Retention champions in Tennessee in 2025, 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 Tracey Christy (Fortera Federal Credit Union, NMLS #41982), Pete Zaft (Movement Mortgage, LLC, NMLS #470658), and Joshua Warren (Bank of Perry County, NMLS #780411).
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 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $2.7M | 31 | 60.8% |
| #2 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $21.7M | 30 | 51.7% |
| #3 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $3.0M | 29 | 63.0% |
| #4 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $7.3M | 27 | 32.5% |
| #5 | Jessica Dillon | 841429 | Stockton Mortgage Corporation | 8259 | Frankfort, KY | $11.1M | 26 | 59.1% |
| #6 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.6M | 24 | 82.8% |
| #7 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $4.6M | 23 | 79.3% |
| #8 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $8.2M | 21 | 36.8% |
| #9 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $5.9M | 20 | 64.5% |
| #9 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $6.5M | 20 | 31.3% |
| #9 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $4.7M | 20 | 64.5% |
| #9 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.6M | 20 | 21.3% |
| #13 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $3.9M | 19 | 65.5% |
| #13 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.6M | 19 | 52.8% |
| #13 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $8.5M | 19 | 26.8% |
| #13 | Paul Eldridge | 1040249 | Keystone Mortgage Group LLC | 153790 | Knoxville, TN | $7.6M | 19 | 55.9% |
| #17 | Christopher Kloc | 2148867 | CrossCountry Mortgage, LLC | 3029 | Chattanooga, TN | $5.9M | 18 | 64.3% |
| #18 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $4.6M | 17 | 12.8% |
| #18 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $10.7M | 17 | 81.0% |
| #18 | Gail Fielder | 630557 | Altra Federal Credit Union | 457287 | Onalaska, WI | $6.5M | 17 | 77.3% |
| #21 | Lisa Wiles | 450683 | Princeton Mortgage Corporation | 113856 | Knoxville, TN | $5.5M | 16 | 28.1% |
| #22 | Kurt Johansson | 552442 | Shelter Lending Services, L.L.C. | 1033753 | Nashville, TN | $8.2M | 15 | 75.0% |
| #22 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Franklin, TN | $8.8M | 15 | 93.8% |
| #22 | Rose Tignor | 166872 | Allegiant Mortgage LLC | 249899 | Mount Juliet, TN | $5.0M | 15 | 71.4% |
| #22 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $5.9M | 15 | 38.5% |
| #26 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.2M | 14 | 51.9% |
| #26 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $6.4M | 14 | 22.2% |
| #26 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $6.7M | 14 | 42.4% |
| #26 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $4.4M | 14 | 51.9% |
| #26 | Alexandre Olivera | 937809 | Patriot Mortgage Group Inc. | 2074840 | Franklin, TN | $7.3M | 14 | 93.3% |
| #31 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $3.2M | 13 | 32.5% |
| #31 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $4.5M | 13 | 27.7% |
| #31 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 72.2% |
| #31 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.5M | 13 | 44.8% |
| #31 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $7.3M | 13 | 52.0% |
| #31 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $788K | 13 | 59.1% |
| #31 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $5.1M | 13 | 59.1% |
| #31 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $12.5M | 13 | 39.4% |
| #31 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $3.1M | 13 | 100.0% |
| #40 | Dallas Holmes | 1552134 | Bridgewood Mortgage, LLC | 2108227 | Manchester, TN | $3.7M | 12 | 70.6% |
| #40 | Samuel Crowder II | 519413 | Elizabethton Federal Savings Bank | 500601 | Johnson City, TN | $2.2M | 12 | 85.7% |
| #40 | Calvael Alisa | 1915734 | eMortgage Funding LLC | 1059364 | Troy, MI | $3.8M | 12 | 75.0% |
| #40 | Ryan Welch | 1663458 | New American Funding, LLC | 6606 | Brentwood, TN | $4.7M | 12 | 32.4% |
| #40 | James Adams | 1564525 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $4.4M | 12 | 80.0% |
| #40 | Zachary Neumeister | 1669560 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $3.5M | 12 | 66.7% |
| #40 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $7.5M | 12 | 42.9% |
| #40 | Joseph Maples | 1321793 | Y-12 Federal Credit Union | 441816 | Oak Ridge, TN | $3.0M | 12 | 54.5% |
| #40 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.9M | 12 | 48.0% |
| #49 | Kenneth Locke | 87627 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $6.1M | 11 | 52.4% |
| #49 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $3.2M | 11 | 31.4% |
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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2025
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