Retention champions in Tennessee in 2023, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Patricia Stephens (Union Bank, NMLS #510812), Joshua Warren (Bank of Perry County, NMLS #780411), and Alice Marlar (Premier Mortgage Financial, LLC, NMLS #97598).
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 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.9M | 25 | 83.3% |
| #2 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $2.4M | 24 | 92.3% |
| #3 | Alice Marlar | 97598 | Premier Mortgage Financial, LLC | 64073 | Memphis, TN | $4.5M | 19 | 67.9% |
| #4 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.7M | 18 | 69.2% |
| #5 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $1.3M | 17 | 38.6% |
| #6 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $2.9M | 16 | 50.0% |
| #7 | James Bolinger | 1572619 | SouthEast Bank | 537499 | Knoxville, TN | $14.0M | 15 | 88.2% |
| #8 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | — | $5.6M | 14 | 46.7% |
| #8 | Avery Baker | 1566420 | Eastman Credit Union | 407253 | Kingsport, TN | $921K | 14 | 42.4% |
| #8 | Robert Wood | 1940915 | Lit Financial Corporation | 2553292 | — | $1.1M | 14 | 93.3% |
| #11 | Haly Rau | 1109361 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $882K | 13 | 35.1% |
| #12 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $4.5M | 11 | 45.8% |
| #12 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $559K | 11 | 26.8% |
| #14 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.3M | 10 | 71.4% |
| #14 | Kelli Crouch | 777186 | Union Bank | 510604 | Jamestown, TN | $2.1M | 10 | 71.4% |
| #14 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $2.9M | 10 | 83.3% |
| #14 | Robert Wagner | 864751 | Eastman Credit Union | 407253 | Kingsport, TN | $684K | 10 | 43.5% |
| #18 | Michael Lett | 637375 | CITY EMPLOYEES CREDIT UNION | 409113 | Knoxville, TN | $870K | 9 | 69.2% |
| #19 | Bridgett Bacon | 1739867 | Eastman Credit Union | 407253 | Kingsport, TN | $532K | 8 | 30.8% |
| #19 | Harlan Holmes | 747382 | Old National Bank | 459308 | Nashville, TN | $2.2M | 8 | 28.6% |
| #19 | Kevin Perry | 1027228 | Trust Federal Credit Union | 409719 | Chattanooga, TN | $600K | 8 | 61.5% |
| #19 | Tammy Ladd | 703865 | Leaders Credit Union | 402804 | Jackson, TN | $948K | 8 | 30.8% |
| #19 | JEFFREY SHELTON | 447441 | Old Hickory Credit Union | 410589 | Nashville, TN | $775K | 8 | 72.7% |
| #19 | MELESSA RUTH | 407286 | PEOPLES BANK | 402843 | Clifton, TN | $1.5M | 8 | 50.0% |
| #19 | Judy Freels | 1781206 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $457K | 8 | 66.7% |
| #26 | nedea lee | 458022 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $918K | 7 | 58.3% |
| #26 | Steven Hyder | 1566421 | Eastman Credit Union | 407253 | Kingsport, TN | $802K | 7 | 29.2% |
| #26 | Stephanie Dodson | 872506 | PEOPLES BANK | 402843 | Hohenwald, TN | $1.6M | 7 | 41.2% |
| #26 | Karen Lankford | 170405 | First National Bank of Tennessee | 431625 | Crossville, TN | $617K | 7 | 58.3% |
| #26 | Chao Lin | 945237 | Bartlett Mortgage, Inc. | 418443 | Bartlett, TN | $791K | 7 | 43.8% |
| #26 | Michael Brock | 719155 | Citizens Tri-County Bank | 456466 | McMinnville, TN | $1.4M | 7 | 63.6% |
| #26 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $2.3M | 7 | 15.6% |
| #26 | Sherry Pepin | 1835544 | Eastman Credit Union | 407253 | Kingsport, TN | $473K | 7 | 28.0% |
| #26 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $1.7M | 7 | 26.9% |
| #35 | JENNIFER TREADWAY | 592104 | Eastman Credit Union | 407253 | Kingsport, TN | $735K | 6 | 24.0% |
| #35 | Edward Ford | 1771359 | Lakeview Loan Servicing, LLC | 391521 | — | $468K | 6 | 60.0% |
| #35 | Rebecca King | 704788 | Wellworth Bank | 533554 | Cookeville, TN | $1.6M | 6 | 50.0% |
| #35 | Judy Jones | 469997 | FIRST NATIONAL BANK | 474494 | Helenwood, TN | $548K | 6 | 54.5% |
| #35 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $888K | 6 | 20.0% |
| #35 | Beverly Shillingford | 164814 | Flat Branch Mortgage, Inc. | 224149 | Brentwood, TN | $1.5M | 6 | 42.9% |
| #41 | Kelli Bryan | 187731 | Leaders Credit Union | 402804 | Jackson, TN | $855K | 5 | 35.7% |
| #41 | JENNIFER CHEATHAM | 593676 | Tennessee Valley Federal Credit Union | 460298 | Chattanooga, TN | $528K | 5 | 41.7% |
| #41 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $249K | 5 | 45.5% |
| #41 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $1.1M | 5 | 35.7% |
| #41 | Caleb Anderson | 1961584 | Eastman Credit Union | 407253 | Kingsport, TN | $240K | 5 | 27.8% |
| #41 | Pamela Nichols | 1024820 | ASCEND FEDERAL CREDIT UNION | 451452 | Tullahoma, TN | $722K | 5 | 26.3% |
| #41 | Sharon McFarland | 177465 | The First Bank and Trust Company | 486426 | Kingsport, TN | $2.4M | 5 | 45.5% |
| #41 | Ryan Welch | 1663458 | New American Funding, LLC | 6606 | Brentwood, TN | $1.8M | 5 | 50.0% |
| #41 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $309K | 5 | 26.3% |
| #41 | Julianna King | 1724567 | Eastman Credit Union | 407253 | Kingsport, TN | $530K | 5 | 22.7% |
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 (2023). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2023
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