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 October 11, 2026, the top 3 include Sterling Smith (First Community Mortgage, Inc., NMLS #1726806), Joshua Warren (Bank of Perry County, NMLS #780411), and Michael Brown (Churchill Mortgage Corporation, NMLS #40332).
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 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $7.6M | 24 | 44.4% |
| #2 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $3.6M | 23 | 65.7% |
| #2 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $13.2M | 23 | 31.5% |
| #2 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $15.0M | 23 | 46.9% |
| #5 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.9M | 21 | 53.8% |
| #5 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.8M | 21 | 32.3% |
| #5 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $3.6M | 21 | 77.8% |
| #5 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $1.8M | 21 | 53.8% |
| #5 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.4M | 21 | 38.9% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $7.7M | 21 | 35.6% |
| #11 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.5M | 20 | 64.5% |
| #11 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.6M | 20 | 31.3% |
| #13 | Jessica Dillon | 841429 | Stockton Mortgage Corporation | 8259 | Frankfort, KY | $7.3M | 19 | 47.5% |
| #13 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Franklin, TN | $10.9M | 19 | 90.5% |
| #15 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $3.4M | 18 | 62.1% |
| #16 | Aimee Shell | 188129 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $5.8M | 17 | 58.6% |
| #16 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $7.6M | 17 | 58.6% |
| #16 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $8.1M | 17 | 53.1% |
| #19 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #20 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $6.4M | 15 | 17.6% |
| #20 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $2.3M | 15 | 38.5% |
| #20 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 23.1% |
| #23 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $6.3M | 14 | 50.0% |
| #23 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $2.2M | 14 | 42.4% |
| #23 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $4.8M | 14 | 56.0% |
| #23 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 56.0% |
| #23 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $5.1M | 14 | 46.7% |
| #23 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.6M | 14 | 63.6% |
| #23 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 28.0% |
| #23 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $7.0M | 14 | 30.4% |
| #31 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.4M | 13 | 44.8% |
| #31 | Pratima Vallepalli | 2544429 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 86.7% |
| #31 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.4M | 13 | 61.9% |
| #31 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.7M | 13 | 72.2% |
| #31 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 50.0% |
| #36 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.7M | 12 | 75.0% |
| #36 | Judy Freels | 1781206 | Enrichment Federal Credit Union | 449470 | Oak Ridge, TN | $4.1M | 12 | 60.0% |
| #36 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.6M | 12 | 27.9% |
| #39 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $5.4M | 11 | 45.8% |
| #39 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.2M | 11 | 42.3% |
| #39 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $6.9M | 11 | 13.3% |
| #39 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $10.1M | 11 | 61.1% |
| #39 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #39 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $3.3M | 11 | 52.4% |
| #39 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.4M | 11 | 39.3% |
| #39 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 47.8% |
| #39 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $4.8M | 11 | 39.3% |
| #39 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 24.4% |
| #49 | Kelli Crouch | 777186 | Union Bank | 510604 | Jamestown, TN | $2.0M | 10 | 55.6% |
| #49 | Jennifer-Lyn Douglas | 171388 | Movement Mortgage, LLC | 39179 | Johnson City, TN | $3.3M | 10 | 38.5% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2026
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