Retention champions in Tennessee in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Justin Frizzell (First Horizon Bank, NMLS #437063), 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 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.4M | 12 | 75.0% |
| #3 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.6M | 20 | 57.1% |
| #4 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.2M | 20 | 45.5% |
| #5 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 28.3% |
| #6 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $9.9M | 17 | 89.5% |
| #7 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 54.2% |
| #8 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $8.4M | 9 | 69.2% |
| #9 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 60.0% |
| #10 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $8.1M | 14 | 26.4% |
| #11 | Michael Ribas | 232275 | First Horizon Bank | 472329 | Nashville, TN | $7.4M | 8 | 80.0% |
| #12 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #13 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.1M | 15 | 57.7% |
| #14 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $6.8M | 21 | 56.8% |
| #15 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.6M | 11 | 84.6% |
| #16 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $6.6M | 18 | 40.9% |
| #17 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #18 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $6.3M | 13 | 59.1% |
| #19 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $6.2M | 12 | 34.3% |
| #20 | Jason Kaplan | 659311 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $5.9M | 7 | 63.6% |
| #21 | William Pritchett | 428330 | Old National Bank | 459308 | Nashville, TN | $5.8M | 6 | 54.5% |
| #22 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $5.7M | 9 | 45.0% |
| #23 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.6M | 8 | 57.1% |
| #24 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 43.5% |
| #25 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.2M | 11 | 35.5% |
| #26 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.1M | 12 | 52.2% |
| #27 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 40.0% |
| #28 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $5.1M | 14 | 66.7% |
| #29 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.0M | 10 | 40.0% |
| #30 | Garrett Locklear | 820797 | Guaranteed Rate, Inc. | 2611 | Brentwood, TN | $4.9M | 8 | 25.8% |
| #31 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 47.6% |
| #32 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 17.6% |
| #33 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $4.8M | 10 | 52.6% |
| #34 | Preston Hice | 1535703 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 9 | 81.8% |
| #35 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 75.0% |
| #36 | Andrew Keane | 250248 | Studio Bank | 1761767 | Nashville, TN | $4.7M | 5 | 45.5% |
| #37 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $4.6M | 13 | 50.0% |
| #38 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.5M | 14 | 66.7% |
| #39 | Jeramy Williams | 257853 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.4M | 6 | 60.0% |
| #40 | Lane Gerhardt | 355279 | FIRSTBANK | 472433 | Nashville, TN | $4.3M | 3 | 25.0% |
| #41 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $4.0M | 16 | 66.7% |
| #42 | Austin Barnard | 1972245 | First Community Mortgage, Inc. | 629700 | Murfreesboro, TN | $4.0M | 7 | 46.7% |
| #43 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 50.0% |
| #44 | Shawn Kaplan | 184641 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $4.0M | 8 | 28.6% |
| #45 | William Watson | 590092 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $3.9M | 7 | 58.3% |
| #46 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.9M | 11 | 45.8% |
| #47 | Mark Neely | 489379 | Go Rascal Inc. | 2072896 | Nashville, TN | $3.9M | 7 | 58.3% |
| #48 | Chadwick Anderson | 372289 | Canopy Mortgage, LLC | 1359687 | Lindon, UT | $3.9M | 8 | 61.5% |
| #49 | Terry Dyer | 1411391 | The Huntington National Bank | 402436 | Brentwood, TN | $3.8M | 5 | 41.7% |
| #50 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $3.8M | 11 | 26.8% |
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 Volume — Tennessee. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-volume
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