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 July 7, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Sterling Smith (First Community Mortgage, Inc., NMLS #1726806), and Brandon Burks (FIRSTBANK, NMLS #653961).
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 | $15.0M | 23 | 52.3% |
| #2 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $6.8M | 21 | 56.8% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.2M | 20 | 45.5% |
| #3 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.6M | 20 | 57.1% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $6.6M | 18 | 40.9% |
| #6 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $9.9M | 17 | 89.5% |
| #7 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.0M | 16 | 66.7% |
| #7 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.7M | 16 | 88.9% |
| #7 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #10 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 28.3% |
| #10 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.1M | 15 | 57.7% |
| #12 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 66.7% |
| #12 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $5.1M | 14 | 66.7% |
| #12 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $2.5M | 14 | 66.7% |
| #12 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $8.1M | 14 | 26.4% |
| #12 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 40.0% |
| #17 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $6.3M | 13 | 59.1% |
| #17 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 54.2% |
| #17 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $4.6M | 13 | 50.0% |
| #20 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $3.2M | 12 | 30.8% |
| #20 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.3M | 12 | 66.7% |
| #20 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.1M | 12 | 52.2% |
| #20 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 17.6% |
| #20 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.3M | 12 | 70.6% |
| #20 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $6.2M | 12 | 34.3% |
| #20 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.4M | 12 | 75.0% |
| #27 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 50.0% |
| #27 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.9M | 11 | 45.8% |
| #27 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #27 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $3.8M | 11 | 26.8% |
| #27 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.6M | 11 | 84.6% |
| #27 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $869K | 11 | 47.8% |
| #27 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 28.2% |
| #27 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.2M | 11 | 35.5% |
| #35 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 47.6% |
| #35 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 43.5% |
| #35 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $3.4M | 10 | 58.8% |
| #35 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.0M | 10 | 40.0% |
| #35 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $1.5M | 10 | 45.5% |
| #35 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $4.8M | 10 | 52.6% |
| #41 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 75.0% |
| #41 | Amy Grissom | 1375623 | Union Home Mortgage Corp. | 2229 | Cookeville, TN | $2.9M | 9 | 69.2% |
| #41 | Preston Hice | 1535703 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 9 | 81.8% |
| #41 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $2.9M | 9 | 56.3% |
| #41 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $8.4M | 9 | 69.2% |
| #41 | Taylor Bowers | 638611 | Legacy Home Loans, LLC | 1131833 | Mount Juliet, TN | $3.7M | 9 | 60.0% |
| #41 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 60.0% |
| #41 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $5.7M | 9 | 45.0% |
| #41 | Gregory DeMars | 384196 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.7M | 9 | 50.0% |
| #50 | Ozzie McBroom | 1200276 | Regions Bank | 174490 | Martin, TN | $1.5M | 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 Loan Count — Tennessee. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units
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