Retention champions in Georgia in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 2026, the top 3 include Ajith Anugu (Laxmi Narayan Enterprises, INC., NMLS #1607797), Laura Witte (BoxCar Mortgage, LLC, NMLS #193027), and Ricky Merchant (MyLendingPal, Inc, NMLS #1517056).
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 | Ajith Anugu | 1607797 | Laxmi Narayan Enterprises, INC. | 186131 | The Colony, TX | $28.7M | 46 | 64.8% |
| #2 | Laura Witte | 193027 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $17.6M | 32 | 60.4% |
| #3 | Ricky Merchant | 1517056 | MyLendingPal, Inc | 1734346 | Suwanee, GA | $19.1M | 26 | 74.3% |
| #4 | Mark Daker | 35111 | Ameris Bank | 408099 | Alpharetta, GA | $14.4M | 25 | 27.5% |
| #5 | Kevin Rubin | 200630 | Southeastern Mortgage Solutions, Inc. | 170525 | Atlanta, GA | $13.9M | 23 | 45.1% |
| #6 | Rhonda Dearing | 456035 | Delta Community Credit Union | 401141 | Fayetteville, GA | $4.3M | 21 | 55.3% |
| #7 | Mark Baker | 216217 | SWBC Mortgage Corporation | 9741 | Marietta, GA | $6.5M | 20 | 58.8% |
| #7 | Sae Oh | 101037 | Prime Home Loans, Inc. | 98975 | San Antonio, TX | $9.3M | 20 | 52.6% |
| #9 | Matthew Kuglin | 887573 | Onward Home Mortgage, LLC | 2472074 | Norcross, GA | $9.3M | 18 | 51.4% |
| #10 | ANDREW GEISMAR | 231493 | Mortgage Assurance, Inc. | 177208 | Alpharetta, GA | $6.8M | 17 | 48.6% |
| #10 | Sudhir Agarwal | 1614573 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $9.1M | 17 | 81.0% |
| #10 | Mark Zielinski | 211156 | Ameris Bank | 408099 | Alpharetta, GA | $8.7M | 17 | 36.2% |
| #13 | Brie Henley | 103012 | Planet Home Lending, LLC | 17022 | Irving, TX | $3.7M | 16 | 66.7% |
| #14 | Arthur Karalexis | 103296 | Truist Bank | 399803 | Alpharetta, GA | $14.1M | 15 | 65.2% |
| #14 | Maxime Kallos | 170267 | Ardent Loans LLC | 2403107 | Alpharetta, GA | $6.6M | 15 | 23.1% |
| #16 | Timothy Gentry | 905172 | Loan Velocity, Inc. | 1078746 | Brunswick, GA | $7.8M | 14 | 28.0% |
| #16 | Marc Budnik | 62821 | Ameris Bank | 408099 | Alpharetta, GA | $7.4M | 14 | 45.2% |
| #16 | John Norwood | 138303 | Neighborhood Mortgage, Inc. | 138234 | Alpharetta, GA | $8.0M | 14 | 48.3% |
| #16 | Gareth Thomas | 177403 | Vanderbilt Mortgage and Finance, Inc. | 1561 | Kennesaw, GA | $6.0M | 14 | 30.4% |
| #16 | Mark Milam | 35163 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $8.9M | 14 | 41.2% |
| #16 | Kelley Sullivan | 213216 | New American Funding, LLC | 6606 | Savannah, GA | $4.3M | 14 | 53.8% |
| #22 | Pranesh Ambati | 1843453 | ShopWise Mortgage LLC | 2412164 | Troy, MI | $6.6M | 13 | 76.5% |
| #22 | Joseph Bishop | 204256 | Ameris Bank | 408099 | Athens, GA | $9.8M | 13 | 46.4% |
| #22 | Tony Salloum | 1727275 | Pinnacle Bank | 418535 | Athens, GA | $8.7M | 13 | 61.9% |
| #22 | Jasmina Krnjetin | 116216 | Canopy Mortgage, LLC | 1359687 | Atlanta, GA | $5.6M | 13 | 37.1% |
| #22 | Christie Lorton | 795210 | Delta Community Credit Union | 401141 | Cumming, GA | $3.6M | 13 | 41.9% |
| #22 | TEJAS SHAH | 1323605 | Progressive Home Mortgage, Inc. | 1820923 | Suwanee, GA | $5.2M | 13 | 56.5% |
| #28 | WILLIAM COWART | 310972 | Regions Bank | 174490 | Athens, GA | $4.8M | 12 | 36.4% |
| #28 | Benjamin Bell | 1450064 | NEXA Mortgage, LLC | 1660690 | Alpharetta, GA | $4.6M | 12 | 37.5% |
| #28 | CHINMAYA MANCHALA | 1629259 | NORTHEAST MORTGAGE, INC | 1877014 | Cumming, GA | $6.5M | 12 | 35.3% |
| #31 | Jessica Bernstein | 239178 | SouthState Bank, N.A. | 403455 | Atlanta, GA | $4.2M | 11 | 47.8% |
| #31 | Joshua White | 167243 | The Loan Closer Mortgage Group, LLC | 2661642 | Acworth, GA | $4.5M | 11 | 47.8% |
| #31 | Patrick Furlong | 176520 | eHome Loan Advisors, LLC | 321959 | Roswell, GA | $5.6M | 11 | 44.0% |
| #31 | Craig Faer | 789702 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Atlanta, GA | $4.8M | 11 | 64.7% |
| #31 | Jason Waters | 623984 | Affinity Home Lending LLC | 1181151 | Marietta, GA | $6.0M | 11 | 52.4% |
| #36 | Alex Margulis | 484722 | U.S. Bank National Association | 402761 | Atlanta, GA | $11.0M | 10 | 90.9% |
| #36 | Matthew Garcia | 218245 | CrossCountry Mortgage, LLC | 3029 | Suwanee, GA | $5.0M | 10 | 14.5% |
| #36 | JAE YUN KIM | 1614054 | Prime Home Loans, Inc. | 98975 | San Antonio, TX | $3.7M | 10 | 100.0% |
| #36 | Barry Butler | 658820 | CrossCountry Mortgage, LLC | 3029 | Acworth, GA | $4.0M | 10 | 58.8% |
| #36 | Arthur Wood | 118234 | Luminate Bank | 1281698 | Tucker, GA | $2.8M | 10 | 50.0% |
| #36 | Devorah Shaw | 901939 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Atlanta, GA | $4.7M | 10 | 55.6% |
| #36 | James Willard | 150039 | Liberty Home Mortgages LLC | 156311 | Atlanta, GA | $4.4M | 10 | 62.5% |
| #43 | Joseph Ratterree | 2105708 | Trident Home Loans, LLC | 65716 | Pensacola, FL | $7.9M | 9 | 81.8% |
| #43 | James Cheeley | 118012 | Lincoln Capital Advisors, LLC | 51482 | Roswell, GA | $5.2M | 9 | 40.9% |
| #43 | Terry Siniard | 246046 | SWBC Mortgage Corporation | 9741 | Cartersville, GA | $3.8M | 9 | 18.4% |
| #43 | Joshua Dean | 1662895 | Homeowners Financial Group USA, LLC | 93718 | Canton, GA | $4.3M | 9 | 50.0% |
| #43 | Lisbeth Holt | 1606678 | Movement Mortgage, LLC | 39179 | Atlanta, GA | $5.4M | 9 | 47.4% |
| #43 | Joy Vickers | 740739 | FIRST NATIONAL BANK OF COFFEE COUNTY | 696095 | Douglas, GA | $1.4M | 9 | 37.5% |
| #43 | John Lee | 415261 | Truist Bank | 399803 | Alpharetta, GA | $8.6M | 9 | 40.9% |
| #43 | Kelly Dover | 221481 | CrossCountry Mortgage, LLC | 3029 | Acworth, GA | $3.1M | 9 | 40.9% |
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 — Georgia. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/georgia/top-retention-by-units
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