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 May 28, 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 | 53.6% |
| #3 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $2.7M | 28 | 63.6% |
| #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 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $4.4M | 23 | 79.3% |
| #6 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.5M | 23 | 76.7% |
| #8 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $8.5M | 22 | 37.9% |
| #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% |
| #11 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $4.4M | 19 | 63.3% |
| #11 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $6.2M | 19 | 30.6% |
| #11 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.6M | 19 | 52.8% |
| #11 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $3.9M | 19 | 65.5% |
| #11 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $8.5M | 19 | 27.5% |
| #16 | Paul Eldridge | 1040249 | Keystone Mortgage Group LLC | 153790 | Knoxville, TN | $7.1M | 18 | 54.5% |
| #16 | 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 | 13.0% |
| #18 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $10.7M | 17 | 81.0% |
| #20 | Lisa Wiles | 450683 | Better Mortgage Corporation | 330511 | Knoxville, TN | $5.5M | 16 | 28.1% |
| #20 | Gail Fielder | 630557 | Altra Federal Credit Union | 457287 | Onalaska, WI | $6.3M | 16 | 80.0% |
| #22 | Kurt Johansson | 552442 | Shelter Lending Services, L.L.C. | 1033753 | Nashville, TN | $8.2M | 15 | 75.0% |
| #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% |
| #25 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $6.7M | 14 | 43.8% |
| #25 | Alexandre Olivera | 937809 | Patriot Mortgage Group Inc. | 2074840 | Franklin, TN | $7.3M | 14 | 93.3% |
| #25 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $8.5M | 14 | 93.3% |
| #25 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $4.4M | 14 | 51.9% |
| #25 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $6.4M | 14 | 22.2% |
| #30 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $5.1M | 13 | 59.1% |
| #30 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $788K | 13 | 59.1% |
| #30 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 72.2% |
| #30 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $12.5M | 13 | 38.2% |
| #30 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $7.3M | 13 | 52.0% |
| #30 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.5M | 13 | 44.8% |
| #30 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $3.2M | 13 | 31.7% |
| #30 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $3.1M | 13 | 100.0% |
| #38 | James Adams | 1564525 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $4.4M | 12 | 80.0% |
| #38 | Samuel Crowder II | 519413 | Elizabethton Federal Savings Bank | 500601 | Johnson City, TN | $2.2M | 12 | 85.7% |
| #38 | Calvael Alisa | 1915734 | eMortgage Funding LLC | 1059364 | Troy, MI | $3.8M | 12 | 75.0% |
| #38 | Dallas Holmes | 1552134 | Bridgewood Mortgage, LLC | 2108227 | Manchester, TN | $3.7M | 12 | 70.6% |
| #38 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $4.2M | 12 | 26.7% |
| #38 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.9M | 12 | 50.0% |
| #38 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $4.5M | 12 | 46.2% |
| #38 | Zachary Neumeister | 1669560 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $3.5M | 12 | 66.7% |
| #46 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $3.2M | 11 | 31.4% |
| #46 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Murfreesboro, TN | $4.4M | 11 | 30.6% |
| #46 | Austin Barnard | 1972245 | First Community Mortgage, Inc. | 629700 | Murfreesboro, TN | $4.9M | 11 | 52.4% |
| #46 | Jonathan Sidwell | 172230 | Old National Bank | 459308 | Nashville, TN | $9.8M | 11 | 45.8% |
| #46 | Jennifer Butler | 590626 | FIRSTBANK | 472433 | Franklin, TN | $6.4M | 11 | 44.0% |
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 (2025). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2025
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