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 August 27, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Sterling Smith (First Community Mortgage, Inc., NMLS #1726806), and Michael Smalling (Legacy Home Loans, LLC, NMLS #383105).
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 | $15.3M | 24 | 52.2% |
| #1 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $7.6M | 24 | 51.1% |
| #3 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.9M | 21 | 53.8% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.4M | 21 | 44.7% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $7.3M | 20 | 39.2% |
| #5 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $3.0M | 20 | 66.7% |
| #7 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $10.9M | 19 | 90.5% |
| #7 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.3M | 19 | 65.5% |
| #9 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | — | $6.7M | 17 | 51.5% |
| #9 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $1.6M | 17 | 51.5% |
| #9 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $9.0M | 17 | 25.8% |
| #9 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.6M | 17 | 32.7% |
| #9 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $3.1M | 17 | 81.0% |
| #14 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $4.7M | 16 | 30.2% |
| #14 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.5M | 16 | 55.2% |
| #14 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #17 | Aimee Shell | 188129 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $5.3M | 15 | 55.6% |
| #17 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $7.2M | 15 | 57.7% |
| #17 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 25.4% |
| #17 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.8M | 15 | 71.4% |
| #21 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 60.9% |
| #21 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 29.8% |
| #23 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $6.6M | 13 | 33.3% |
| #23 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 54.2% |
| #23 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.7M | 13 | 72.2% |
| #23 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $6.0M | 13 | 59.1% |
| #23 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.4M | 13 | 44.8% |
| #28 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.3M | 12 | 70.6% |
| #28 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 16.9% |
| #28 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $4.4M | 12 | 60.0% |
| #28 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $2.0M | 12 | 44.4% |
| #28 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.7M | 12 | 80.0% |
| #28 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $4.1M | 12 | 44.4% |
| #34 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.2M | 11 | 31.4% |
| #34 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #34 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $10.1M | 11 | 64.7% |
| #34 | Kara Roberts | 1218221 | Eastman Credit Union | 407253 | Kingsport, TN | $1.8M | 11 | 32.4% |
| #34 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 47.8% |
| #34 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 27.5% |
| #40 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $4.4M | 10 | 45.5% |
| #40 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.0M | 10 | 40.0% |
| #40 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 45.5% |
| #40 | Pratima Vallepalli | 2544429 | SI Mortgage Company | 68434 | Sterling Heights, MI | $5.4M | 10 | 90.9% |
| #40 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $3.3M | 10 | 55.6% |
| #40 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $3.2M | 10 | 50.0% |
| #40 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 40.0% |
| #40 | Jennifer-Lyn Douglas | 171388 | Movement Mortgage, LLC | 39179 | Johnson City, TN | $3.3M | 10 | 45.5% |
| #48 | Amanda McGill | 1848460 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $2.8M | 9 | 39.1% |
| #48 | Amy Grissom | 1375623 | Union Home Mortgage Corp. | 2229 | Cookeville, TN | $2.9M | 9 | 64.3% |
| #48 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 75.0% |
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 (2026). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2026
Powered by ChatMMI