Retention champions in Georgia in 2026, 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 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 | 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 | Kelley Sullivan | 213216 | New American Funding, LLC | 6606 | Savannah, GA | $4.3M | 14 | 53.8% |
| #16 | Mark Milam | 35163 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $8.9M | 14 | 41.2% |
| #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% |
| #22 | Pranesh Ambati | 1843453 | ShopWise Mortgage LLC | 2412164 | Troy, MI | $6.6M | 13 | 76.5% |
| #22 | Christie Lorton | 795210 | Delta Community Credit Union | 401141 | Cumming, GA | $3.6M | 13 | 41.9% |
| #22 | Tony Salloum | 1727275 | Pinnacle Bank | 418535 | Athens, GA | $8.7M | 13 | 61.9% |
| #22 | TEJAS SHAH | 1323605 | Progressive Home Mortgage, Inc. | 1820923 | Suwanee, GA | $5.2M | 13 | 56.5% |
| #22 | Joseph Bishop | 204256 | Ameris Bank | 408099 | Athens, GA | $9.8M | 13 | 46.4% |
| #22 | Jasmina Krnjetin | 116216 | Canopy Mortgage, LLC | 1359687 | Atlanta, GA | $5.6M | 13 | 37.1% |
| #28 | Benjamin Bell | 1450064 | NEXA Mortgage, LLC | 1660690 | Alpharetta, GA | $4.6M | 12 | 37.5% |
| #28 | WILLIAM COWART | 310972 | Regions Bank | 174490 | Athens, GA | $4.8M | 12 | 36.4% |
| #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 | Craig Faer | 789702 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Atlanta, GA | $4.8M | 11 | 64.7% |
| #31 | Patrick Furlong | 176520 | eHome Loan Advisors, LLC | 321959 | Roswell, GA | $5.6M | 11 | 44.0% |
| #31 | Jason Waters | 623984 | Affinity Home Lending LLC | 1181151 | Marietta, GA | $6.0M | 11 | 52.4% |
| #36 | Devorah Shaw | 901939 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Atlanta, GA | $4.7M | 10 | 55.6% |
| #36 | Barry Butler | 658820 | CrossCountry Mortgage, LLC | 3029 | Acworth, GA | $4.0M | 10 | 58.8% |
| #36 | JAE YUN KIM | 1614054 | Prime Home Loans, Inc. | 98975 | San Antonio, TX | $3.7M | 10 | 100.0% |
| #36 | Matthew Garcia | 218245 | CrossCountry Mortgage, LLC | 3029 | Suwanee, GA | $5.0M | 10 | 14.5% |
| #36 | Arthur Wood | 118234 | Luminate Bank | 1281698 | Tucker, GA | $2.8M | 10 | 50.0% |
| #36 | Alex Margulis | 484722 | U.S. Bank National Association | 402761 | Atlanta, GA | $11.0M | 10 | 90.9% |
| #36 | James Willard | 150039 | Liberty Home Mortgages LLC | 156311 | Atlanta, GA | $4.4M | 10 | 62.5% |
| #43 | Kelly Dover | 221481 | CrossCountry Mortgage, LLC | 3029 | Acworth, GA | $3.1M | 9 | 40.9% |
| #43 | Lisbeth Holt | 1606678 | Movement Mortgage, LLC | 39179 | Atlanta, GA | $5.4M | 9 | 47.4% |
| #43 | Jordan Bryant | 2095325 | CDC Federal Credit Union | 417484 | Atlanta, GA | $1.4M | 9 | 69.2% |
| #43 | Joseph Ratterree | 2105708 | Trident Home Loans, LLC | 65716 | Pensacola, FL | $7.9M | 9 | 81.8% |
| #43 | Joy Vickers | 740739 | FIRST NATIONAL BANK OF COFFEE COUNTY | 696095 | Douglas, GA | $1.4M | 9 | 37.5% |
| #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 | John Lee | 415261 | Truist Bank | 399803 | Alpharetta, GA | $8.6M | 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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/georgia/top-retention-by-units/2026
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