Retention champions in Georgia in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Ricky Merchant (MyLendingPal, Inc, NMLS #1517056), Ajith Anugu (Laxmi Narayan Enterprises, INC., NMLS #1607797), and Laura Witte (BoxCar Mortgage, LLC, NMLS #193027).
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 | Ricky Merchant | 1517056 | MyLendingPal, Inc | 1734346 | Suwanee, GA | $16.4M | 21 | 77.8% |
| #2 | Ajith Anugu | 1607797 | Laxmi Narayan Enterprises, INC. | 186131 | The Colony, TX | $16.1M | 33 | 62.3% |
| #3 | Laura Witte | 193027 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $13.7M | 24 | 66.7% |
| #4 | Kevin Rubin | 200630 | Southeastern Mortgage Solutions, Inc. | 170525 | Atlanta, GA | $13.2M | 21 | 50.0% |
| #5 | Arthur Karalexis | 103296 | Truist Bank | 399803 | Alpharetta, GA | $12.2M | 12 | 66.7% |
| #6 | Margaret McMullen | 664146 | Pinnacle Bank | 418535 | Atlanta, GA | $11.0M | 5 | 50.0% |
| #7 | Mark Daker | 35111 | Ameris Bank | 408099 | Alpharetta, GA | $9.5M | 18 | 26.5% |
| #8 | Matthew Kuglin | 887573 | Onward Home Mortgage, LLC | 2472074 | Norcross, GA | $9.1M | 17 | 65.4% |
| #9 | Mark Zielinski | 211156 | Ameris Bank | 408099 | Alpharetta, GA | $8.7M | 17 | 44.7% |
| #10 | Sudhir Agarwal | 1614573 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $7.5M | 14 | 93.3% |
| #11 | Tony Salloum | 1727275 | Pinnacle Bank | 418535 | Athens, GA | $7.4M | 10 | 58.8% |
| #12 | Sae Oh | 101037 | Prime Home Loans, Inc. | 98975 | San Antonio, TX | $7.2M | 15 | 50.0% |
| #13 | Joseph Bishop | 204256 | Ameris Bank | 408099 | Athens, GA | $7.1M | 10 | 50.0% |
| #14 | John Norwood | 138303 | Neighborhood Mortgage, Inc. | 138234 | Alpharetta, GA | $6.5M | 11 | 61.1% |
| #15 | ANDREW GEISMAR | 231493 | Mortgage Assurance, Inc. | 177208 | Alpharetta, GA | $6.5M | 15 | 51.7% |
| #16 | CHINMAYA MANCHALA | 1629259 | NORTHEAST MORTGAGE, INC | 1877014 | Cumming, GA | $6.5M | 12 | 40.0% |
| #17 | Mark Baker | 216217 | SWBC Mortgage Corporation | 9741 | Marietta, GA | $6.4M | 19 | 76.0% |
| #18 | Jason Waters | 623984 | Affinity Home Lending LLC | 1181151 | Marietta, GA | $5.6M | 10 | 58.8% |
| #19 | Timothy Gentry | 905172 | Loan Velocity, Inc. | 1078746 | Brunswick, GA | $5.4M | 10 | 27.8% |
| #20 | Wellborn Price | 658985 | Regions Bank | 174490 | Atlanta, GA | $5.4M | 7 | 43.8% |
| #21 | Marc Budnik | 62821 | Ameris Bank | 408099 | Alpharetta, GA | $5.3M | 9 | 42.9% |
| #22 | TEJAS SHAH | 1323605 | Progressive Home Mortgage, Inc. | 1820923 | Suwanee, GA | $5.2M | 13 | 61.9% |
| #23 | Patrick Furlong | 176520 | eHome Loan Advisors, LLC | 321959 | Roswell, GA | $5.1M | 10 | 52.6% |
| #24 | Vincent Spadea | 415638 | Truist Bank | 399803 | Duluth, GA | $5.1M | 6 | 54.5% |
| #25 | Fariz Morani | 1620536 | Access Loans & Financing LLC | 1641305 | Stone Mountain, GA | $5.0M | 5 | 41.7% |
| #26 | Gareth Thomas | 177403 | Vanderbilt Mortgage and Finance, Inc. | 1561 | Kennesaw, GA | $5.0M | 11 | 37.9% |
| #27 | Pranesh Ambati | 1843453 | ShopWise Mortgage LLC | 2412164 | Troy, MI | $5.0M | 10 | 76.9% |
| #28 | Tanya Cohn | 131823 | Preferred Mortgage Source LLC | 2035695 | Roswell, GA | $4.9M | 6 | 54.5% |
| #29 | Lisbeth Holt | 1606678 | Movement Mortgage, LLC | 39179 | Atlanta, GA | $4.9M | 8 | 53.3% |
| #30 | William Aitkens | 1229182 | Ameris Bank | 408099 | Atlanta, GA | $4.9M | 8 | 47.1% |
| #31 | Jasmina Krnjetin | 116216 | Canopy Mortgage, LLC | 1359687 | Atlanta, GA | $4.8M | 10 | 40.0% |
| #32 | Brian Berman | 184320 | MORTGAGE ATLANTA LLC | 184273 | Marietta, GA | $4.5M | 8 | 30.8% |
| #33 | Craig Faer | 789702 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Atlanta, GA | $4.5M | 10 | 62.5% |
| #34 | Jacob Abraham | 161665 | Joseph Mortgage LLC | 1493917 | Suwanee, GA | $4.4M | 8 | 57.1% |
| #35 | Joshua Dean | 1662895 | Homeowners Financial Group USA, LLC | 93718 | Canton, GA | $4.3M | 9 | 52.9% |
| #36 | James Willard | 150039 | Liberty Home Mortgages LLC | 156311 | Atlanta, GA | $4.2M | 9 | 81.8% |
| #37 | WILLIAM COWART | 310972 | Regions Bank | 174490 | Athens, GA | $4.1M | 10 | 50.0% |
| #38 | Raphael Hirsch | 16134 | American Financial Network, Inc. | 237341 | Atlanta, GA | $4.1M | 8 | 72.7% |
| #39 | Jessica Bernstein | 239178 | BankSouth Mortgage Company, LLC | 690971 | Atlanta, GA | $4.0M | 10 | 50.0% |
| #40 | Michael Fitzmeyer | 93716 | Truist Bank | 399803 | Alpharetta, GA | $4.0M | 6 | 46.2% |
| #41 | MICHAEL BERNARD | 254201 | Reliable Home Lenders, LLC | 1704971 | Atlanta, GA | $4.0M | 8 | 66.7% |
| #42 | Chadwick Wade | 147936 | Cornerstone Mortgage Group, LLC | 147913 | Alpharetta, GA | $3.9M | 7 | 58.3% |
| #43 | Benjamin Bell | 1450064 | UMortgage LLC | 1457759 | Smyrna, GA | $3.8M | 10 | 37.0% |
| #44 | John Lee | 415261 | Truist Bank | 399803 | Alpharetta, GA | $3.8M | 5 | 41.7% |
| #45 | Charles Reed | 189915 | Intercoastal Mortgage, LLC | 56323 | Bluffton, SC | $3.8M | 6 | 40.0% |
| #46 | Joshua White | 167243 | The Loan Closer Mortgage Group, LLC | 2661642 | Acworth, GA | $3.7M | 9 | 64.3% |
| #47 | Mark Milam | 35163 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $3.7M | 8 | 38.1% |
| #48 | Matthew Garcia | 218245 | Everett Financial, Inc. | 2129 | Smyrna, GA | $3.7M | 8 | 16.3% |
| #49 | James Cheeley | 118012 | Lincoln Capital Advisors, LLC | 51482 | Roswell, GA | $3.7M | 7 | 46.7% |
| #50 | Eric Hoffner | 624260 | StrongBox Home Loans, LLC | 1707536 | Roswell, GA | $3.6M | 8 | 61.5% |
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 Volume — Georgia. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/georgia/top-retention-by-volume
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