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 August 27, 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 | $2.7M | 28 | 63.6% |
| #4 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $7.3M | 27 | 32.5% |
| #4 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | — | $11.6M | 27 | 60.0% |
| #6 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.6M | 24 | 80.0% |
| #7 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $4.3M | 22 | 78.6% |
| #8 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $8.2M | 21 | 37.5% |
| #9 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.6M | 20 | 21.3% |
| #9 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $4.7M | 20 | 64.5% |
| #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% |
| #13 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $3.9M | 19 | 65.5% |
| #13 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $8.5M | 19 | 26.8% |
| #13 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.6M | 19 | 52.8% |
| #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 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $4.6M | 17 | 12.7% |
| #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 | 27.6% |
| #22 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, 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 | 37.5% |
| #22 | Kurt Johansson | 552442 | Shelter Lending Services, L.L.C. | 1033753 | Nashville, TN | $8.2M | 15 | 75.0% |
| #26 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $6.4M | 14 | 22.2% |
| #26 | Alexandre Olivera | 937809 | Patriot Mortgage Group Inc. | 2074840 | Franklin, TN | $7.3M | 14 | 93.3% |
| #26 | Fred Redding | 762954 | Citizens Bank & Trust Company of Grainger County | 423017 | Bean Station, TN | $3.5M | 14 | 100.0% |
| #26 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $4.4M | 14 | 51.9% |
| #26 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $6.7M | 14 | 42.4% |
| #31 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $788K | 13 | 59.1% |
| #31 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $3.2M | 13 | 32.5% |
| #31 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $5.1M | 13 | 59.1% |
| #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 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $4.5M | 13 | 27.1% |
| #31 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $12.5M | 13 | 38.2% |
| #31 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.0M | 13 | 48.1% |
| #31 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $7.3M | 13 | 52.0% |
| #40 | Dallas Holmes | 1552134 | Bridgewood Mortgage, LLC | 2108227 | Manchester, TN | $3.7M | 12 | 70.6% |
| #40 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Brentwood, TN | $4.7M | 12 | 32.4% |
| #40 | Zachary Neumeister | 1669560 | Loan Pronto, Inc. | 1661781 | Charlotte, NC | $3.5M | 12 | 66.7% |
| #40 | Joseph Maples | 1321793 | Y-12 Federal Credit Union | 441816 | Oak Ridge, TN | $3.0M | 12 | 54.5% |
| #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 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $7.5M | 12 | 42.9% |
| #40 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.9M | 12 | 50.0% |
| #40 | Samuel Crowder II | 519413 | Elizabethton Federal Savings Bank | 500601 | Johnson City, TN | $2.2M | 12 | 85.7% |
| #49 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.3M | 11 | 68.8% |
| #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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2025
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