Retention champions in Tennessee in 2026, 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 William Winfree (Legacy Home Loans, LLC, NMLS #639189), Michael Smalling (Legacy Home Loans, LLC, NMLS #383105), and Brandon Burks (FIRSTBANK, NMLS #653961).
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 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $15.1M | 23 | 59.0% |
| #2 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $11.2M | 21 | 61.8% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $9.1M | 17 | 48.6% |
| #4 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $9.6M | 16 | 94.1% |
| #4 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $5.0M | 16 | 55.2% |
| #6 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 33.3% |
| #7 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $5.2M | 14 | 43.8% |
| #7 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $8.2M | 14 | 31.8% |
| #9 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $4.3M | 13 | 41.9% |
| #9 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $6.3M | 13 | 86.7% |
| #11 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 22.2% |
| #11 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $6.7M | 12 | 60.0% |
| #11 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $4.8M | 12 | 57.1% |
| #11 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $3.9M | 12 | 66.7% |
| #11 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $7.9M | 12 | 60.0% |
| #16 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 32.4% |
| #16 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $4.1M | 11 | 68.8% |
| #16 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.2M | 11 | 84.6% |
| #16 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 52.4% |
| #16 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $10.8M | 11 | 78.6% |
| #21 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.6M | 10 | 50.0% |
| #21 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $5.5M | 10 | 43.5% |
| #21 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.1M | 10 | 90.9% |
| #21 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $5.7M | 10 | 58.8% |
| #21 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $1.7M | 10 | 90.9% |
| #26 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $3.3M | 9 | 56.3% |
| #26 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $2.5M | 9 | 60.0% |
| #26 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.3M | 9 | 47.4% |
| #26 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $4.8M | 9 | 47.4% |
| #26 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $3.4M | 9 | 69.2% |
| #26 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 64.3% |
| #26 | Taylor Bowers | 638611 | Legacy Home Loans, LLC | 1131833 | Mount Juliet, TN | $3.7M | 9 | 69.2% |
| #26 | Jennifer Butler | 590626 | FIRSTBANK | 472433 | Franklin, TN | $5.7M | 9 | 45.0% |
| #26 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $3.8M | 9 | 64.3% |
| #26 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 90.0% |
| #26 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $1.9M | 9 | 90.0% |
| #26 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.6M | 9 | 40.9% |
| #38 | Gregory DeMars | 384196 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.2M | 8 | 53.3% |
| #38 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $1.5M | 8 | 61.5% |
| #38 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $3.1M | 8 | 61.5% |
| #38 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $4.1M | 8 | 42.1% |
| #38 | Michael Ribas | 232275 | First Horizon Bank | 472329 | Nashville, TN | $7.4M | 8 | 80.0% |
| #38 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $2.7M | 8 | 72.7% |
| #38 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.6M | 8 | 61.5% |
| #38 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $3.4M | 8 | 61.5% |
| #46 | Darla Boston | 185666 | Mortgage Investors Group | 34391 | Memphis, TN | $3.4M | 7 | 63.6% |
| #46 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $6.3M | 7 | 70.0% |
| #46 | Jennifer-Lyn Douglas | 171388 | Movement Mortgage, LLC | 39179 | Johnson City, TN | $2.8M | 7 | 46.7% |
| #46 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $577K | 7 | 46.7% |
| #46 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Murfreesboro, TN | $3.0M | 7 | 36.8% |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2026
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