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 October 11, 2026, the top 3 include Bruce Salik (Guaranteed Rate, Inc., NMLS #79065), Julia McGarvey (Sunmark Credit Union, NMLS #2004876), and David Terezo (Meadowbrook Financial Mortgage Bankers Corp., NMLS #98452).
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% |
| #1 | Julia McGarvey | 2004876 | Sunmark Credit Union | 509402 | Latham, NY | $620K | 13 | 56.5% |
| #3 | David Terezo | 98452 | Meadowbrook Financial Mortgage Bankers Corp. | 177308 | Hicksville, NY | $7.2M | 12 | 57.1% |
| #4 | Mary Beth Uebrick | 235916 | CHEMUNG CANAL TRUST COMPANY | 800649 | Elmira, NY | $2.1M | 11 | 68.8% |
| #4 | Jesse Meyer | 1299647 | Cross State Funding Corp. | 98185 | North Tonawanda, NY | $2.9M | 11 | 32.4% |
| #6 | Nancy McDowell | 580378 | Community Bank, National Association | 446398 | Plattsburgh, NY | $3.0M | 10 | 52.6% |
| #6 | Matthew Schermerhorn | 15631 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.4M | 10 | 62.5% |
| #6 | Denise Quinn | 454310 | Mid-Hudson Valley Federal Credit Union | 411955 | Kingston, NY | $1.3M | 10 | 52.6% |
| #9 | Julie Vella | 65903 | Five Star Bank | 408838 | Rochester, NY | $805K | 9 | 40.9% |
| #10 | Sheri Herbert | 500215 | Walden Savings Bank | 490957 | — | $855K | 8 | 72.7% |
| #10 | Alex Nenno | 1804677 | Community Bank, National Association | 446398 | Lake Placid, NY | $1.4M | 8 | 80.0% |
| #10 | Evan Hummel | 468224 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $4.3M | 8 | 66.7% |
| #10 | Adam Smith | 628234 | Home Town Funding, Inc. | 213408 | Pittsford, NY | $2.5M | 8 | 40.0% |
| #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 | David Zaleski | 491278 | Manufacturers and Traders Trust Company | 381076 | Buffalo, NY | $1.8M | 7 | 70.0% |
| #14 | HELEN RODGER | 1842033 | SERVU FEDERAL CREDIT UNION | 402490 | — | $489K | 7 | 46.7% |
| #14 | Heather Mingos | 801652 | CHEMUNG CANAL TRUST COMPANY | 800649 | Horseheads, NY | $636K | 7 | 63.6% |
| #20 | Courtney Parish | 56395 | Homestead Funding Corp. | 3232 | Catskill, NY | $1.7M | 6 | 26.1% |
| #20 | David Rudnick | 61825 | Atlas Home Funding Inc | 1680752 | New City, NY | $1.9M | 6 | 60.0% |
| #20 | Gregory Eckert | 4935 | Ulster Savings Bank | 619306 | New Paltz, NY | $281K | 6 | 50.0% |
| #20 | Shlomo Feierman | 1073640 | Nationwide Mortgage Bankers, Inc. | 819382 | Valley Stream, NY | $3.2M | 6 | 40.0% |
| #20 | Rick Daniels | 413555 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.5M | 6 | 60.0% |
| #20 | Eric Gasper | 175852 | CrossCountry Mortgage, LLC | 3029 | Mineola, NY | $2.7M | 6 | 31.6% |
| #20 | Brooke Gifford | 1159638 | Community Bank, National Association | 446398 | — | $447K | 6 | 35.3% |
| #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% |
| #27 | HEATHER RANCOUR | 1079599 | DANNEMORA FEDERAL CREDIT UNION | 433184 | Plattsburgh, NY | $721K | 5 | 41.7% |
| #27 | Thomas Schwan | 56342 | New American Funding, LLC | 6606 | Staten Island, NY | $755K | 5 | 50.0% |
| #27 | Natisha Shannon | 1904955 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $629K | 5 | 41.7% |
| #27 | Craig Mietz | 1371082 | The Lyons National Bank | 409408 | Auburn, NY | $304K | 5 | 19.2% |
| #27 | Samuel DiPiano | 57865 | Haus Capital Corporation | 1549644 | Rochester, NY | $1.8M | 5 | 31.3% |
| #27 | Emily Silipini | 34781 | 1st Priority Mortgage, Inc. | 29600 | Henrietta, NY | $851K | 5 | 50.0% |
| #27 | Philip Giguere | 64543 | KeyBank National Association | 399797 | Albany, NY | $1.3M | 5 | 35.7% |
| #27 | Valorie Heinzman | 1154002 | Premium Mortgage Corporation | 3254 | Fort Myers, FL | $807K | 5 | 33.3% |
| #27 | Christopher Vassallo | 3581 | Nickel City Funding, Inc. | 1586 | West Seneca, NY | $1.2M | 5 | 27.8% |
| #27 | Ross Bowman | 407608 | 1st Priority Mortgage, Inc. | 29600 | Williamsville, NY | $1.2M | 5 | 50.0% |
| #27 | Yochanan Mann | 131558 | Ark Mortgage, Inc. | 103915 | Monroe, NY | $1.8M | 5 | 50.0% |
| #40 | Brian Marchand | 481563 | New American Funding, LLC | 6606 | Albany, NY | $1.0M | 4 | 40.0% |
| #40 | CHRISTINA SWEET | 645904 | FINGER LAKES FEDERAL CREDIT UNION | 493624 | Geneva, NY | $264K | 4 | 36.4% |
| #40 | Andrew Schwert | 1639910 | Premium Mortgage Corporation | 3254 | Rochester, NY | $866K | 4 | 30.8% |
| #40 | Joanna Brennan | 741953 | Teachers Federal Credit Union | 401530 | Hauppauge, NY | $165K | 4 | 33.3% |
| #40 | Mark Fisher | 478240 | UNMB Home Loans Inc. | 7230 | Levittown, NY | $2.6M | 4 | 23.5% |
| #40 | Mark Huefner | 410057 | KeyBank National Association | 399797 | Buffalo, NY | $718K | 4 | 36.4% |
| #40 | James Gifford | 1888867 | AMERICU CREDIT UNION | 412492 | — | $730K | 4 | 28.6% |
| #40 | George-Lowen Kowai-Bell | 379251 | CrossCountry Mortgage, LLC | 3029 | Rochester, NY | $1.2M | 4 | 33.3% |
| #40 | Joseph Petralia | 471630 | Genesee Regional Bank | 417491 | Rochester, NY | $862K | 4 | 33.3% |
| #40 | Zev Spitzer | 1320452 | CrossCountry Mortgage, LLC | 3029 | New City, NY | $1.0M | 4 | 40.0% |
| #40 | A Coco | 9368 | PrimeLending, A PlainsCapital Company | 13649 | Rochester, NY | $1.0M | 4 | 30.8% |
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 (2024). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-york/top-retention-by-units/2024
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