey, NY | $4.0M | 8 | 72.7% |
| #33 | Mitchell Steinberg | 477998 | Wells Fargo Bank, National Association | 399801 | New York, NY | $5.4M | 8 | 80.0% |
| #33 | Linda Ressa | 406272 | CrossCountry Mortgage, LLC | 3029 | Hauppauge, NY | $1.9M | 8 | 57.1% |
| #33 | Tomer Ahituv | 31191 | Madison Mortgage Services Inc. | 1862796 | Garden City, NY | $3.2M | 8 | 72.7% |
| #33 | Koi Chan | 1029044 | EAST WEST BANK | 469761 | — | $850K | 8 | 32.0% |
| #33 | Joseph Cutaia | 148992 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.2M | 8 | 66.7% |
| #33 | Christian Babcock | 181227 | loanDepot.com, LLC | 174457 | Tarrytown, NY | $3.2M | 8 | 44.4% |
| #33 | Leslie Curry | 407614 | Citizens Bank, National Association | 433960 | Rochester, NY | $1.1M | 8 | 40.0% |
| #33 | Lawrence Chiusolo | 514078 | TD Bank NA | 399800 | Wilmington, DE | $5.8M | 8 | 50.0% |
| #33 | James Allison | 513068 | The Lyons National Bank | 409408 | Fairport, NY | $3.4M | 8 | 42.1% |
| #33 | Brian Cohen | 410025 | Guaranteed Rate Affinity, LLC | 1598647 | New York, NY | $388K | 8 | 15.4% |
| #33 | Joseph Arbogast | 144078 | The Lyons National Bank | 409408 | Geneva, NY | $3.1M | 8 | 25.0% |
| #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 | Todd George | 407619 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $954K | 8 | 72.7% |
| #33 | George Cornell | 626899 | TD Bank NA | 399800 | Melville, NY | $8.6M | 8 | 47.1% |
| #33 | Michael Pasley | 1910463 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.5M | 8 | 66.7% |
| #33 | Shawn Dwyer | 218169 | Mid-Island Mortgage Corp. | 1259 | West Brentwood, NY | $1.5M | 8 | 34.8% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2022
Powered by ChatMMI