Retention champions in Tennessee 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 Sterling Smith (First Community Mortgage, Inc., NMLS #1726806), William Winfree (Legacy Home Loans, LLC, NMLS #639189), and Joshua Warren (Bank of Perry County, NMLS #780411).
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 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $7.6M | 24 | 44.4% |
| #2 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $15.0M | 23 | 46.9% |
| #2 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $3.6M | 23 | 65.7% |
| #2 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $13.2M | 23 | 31.5% |
| #5 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.9M | 21 | 53.8% |
| #5 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.8M | 21 | 32.3% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $7.7M | 21 | 35.6% |
| #5 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $1.8M | 21 | 53.8% |
| #5 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $3.6M | 21 | 77.8% |
| #5 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.4M | 21 | 38.9% |
| #11 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.6M | 20 | 31.3% |
| #11 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.5M | 20 | 64.5% |
| #13 | Jessica Dillon | 841429 | Stockton Mortgage Corporation | 8259 | Frankfort, KY | $7.3M | 19 | 47.5% |
| #13 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Franklin, TN | $10.9M | 19 | 90.5% |
| #15 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $3.4M | 18 | 62.1% |
| #16 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $7.6M | 17 | 58.6% |
| #16 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $8.1M | 17 | 53.1% |
| #16 | Aimee Shell | 188129 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $5.8M | 17 | 58.6% |
| #19 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #20 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 23.1% |
| #20 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $2.3M | 15 | 38.5% |
| #20 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $6.4M | 15 | 17.6% |
| #23 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $7.0M | 14 | 30.4% |
| #23 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $4.8M | 14 | 56.0% |
| #23 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 28.0% |
| #23 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.6M | 14 | 63.6% |
| #23 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $6.3M | 14 | 50.0% |
| #23 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $5.1M | 14 | 46.7% |
| #23 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $2.2M | 14 | 42.4% |
| #23 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 56.0% |
| #31 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 50.0% |
| #31 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.4M | 13 | 44.8% |
| #31 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.7M | 13 | 72.2% |
| #31 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.4M | 13 | 61.9% |
| #31 | Pratima Vallepalli | 2544429 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 86.7% |
| #36 | Judy Freels | 1781206 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $4.1M | 12 | 60.0% |
| #36 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.7M | 12 | 75.0% |
| #36 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.6M | 12 | 27.9% |
| #39 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $10.1M | 11 | 61.1% |
| #39 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.2M | 11 | 42.3% |
| #39 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $4.8M | 11 | 39.3% |
| #39 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $3.3M | 11 | 52.4% |
| #39 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $5.4M | 11 | 45.8% |
| #39 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #39 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $6.9M | 11 | 13.3% |
| #39 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 47.8% |
| #39 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 24.4% |
| #39 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.4M | 11 | 39.3% |
| #49 | Rose Tignor | 166872 | Allegiant Mortgage LLC | 249899 | Mount Juliet, TN | $2.9M | 10 | 76.9% |
| #49 | Amanda McGill | 1848460 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $3.3M | 10 | 37.0% |
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 — Tennessee. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units
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