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 August 23, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Sterling Smith (First Community Mortgage, Inc., NMLS #1726806), and Michael Smalling (Legacy Home Loans, LLC, NMLS #383105).
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 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $15.3M | 24 | 52.2% |
| #1 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $7.6M | 24 | 51.1% |
| #3 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.9M | 21 | 53.8% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.4M | 21 | 44.7% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $7.3M | 20 | 39.2% |
| #5 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $3.0M | 20 | 66.7% |
| #7 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $10.9M | 19 | 90.5% |
| #7 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.3M | 19 | 65.5% |
| #9 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $1.6M | 17 | 51.5% |
| #9 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.6M | 17 | 32.7% |
| #9 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $9.0M | 17 | 25.8% |
| #9 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $3.1M | 17 | 81.0% |
| #9 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | — | $6.7M | 17 | 51.5% |
| #14 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #14 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.5M | 16 | 55.2% |
| #14 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.7M | 16 | 30.2% |
| #17 | Aimee Shell | 188129 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $5.3M | 15 | 55.6% |
| #17 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 25.4% |
| #17 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.8M | 15 | 71.4% |
| #17 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $7.2M | 15 | 57.7% |
| #21 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 60.9% |
| #21 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 29.8% |
| #23 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.4M | 13 | 44.8% |
| #23 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $6.0M | 13 | 59.1% |
| #23 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 54.2% |
| #23 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.7M | 13 | 72.2% |
| #23 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $6.6M | 13 | 33.3% |
| #28 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.3M | 12 | 70.6% |
| #28 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $2.0M | 12 | 44.4% |
| #28 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.7M | 12 | 80.0% |
| #28 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.4M | 12 | 60.0% |
| #28 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 16.9% |
| #28 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $4.1M | 12 | 44.4% |
| #34 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #34 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.2M | 11 | 31.4% |
| #34 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $10.1M | 11 | 64.7% |
| #34 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 27.5% |
| #34 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 47.8% |
| #34 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $1.8M | 11 | 32.4% |
| #40 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $4.4M | 10 | 45.5% |
| #40 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 45.5% |
| #40 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.0M | 10 | 40.0% |
| #40 | Jennifer-Lyn Douglas | 171388 | Movement Mortgage, LLC | 39179 | Johnson City, TN | $3.3M | 10 | 45.5% |
| #40 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 40.0% |
| #40 | Pratima Vallepalli | 2544429 | SI Mortgage Company | 68434 | Sterling Heights, MI | $5.4M | 10 | 90.9% |
| #40 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $3.3M | 10 | 55.6% |
| #40 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $3.2M | 10 | 50.0% |
| #48 | Amanda McGill | 1848460 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $2.8M | 9 | 39.1% |
| #48 | Lisa Durand | 16441 | Mortgage Research Center, LLC | 1907 | Clarksville, TN | $3.0M | 9 | 40.9% |
| #48 | Amy Grissom | 1375623 | Union Home Mortgage Corp. | 2229 | Cookeville, TN | $2.9M | 9 | 64.3% |
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 August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units
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