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 May 28, 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 | $13.5M | 14 | 87.5% |
| #7 | Avery Baker | 1566420 | Eastman Credit Union | 407253 | Kingsport, TN | $921K | 14 | 42.4% |
| #7 | Robert Wood | 1940915 | Lit Financial Corporation | 2553292 | — | $1.1M | 14 | 93.3% |
| #10 | Haly Rau | 1109361 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $882K | 13 | 35.1% |
| #10 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.6M | 13 | 44.8% |
| #12 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $691K | 12 | 28.6% |
| #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% |
| #17 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $2.5M | 9 | 81.8% |
| #17 | Michael Lett | 637375 | CITY EMPLOYEES CREDIT UNION | 409113 | Knoxville, TN | $870K | 9 | 69.2% |
| #19 | JEFFREY SHELTON | 447441 | Old Hickory Credit Union | 410589 | Nashville, TN | $775K | 8 | 72.7% |
| #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 | 61.5% |
| #19 | Bridgett Bacon | 1739867 | Eastman Credit Union | 407253 | Kingsport, TN | $532K | 8 | 32.0% |
| #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 | MELESSA RUTH | 407286 | PEOPLES BANK | 402843 | Clifton, TN | $1.5M | 8 | 50.0% |
| #26 | Chao Lin | 945237 | Bartlett Mortgage, Inc. | 418443 | Bartlett, TN | $791K | 7 | 43.8% |
| #26 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $2.3M | 7 | 15.6% |
| #26 | Karen Lankford | 170405 | First National Bank of Tennessee | 431625 | Crossville, TN | $617K | 7 | 58.3% |
| #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 | Michael Brock | 719155 | Citizens Tri-County Bank | 456466 | McMinnville, TN | $1.4M | 7 | 70.0% |
| #26 | Steven Hyder | 1566421 | Eastman Credit Union | 407253 | Kingsport, TN | $802K | 7 | 30.4% |
| #26 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $1.7M | 7 | 26.9% |
| #26 | Sherry Pepin | 1835544 | Eastman Credit Union | 407253 | Kingsport, TN | $473K | 7 | 28.0% |
| #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% |
| #35 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $888K | 6 | 20.0% |
| #35 | JENNIFER TREADWAY | 592104 | Eastman Credit Union | 407253 | Kingsport, TN | $735K | 6 | 23.1% |
| #35 | Rebecca King | 704788 | Citizens Bank | 533554 | Cookeville, TN | $1.6M | 6 | 50.0% |
| #41 | Sharon McFarland | 177465 | The First Bank and Trust Company | 486426 | Kingsport, TN | $2.4M | 5 | 45.5% |
| #41 | Julianna King | 1724567 | Eastman Credit Union | 407253 | Kingsport, TN | $530K | 5 | 23.8% |
| #41 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $1.1M | 5 | 35.7% |
| #41 | PENELOPE PAVITT | 779477 | Appalachian Community Federal Credit Union | 440873 | Kingsport, TN | $853K | 5 | 41.7% |
| #41 | Meagan Bannon | 1198184 | Leaders Credit Union | 402804 | Jackson, TN | $344K | 5 | 50.0% |
| #41 | JENNIFER CHEATHAM | 593676 | Tennessee Valley Federal Credit Union | 460298 | Chattanooga, TN | $528K | 5 | 41.7% |
| #41 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $309K | 5 | 26.3% |
| #41 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $249K | 5 | 45.5% |
| #41 | Pamela Nichols | 1024820 | ASCEND FEDERAL CREDIT UNION | 451452 | Tullahoma, TN | $722K | 5 | 26.3% |
| #41 | Billy Helton | 479273 | Lawrenceburg Federal Bank | 454065 | Lawrenceburg, TN | $164K | 5 | 41.7% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2023
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