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 October 11, 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 | $3.0M | 26 | 83.9% |
| #2 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $2.4M | 24 | 88.9% |
| #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% |
| #4 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $1.3M | 18 | 40.0% |
| #6 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $2.9M | 16 | 50.0% |
| #7 | Avery Baker | 1566420 | Eastman Credit Union | 407253 | Kingsport, TN | $921K | 14 | 43.8% |
| #7 | James Bolinger | 1572619 | SouthEast Bank | 537499 | Knoxville, TN | $13.5M | 14 | 87.5% |
| #7 | Robert Wood | 1940915 | Lit Financial Corporation | 2553292 | — | $1.1M | 14 | 93.3% |
| #10 | Jessica Dillon | 841429 | Stockton Mortgage Corporation | 8259 | Frankfort, KY | $5.6M | 13 | 46.4% |
| #10 | Haly Rau | 1109361 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $882K | 13 | 35.1% |
| #12 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $691K | 12 | 29.3% |
| #13 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $4.5M | 11 | 45.8% |
| #13 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.7M | 11 | 73.3% |
| #15 | Kelli Crouch | 777186 | Union Bank | 510604 | Jamestown, TN | $2.1M | 10 | 71.4% |
| #15 | Robert Wagner | 864751 | Eastman Credit Union | 407253 | Kingsport, TN | $684K | 10 | 45.5% |
| #15 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $2.9M | 10 | 83.3% |
| #18 | Michael Lett | 637375 | CITY EMPLOYEES CREDIT UNION | 409113 | Knoxville, TN | $870K | 9 | 69.2% |
| #19 | Kevin Perry | 1027228 | Trust Federal Credit Union | 409719 | Chattanooga, TN | $600K | 8 | 61.5% |
| #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 | Tammy Ladd | 703865 | Leaders Credit Union | 402804 | Jackson, TN | $948K | 8 | 30.8% |
| #19 | Judy Freels | 1781206 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $457K | 8 | 66.7% |
| #19 | Harlan Holmes | 747382 | Old National Bank | 459308 | Nashville, TN | $2.2M | 8 | 28.6% |
| #19 | Bridgett Bacon | 1739867 | Eastman Credit Union | 407253 | Kingsport, TN | $532K | 8 | 30.8% |
| #26 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $1.7M | 7 | 26.9% |
| #26 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $2.3M | 7 | 15.6% |
| #26 | Steven Hyder | 1566421 | Eastman Credit Union | 407253 | Kingsport, TN | $802K | 7 | 29.2% |
| #26 | nedea lee | 458022 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $918K | 7 | 58.3% |
| #26 | Stephanie Dodson | 872506 | PEOPLES BANK | 402843 | Hohenwald, TN | $1.6M | 7 | 41.2% |
| #26 | Chao Lin | 945237 | Bartlett Mortgage, Inc. | 418443 | Bartlett, TN | $791K | 7 | 43.8% |
| #26 | Karen Lankford | 170405 | First National Bank of Tennessee | 431625 | Crossville, TN | $617K | 7 | 58.3% |
| #26 | Michael Brock | 719155 | Citizens Tri-County Bank | 456466 | McMinnville, TN | $1.4M | 7 | 63.6% |
| #26 | Sherry Pepin | 1835544 | Eastman Credit Union | 407253 | Kingsport, TN | $473K | 7 | 28.0% |
| #35 | JENNIFER TREADWAY | 592104 | Eastman Credit Union | 407253 | Kingsport, TN | $735K | 6 | 22.2% |
| #35 | Billy Helton | 479273 | Lawrenceburg Federal Bank | 454065 | Lawrenceburg, TN | $224K | 6 | 42.9% |
| #35 | Rebecca King | 704788 | Wellworth Bank | 533554 | Cookeville, TN | $1.6M | 6 | 50.0% |
| #35 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $888K | 6 | 20.0% |
| #35 | Judy Jones | 469997 | FIRST NATIONAL BANK | 474494 | Helenwood, TN | $548K | 6 | 54.5% |
| #35 | Edward Ford | 1771359 | Lakeview Loan Servicing, LLC | 391521 | — | $468K | 6 | 60.0% |
| #35 | Beverly Shillingford | 164814 | Flat Branch Mortgage, Inc. | 224149 | Brentwood, TN | $1.5M | 6 | 42.9% |
| #42 | Caleb Anderson | 1961584 | Eastman Credit Union | 407253 | Kingsport, TN | $240K | 5 | 27.8% |
| #42 | Ryan Welch | 1663458 | New American Funding, LLC | 6606 | Brentwood, TN | $1.8M | 5 | 45.5% |
| #42 | Sharon McFarland | 177465 | The First Bank and Trust Company | 486426 | Kingsport, TN | $2.4M | 5 | 45.5% |
| #42 | TERRI SLIGER | 593715 | Tennessee Valley Federal Credit Union | 460298 | Chattanooga, TN | $780K | 5 | 29.4% |
| #42 | PENELOPE PAVITT | 779477 | Appalachian Community Federal Credit Union | 440873 | Kingsport, TN | $853K | 5 | 38.5% |
| #42 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $309K | 5 | 26.3% |
| #42 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $1.1M | 5 | 35.7% |
| #42 | JENNIFER CHEATHAM | 593676 | Tennessee Valley Federal Credit Union | 460298 | Chattanooga, TN | $528K | 5 | 41.7% |
| #42 | Teresa Patterson | 654788 | First Community Bank of the Heartland, Inc. | 474502 | Clinton, KY | $899K | 5 | 50.0% |
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 (2023). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2023
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