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 October 9, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Michael Brown (Churchill Mortgage Corporation, NMLS #40332), and Justin Frizzell (First Horizon Bank, NMLS #437063).
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 | 46.9% |
| #2 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $13.2M | 23 | 31.5% |
| #3 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $12.7M | 13 | 72.2% |
| #4 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $10.9M | 21 | 53.8% |
| #5 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Franklin, TN | $10.9M | 19 | 90.5% |
| #6 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $10.4M | 21 | 38.9% |
| #7 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $10.1M | 11 | 61.1% |
| #8 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 23.1% |
| #9 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 50.0% |
| #10 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $8.4M | 9 | 64.3% |
| #11 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $8.1M | 17 | 53.1% |
| #12 | Kevin Kenerson | 171733 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $7.7M | 21 | 35.6% |
| #13 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $7.6M | 17 | 58.6% |
| #14 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $7.6M | 24 | 44.4% |
| #15 | Michael Ribas | 232275 | First Horizon Bank | 472329 | Nashville, TN | $7.4M | 8 | 61.5% |
| #16 | Jessica Dillon | 841429 | Stockton Mortgage Corporation | 8259 | Frankfort, KY | $7.3M | 19 | 47.5% |
| #17 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.3M | 16 | 76.2% |
| #18 | Pratima Vallepalli | 2544429 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 86.7% |
| #19 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $7.0M | 14 | 30.4% |
| #20 | Carey Cyr | 160055 | CMG Mortgage, Inc. | 1820 | Franklin, TN | $6.9M | 11 | 13.3% |
| #21 | William Pritchett | 428330 | Old National Bank | 459308 | Nashville, TN | $6.8M | 7 | 53.8% |
| #22 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.7M | 12 | 75.0% |
| #23 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $6.4M | 15 | 17.6% |
| #24 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $6.3M | 14 | 50.0% |
| #25 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $6.3M | 11 | 57.9% |
| #26 | Jason Kaplan | 659311 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $5.9M | 7 | 46.7% |
| #27 | Aimee Shell | 188129 | Lending Hand Mortgage, LLC | 152227 | Madison, TN | $5.8M | 17 | 58.6% |
| #28 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.8M | 21 | 32.3% |
| #29 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $5.7M | 9 | 33.3% |
| #30 | lisa amyx | 4701 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $5.6M | 20 | 31.3% |
| #31 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.6M | 8 | 50.0% |
| #32 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $5.6M | 12 | 27.9% |
| #33 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.4M | 13 | 44.8% |
| #34 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $5.4M | 11 | 45.8% |
| #35 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.4M | 11 | 39.3% |
| #36 | Wesley Whitehead | 448196 | FIRSTBANK | 472433 | Knoxville, TN | $5.4M | 5 | 33.3% |
| #37 | Li Sullivan | 437035 | SERVISFIRST Bank | 556357 | Nashville, TN | $5.3M | 4 | 26.7% |
| #38 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $5.2M | 11 | 42.3% |
| #39 | Lane Gerhardt | 355279 | FIRSTBANK | 472433 | Nashville, TN | $5.2M | 4 | 30.8% |
| #40 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $5.1M | 14 | 46.7% |
| #41 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $5.1M | 14 | 28.0% |
| #42 | Garrett Locklear | 820797 | Guaranteed Rate, Inc. | 2611 | Brentwood, TN | $4.9M | 8 | 20.5% |
| #43 | Jeramy Williams | 257853 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.9M | 7 | 63.6% |
| #44 | Preston Hice | 1535703 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 9 | 60.0% |
| #45 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 69.2% |
| #46 | Justin Lee | 461680 | Guaranteed Rate, Inc. | 2611 | Franklin, TN | $4.8M | 6 | 60.0% |
| #47 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $4.8M | 14 | 56.0% |
| #48 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $4.8M | 11 | 39.3% |
| #49 | Andrew Keane | 250248 | Studio Bank | 1761767 | Nashville, TN | $4.7M | 5 | 31.3% |
| #50 | Shawn Kaplan | 184641 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $4.5M | 9 | 29.0% |
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 Volume — Tennessee. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-volume
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