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 October 11, 2026, the top 3 include Michelle Kirkpatrick (Century Bank, NMLS #1411363), Jeffery Cornelius (West Alabama Bank & Trust, NMLS #629645), and Jimmy Cook (Alabama One Credit Union, NMLS #583338).
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 | Jimmy Cook | 583338 | Alabama One Credit Union | 401726 | Tuscaloosa, AL | $2.7M | 8 | 47.1% |
| #4 | Robert Kirk | 788924 | First Southern State Bank | 761800 | Rainsville, AL | $727K | 7 | 63.6% |
| #4 | Jessica Swindle | 797212 | DHI MORTGAGE COMPANY, LTD. | 14622 | — | $1.9M | 7 | 38.9% |
| #6 | RICHARD GILLARD | 791157 | Southern Energy Credit Union | 761805 | Birmingham, AL | $377K | 6 | 54.5% |
| #6 | Joshua Butler | 286233 | SouthState Bank, N.A. | 403455 | Huntsville, AL | $2.4M | 6 | 46.2% |
| #8 | Tracy Causey | 645329 | Guaranteed Rate, Inc. | 2611 | Trussville, AL | $505K | 5 | 33.3% |
| #8 | Heather Strawder | 1273430 | Farmers Bank | 680219 | Parsons, TN | $1.5M | 5 | 41.7% |
| #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 | James Nolan | 207775 | CrossCountry Mortgage, LLC | 3029 | Montgomery, AL | $1.5M | 5 | 22.7% |
| #13 | jody brant | 189545 | First Lenders Mortgage Corporation | 189527 | Albertville, AL | $1.4M | 4 | 28.6% |
| #13 | REBEKAH PEGUSKY | 546510 | Regions Bank | 174490 | Pelham, AL | $883K | 4 | 21.1% |
| #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 | David Keenum | 491815 | Embrace Home Loans, Inc. | 2184 | Mobile, AL | $171K | 4 | 20.0% |
| #13 | Brian Hamaker | 295336 | NORTH ALABAMA MORTGAGE, INC. | 200711 | Huntsville, AL | $1.1M | 4 | 30.8% |
| #19 | Stephen Beckmann | 194529 | Redstone Federal Credit Union | 403363 | — | $735K | 3 | 14.3% |
| #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 | Joel Gardner | 1090818 | SouthState Bank, N.A. | 403455 | — | $416K | 3 | 30.0% |
| #19 | Tracy Goodwin | 427261 | Regions Bank | 174490 | Huntsville, AL | $853K | 3 | 23.1% |
| #19 | Justin Drake | 110999 | Prosperity Home Mortgage, LLC | 75164 | Birmingham, AL | $384K | 3 | 17.6% |
| #19 | Tomeka Green-Jones | 504216 | Pinnacle Bank | 418535 | Birmingham, AL | $766K | 3 | 30.0% |
| #26 | Treasa Hall | 1066371 | DHI MORTGAGE COMPANY, LTD. | 14622 | Hoover, AL | $511K | 2 | 15.4% |
| #26 | Shelby Jones | 197409 | Dream Home Mortgage LLC | 1674201 | Decatur, AL | $454K | 2 | 20.0% |
| #26 | Ashleigh Wilson | 842588 | Redstone Federal Credit Union | 403363 | Huntsville, AL | $389K | 2 | 13.3% |
| #26 | Robert Smith | 222947 | Edge Home Finance, LLC | 891464 | Foley, AL | $495K | 2 | 13.3% |
| #26 | Kylee Hogan | 1710918 | Guild Mortgage Company LLC | 3274 | Prattville, AL | $240K | 2 | 18.2% |
| #26 | Casey Parsons | 1615531 | Guild Mortgage Company LLC | 3274 | Mountain Brk, AL | $195K | 2 | 15.4% |
| #26 | NATHANIEL REINHARD | 1095932 | SouthState Bank, N.A. | 403455 | Birmingham, AL | $890K | 2 | 15.4% |
| #26 | David Comer | 709949 | Central State Bank | 476528 | Calera, AL | $1.2M | 2 | 7.7% |
| #26 | Adam Snable | 203825 | Guild Mortgage Company LLC | 3274 | Mountain Brk, AL | $733K | 2 | 9.1% |
| #26 | Jason Knott | 232649 | Sweet Home Mortgage LLC | 2581782 | Boaz, AL | $274K | 2 | 18.2% |
| #26 | Joseph Bunn | 1485242 | TRUSTMARK BANK | 449605 | Hoover, AL | $1.2M | 2 | 20.0% |
| #26 | Steven Pate | 416044 | FIRSTBANK | 472433 | Tuscaloosa, AL | $548K | 2 | 12.5% |
| #26 | Adam Hammond | 202682 | American Pacific Mortgage Corporation | 1850 | Guntersville, AL | $940K | 2 | 8.7% |
| #26 | Mark Thompson | 455739 | Metro Bank | 407722 | Southside, AL | $897K | 2 | 20.0% |
| #26 | Jason Reid | 201787 | DHI MORTGAGE COMPANY, LTD. | 14622 | Hoover, AL | $594K | 2 | 20.0% |
| #26 | Mark Kent | 220383 | Southern Fidelity Mortgage Group of Huntsville | 207432 | Huntsville, AL | $746K | 2 | 14.3% |
| #26 | Michael Cantrell | 266986 | Canopy Mortgage, LLC | 1359687 | Huntsville, AL | $376K | 2 | 11.1% |
| #26 | April Cruce | 546600 | Regions Bank | 174490 | — | $395K | 2 | 8.7% |
| #26 | Sharleen Kinch | 405074 | Redstone Federal Credit Union | 403363 | — | $637K | 2 | 13.3% |
| #45 | Megan Bissell | 843121 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $177K | 1 | 8.3% |
| #45 | Stacy Higgins | 457096 | Ameris Bank | 408099 | Dothan, AL | $190K | 1 | 9.1% |
| #45 | Shelley Faulkner | 470443 | Guild Mortgage Company LLC | 3274 | Prattville, AL | $103K | 1 | 10.0% |
| #45 | Justin Petrusson | 351335 | TowneBank | 512138 | Birmingham, AL | $539K | 1 | 7.1% |
| #45 | Brett Dickey | 1412376 | SERVISFIRST Bank | 556357 | Montgomery, AL | $878K | 1 | 10.0% |
| #45 | DAVID HENDERSON | 686207 | FIRST STATE BANK OF DEKALB COUNTY, INC. | 435147 | Fort Payne, AL | $138K | 1 | 9.1% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/alabama/top-retention-by-units/2023
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