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 July 13, 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 | 52.6% |
| #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 | Altra Federal Credit Union | 457287 | Clarksville, TN | $11.1M | 26 | 59.1% |
| #6 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.6M | 24 | 77.4% |
| #7 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $8.5M | 22 | 38.6% |
| #7 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $4.3M | 22 | 78.6% |
| #9 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $5.9M | 20 | 66.7% |
| #9 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.6M | 20 | 21.3% |
| #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% |
| #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 | 26.4% |
| #16 | Christopher Kloc | 2148867 | CrossCountry Mortgage, LLC | 3029 | Chattanooga, TN | $5.9M | 18 | 64.3% |
| #16 | Paul Eldridge | 1040249 | Keystone Mortgage Group LLC | 153790 | Knoxville, TN | $7.1M | 18 | 54.5% |
| #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% |
| #18 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $4.6M | 17 | 12.8% |
| #21 | Lisa Wiles | 450683 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $5.5M | 16 | 27.1% |
| #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 | 37.5% |
| #22 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $8.8M | 15 | 93.8% |
| #22 | Kurt Johansson | 552442 | Shelter Lending Services, L.L.C. | 1033753 | Nashville, TN | $8.2M | 15 | 75.0% |
| #26 | Alexandre Olivera | 937809 | Patriot Mortgage Group Inc. | 2074840 | Franklin, TN | $7.3M | 14 | 93.3% |
| #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 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $6.4M | 14 | 22.2% |
| #30 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 72.2% |
| #30 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $3.1M | 13 | 100.0% |
| #30 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $7.3M | 13 | 52.0% |
| #30 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $788K | 13 | 59.1% |
| #30 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.0M | 13 | 48.1% |
| #30 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $4.5M | 13 | 28.3% |
| #30 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $5.1M | 13 | 59.1% |
| #30 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $3.2M | 13 | 31.7% |
| #30 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $12.5M | 13 | 37.1% |
| #30 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.5M | 13 | 44.8% |
| #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 | Calvael Alisa | 1915734 | eMortgage Funding LLC | 1059364 | Troy, MI | $3.8M | 12 | 75.0% |
| #40 | James Adams | 1564525 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $4.4M | 12 | 80.0% |
| #40 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.9M | 12 | 50.0% |
| #40 | Joseph Maples | 1321793 | Y-12 Federal Credit Union | 441816 | Oak Ridge, TN | $3.0M | 12 | 54.5% |
| #40 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Murfreesboro, TN | $4.7M | 12 | 32.4% |
| #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% |
| #49 | Jonathan Sidwell | 172230 | Old National Bank | 459308 | Nashville, TN | $9.8M | 11 | 45.8% |
| #49 | Joe Iezza | 695089 | JPMorgan Chase Bank, National Association | 399798 | Franklin, TN | $12.6M | 11 | 68.8% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2025
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