Retention champions in Alabama in 2023, 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 Michelle Kirkpatrick (Century Bank, NMLS #1411363), Jeffery Cornelius (West Alabama Bank & Trust, NMLS #629645), and Robert Kirk (First Southern State Bank, NMLS #788924).
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 | Michelle Kirkpatrick | 1411363 | Century Bank | 403025 | Mobile, AL | $4.4M | 18 | 85.7% |
| #2 | Jeffery Cornelius | 629645 | West Alabama Bank & Trust | 486007 | Tuscaloosa, AL | $1.0M | 8 | 61.5% |
| #2 | Robert Kirk | 788924 | First Southern State Bank | 761800 | Rainsville, AL | $792K | 8 | 66.7% |
| #2 | Jimmy Cook | 583338 | Alabama One Credit Union | 401726 | Tuscaloosa, AL | $2.7M | 8 | 47.1% |
| #5 | Jessica Swindle | 797212 | DHI MORTGAGE COMPANY, LTD. | 14622 | — | $1.9M | 7 | 38.9% |
| #6 | Joshua Butler | 286233 | SouthState Bank, N.A. | 403455 | Huntsville, AL | $2.4M | 6 | 46.2% |
| #6 | RICHARD GILLARD | 791157 | Southern Energy Credit Union | 761805 | Birmingham, AL | $377K | 6 | 54.5% |
| #8 | Tracy Causey | 645329 | Guaranteed Rate, Inc. | 2611 | Trussville, AL | $505K | 5 | 33.3% |
| #8 | Julie Moore | 197045 | Regions Bank | 174490 | Hoover, AL | $2.2M | 5 | 41.7% |
| #8 | Donna Lowery | 207443 | The Mortgage Firm, Inc. | 189233 | Trussville, AL | $1.3M | 5 | 45.5% |
| #8 | Heather Strawder | 1273430 | Farmers Bank | 680219 | Parsons, TN | $1.5M | 5 | 41.7% |
| #8 | James Nolan | 207775 | CrossCountry Mortgage, LLC | 3029 | Montgomery, AL | $1.5M | 5 | 22.7% |
| #13 | REBEKAH PEGUSKY | 546510 | Regions Bank | 174490 | Pelham, AL | $883K | 4 | 21.1% |
| #13 | David Keenum | 491815 | Embrace Home Loans, Inc. | 2184 | Mobile, AL | $171K | 4 | 20.0% |
| #13 | Dudley Robinson | 206761 | Bay Mortgage Corporation | 206821 | Fairhope, AL | $1.2M | 4 | 25.0% |
| #13 | JAMES PARSONS | 415554 | Guild Mortgage Company LLC | 3274 | Montgomery, AL | $522K | 4 | 23.5% |
| #13 | jody brant | 189545 | First Lenders Mortgage Corporation | 189527 | Albertville, AL | $1.4M | 4 | 28.6% |
| #13 | Brian Hamaker | 295336 | NORTH ALABAMA MORTGAGE, INC. | 200711 | Huntsville, AL | $1.1M | 4 | 30.8% |
| #19 | Joel Gardner | 1090818 | SouthState Bank, N.A. | 403455 | Birmingham, AL | $416K | 3 | 30.0% |
| #19 | Tomeka Green-Jones | 504216 | Pinnacle Bank | 418535 | Birmingham, AL | $766K | 3 | 30.0% |
| #19 | Justin Drake | 110999 | Prosperity Home Mortgage, LLC | 75164 | Birmingham, AL | $384K | 3 | 17.6% |
| #19 | Tracy Goodwin | 427261 | Regions Bank | 174490 | Huntsville, AL | $853K | 3 | 23.1% |
| #19 | Kimberly Chenoweth | 184912 | Lennar Mortgage, LLC | 1058 | Huntsville, AL | $898K | 3 | 30.0% |
| #19 | Bryan Morrow | 486780 | Central State Bank | 476528 | Calera, AL | $1.2M | 3 | 17.6% |
| #19 | Stephen Beckmann | 194529 | Redstone Federal Credit Union | 403363 | — | $735K | 3 | 14.3% |
| #26 | David Comer | 709949 | Central State Bank | 476528 | Calera, AL | $1.2M | 2 | 7.7% |
| #26 | Joseph Bunn | 1485242 | TRUSTMARK BANK | 449605 | Hoover, AL | $1.2M | 2 | 20.0% |
| #26 | April Cruce | 546600 | Regions Bank | 174490 | — | $395K | 2 | 8.7% |
| #26 | Kylee Hogan | 1710918 | Guild Mortgage Company LLC | 3274 | Prattville, AL | $240K | 2 | 18.2% |
| #26 | Ashleigh Wilson | 842588 | Redstone Federal Credit Union | 403363 | Huntsville, AL | $389K | 2 | 14.3% |
| #26 | Jason Reid | 201787 | DHI MORTGAGE COMPANY, LTD. | 14622 | Hoover, AL | $594K | 2 | 20.0% |
| #26 | NATHANIEL REINHARD | 1095932 | The Huntington National Bank | 402436 | Birmingham, AL | $890K | 2 | 15.4% |
| #26 | Steven Pate | 416044 | FIRSTBANK | 472433 | Tuscaloosa, AL | $548K | 2 | 12.5% |
| #26 | Shelby Jones | 197409 | Dream Home Mortgage LLC | 1674201 | Decatur, AL | $454K | 2 | 20.0% |
| #26 | Sharleen Kinch | 405074 | Redstone Federal Credit Union | 403363 | — | $637K | 2 | 13.3% |
| #26 | Michael Cantrell | 266986 | Canopy Mortgage, LLC | 1359687 | Huntsville, AL | $376K | 2 | 10.5% |
| #26 | Treasa Hall | 1066371 | DHI MORTGAGE COMPANY, LTD. | 14622 | Hoover, AL | $511K | 2 | 15.4% |
| #26 | Jason Knott | 232649 | Sweet Home Mortgage LLC | 2581782 | Boaz, AL | $274K | 2 | 18.2% |
| #26 | Adam Snable | 203825 | Guild Mortgage Company LLC | 3274 | Mountain Brk, AL | $733K | 2 | 9.1% |
| #26 | Casey Parsons | 1615531 | Guild Mortgage Company LLC | 3274 | Mountain Brk, AL | $195K | 2 | 15.4% |
| #26 | Robert Smith | 222947 | Edge Home Finance, LLC | 891464 | Foley, AL | $495K | 2 | 13.3% |
| #26 | Adam Hammond | 202682 | American Pacific Mortgage Corporation | 1850 | Guntersville, AL | $940K | 2 | 8.7% |
| #26 | Mark Kent | 220383 | Southern Fidelity Mortgage Group of Huntsville | 207432 | Huntsville, AL | $746K | 2 | 14.3% |
| #44 | DAVID HENDERSON | 686207 | FIRST STATE BANK OF DEKALB COUNTY, INC. | 435147 | Fort Payne, AL | $138K | 1 | 9.1% |
| #44 | Julie Davis | 440135 | TRUSTMARK BANK | 449605 | Madison, AL | $7K | 1 | 10.0% |
| #44 | ELIZABETH BONHAUS | 595312 | BankFirst Financial Services | 454063 | Tuscaloosa, AL | $314K | 1 | 7.1% |
| #44 | Jennifer Patronsky | 1084069 | Mortgage Solutions of Colorado, LLC | 61602 | Mobile, AL | $243K | 1 | 8.3% |
| #44 | Faith Wilkinson | 191022 | Guild Mortgage Company LLC | 3274 | Mountain Brk, AL | $199K | 1 | 5.6% |
| #44 | Carrie Bregar | 473013 | First Federal Bank, A Federal Savings Bank | 410785 | Tuscaloosa, AL | $238K | 1 | 4.2% |
| #44 | Evan Griffin | 704902 | Peoples Bank of Alabama | 301237 | Hartselle, AL | $521K | 1 | 10.0% |
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 — Alabama (2023). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/alabama/top-retention-by-units/2023
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