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 July 13, 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 | $15.0M | 23 | 52.3% |
| #2 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $6.8M | 21 | 56.8% |
| #3 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.6M | 20 | 57.1% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.2M | 20 | 45.5% |
| #5 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $6.6M | 18 | 40.9% |
| #6 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $9.9M | 17 | 89.5% |
| #7 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.0M | 16 | 66.7% |
| #7 | Patricia Stephens | 510812 | Union Bank | 510604 | Jamestown, TN | $2.7M | 16 | 88.9% |
| #7 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #10 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.1M | 15 | 57.7% |
| #10 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 28.3% |
| #12 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $8.1M | 14 | 26.4% |
| #12 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 66.7% |
| #12 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $2.5M | 14 | 66.7% |
| #12 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $5.1M | 14 | 66.7% |
| #12 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 40.0% |
| #17 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $6.3M | 13 | 59.1% |
| #17 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $4.6M | 13 | 50.0% |
| #17 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 54.2% |
| #20 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.1M | 12 | 52.2% |
| #20 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $6.2M | 12 | 34.3% |
| #20 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.3M | 12 | 66.7% |
| #20 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $3.2M | 12 | 30.8% |
| #20 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.4M | 12 | 75.0% |
| #20 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $2.3M | 12 | 70.6% |
| #20 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 17.6% |
| #27 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 28.2% |
| #27 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.6M | 11 | 84.6% |
| #27 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 50.0% |
| #27 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.2M | 11 | 35.5% |
| #27 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $869K | 11 | 47.8% |
| #27 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.9M | 11 | 45.8% |
| #27 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #27 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $3.8M | 11 | 26.8% |
| #35 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 47.6% |
| #35 | Amanda Winegar | 966737 | Eastman Credit Union | 407253 | Kingsport, TN | $1.5M | 10 | 45.5% |
| #35 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.0M | 10 | 40.0% |
| #35 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $3.4M | 10 | 58.8% |
| #35 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 43.5% |
| #35 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $4.8M | 10 | 52.6% |
| #41 | Taylor Bowers | 638611 | Legacy Home Loans, LLC | 1131833 | Mount Juliet, TN | $3.7M | 9 | 60.0% |
| #41 | Preston Hice | 1535703 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 9 | 81.8% |
| #41 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $8.4M | 9 | 69.2% |
| #41 | Amy Grissom | 1375623 | Union Home Mortgage Corp. | 2229 | Cookeville, TN | $2.9M | 9 | 69.2% |
| #41 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 75.0% |
| #41 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $2.9M | 9 | 56.3% |
| #41 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $5.7M | 9 | 45.0% |
| #41 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 60.0% |
| #41 | Gregory DeMars | 384196 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.7M | 9 | 50.0% |
| #50 | Kimberly Morris | 699706 | The Huntington National Bank | 402436 | Oakland, TN | $2.8M | 8 | 44.4% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-units/2026
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