Retention champions in New York in 2024, 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 Bruce Salik (Guaranteed Rate, Inc., NMLS #79065), David Terezo (Meadowbrook Financial Mortgage Bankers Corp., NMLS #98452), 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 | Bruce Salik | 79065 | Guaranteed Rate, Inc. | 2611 | Coral Springs, FL | $3.3M | 13 | 52.0% |
| #2 | David Terezo | 98452 | Meadowbrook Financial Mortgage Bankers Corp. | 177308 | Hicksville, NY | $7.2M | 12 | 57.1% |
| #2 | Julia McGarvey | 2004876 | Sunmark Credit Union | 509402 | Latham, NY | $560K | 12 | 54.5% |
| #4 | Jesse Meyer | 1299647 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $2.9M | 11 | 32.4% |
| #4 | Mary Beth Uebrick | 235916 | CHEMUNG CANAL TRUST COMPANY | 800649 | Elmira, NY | $2.1M | 11 | 68.8% |
| #6 | Denise Quinn | 454310 | Mid-Hudson Valley Federal Credit Union | 411955 | Kingston, NY | $1.3M | 10 | 52.6% |
| #6 | Matthew Schermerhorn | 15631 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.4M | 10 | 62.5% |
| #6 | Nancy McDowell | 580378 | Community Bank, National Association | 446398 | Plattsburgh, NY | $3.0M | 10 | 52.6% |
| #9 | Julie Vella | 65903 | Five Star Bank | 408838 | Rochester, NY | $805K | 9 | 40.9% |
| #10 | Alex Nenno | 1804677 | Community Bank, National Association | 446398 | Lake Placid, NY | $1.4M | 8 | 80.0% |
| #10 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $855K | 8 | 72.7% |
| #10 | Adam Smith | 628234 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.5M | 8 | 38.1% |
| #10 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $4.3M | 8 | 66.7% |
| #14 | HELEN RODGER | 1842033 | SERVU FEDERAL CREDIT UNION | 402490 | — | $489K | 7 | 46.7% |
| #14 | David Zaleski | 491278 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $1.8M | 7 | 70.0% |
| #14 | Jacques Laubert | 20677 | Homestead Funding Corp. | 3232 | Sarasota, FL | $1.2M | 7 | 25.0% |
| #14 | Joseph Proia | 151087 | CMG Mortgage, Inc. | 1820 | Spencerport, NY | $1.8M | 7 | 53.8% |
| #14 | Toni Zidich | 1205879 | Community Bank, National Association | 446398 | Amsterdam, NY | $500K | 7 | 46.7% |
| #14 | Heather Mingos | 801652 | CHEMUNG CANAL TRUST COMPANY | 800649 | Horseheads, NY | $636K | 7 | 63.6% |
| #20 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Mineola, NY | $2.7M | 6 | 31.6% |
| #20 | Rick Daniels | 413555 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.5M | 6 | 60.0% |
| #20 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $1.9M | 6 | 60.0% |
| #20 | Shlomo Feierman | 1073640 | Nationwide Mortgage Bankers, Inc. | 819382 | Valley Stream, NY | $3.2M | 6 | 40.0% |
| #20 | Brooke Gifford | 1159638 | Community Bank, National Association | 446398 | — | $447K | 6 | 35.3% |
| #20 | Gregory Eckert | 4935 | Ulster Savings Bank | 619306 | New Paltz, NY | $281K | 6 | 50.0% |
| #20 | Courtney Parish | 56395 | Homestead Funding Corp. | 3232 | Catskill, NY | $1.7M | 6 | 26.1% |
| #27 | Philip Giguere | 64543 | KeyBank National Association | 399797 | Albany, NY | $1.3M | 5 | 35.7% |
| #27 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $304K | 5 | 19.2% |
| #27 | HEATHER RANCOUR | 1079599 | DANNEMORA FEDERAL CREDIT UNION | 433184 | Plattsburgh, NY | $721K | 5 | 41.7% |
| #27 | Emily Silipini | 34781 | 1st Priority Mortgage, Inc. | 29600 | Henrietta, NY | $851K | 5 | 50.0% |
| #27 | Valorie Heinzman | 1154002 | Premium Mortgage Corporation | 3254 | Fort Myers, FL | $807K | 5 | 33.3% |
| #27 | Samuel DiPiano | 57865 | Haus Capital Corporation | 1549644 | Rochester, NY | $1.8M | 5 | 31.3% |
| #27 | Natisha Shannon | 1904955 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $629K | 5 | 41.7% |
| #27 | Yochanan Mann | 131558 | Ark Mortgage, Inc. | 103915 | Monroe, NY | $1.8M | 5 | 50.0% |
| #27 | Thomas Schwan | 56342 | New American Funding, LLC | 6606 | Staten Island, NY | $755K | 5 | 50.0% |
| #27 | Ross Bowman | 407608 | 1st Priority Mortgage, Inc. | 29600 | Williamsville, NY | $1.2M | 5 | 50.0% |
| #27 | Melanie Swetz | 37756 | Manufacturers and Traders Trust Company | 381076 | Cheektowaga, NY | $1.1M | 5 | 50.0% |
| #27 | FRANK SKARREN | 3371 | NRF Funding Corp. | 1421 | Rockville Centre, NY | $3.2M | 5 | 50.0% |
| #39 | Carlos Herrera | 1950425 | MUNICIPAL CREDIT UNION | 184286 | New York, NY | $310K | 4 | 25.0% |
| #39 | James Vollenhals | 1123066 | loanDepot.com, LLC | 174457 | Irvine, CA | $783K | 4 | 36.4% |
| #39 | Zev Spitzer | 1320452 | CrossCountry Mortgage, LLC | 3029 | New City, NY | $1.0M | 4 | 40.0% |
| #39 | Shawn Dwyer | 218169 | Mid-Island Mortgage Corp. | 1259 | West Brentwood, NY | $1.0M | 4 | 30.8% |
| #39 | Mark Huefner | 410057 | KeyBank National Association | 399797 | Buffalo, NY | $718K | 4 | 36.4% |
| #39 | James Gifford | 1888867 | AMERICU CREDIT UNION | 412492 | — | $730K | 4 | 28.6% |
| #39 | Christian Babcock | 181227 | loanDepot.com, LLC | 174457 | Tarrytown, NY | $1.3M | 4 | 40.0% |
| #39 | Joanna Brennan | 741953 | Teachers Federal Credit Union | 401530 | Hauppauge, NY | $165K | 4 | 33.3% |
| #39 | Raymond Farinella | 1982434 | ClearPath Mortgage Solutions, Inc. | 1394615 | Latham, NY | $1.7M | 4 | 40.0% |
| #39 | Christopher Vassallo | 3581 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $956K | 4 | 23.5% |
| #39 | A Coco | 9368 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.0M | 4 | 30.8% |
| #39 | Joseph Petralia | 471630 | Genesee Regional Bank | 417491 | Rochester, NY | $862K | 4 | 33.3% |
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 (2024). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2024
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