Retention champions in Tennessee in 2025, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Pete Zaft (Movement Mortgage, LLC, NMLS #470658), John Butler (Pinnacle Bank, NMLS #638615), and Joe Iezza (JPMorgan Chase Bank, National Association, NMLS #695089).
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 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $21.7M | 30 | 52.6% |
| #2 | John Butler | 638615 | Pinnacle Bank | 418535 | Nashville, TN | $13.0M | 8 | 66.7% |
| #3 | Joe Iezza | 695089 | JPMorgan Chase Bank, National Association | 399798 | Franklin, TN | $12.6M | 11 | 68.8% |
| #4 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $12.5M | 13 | 37.1% |
| #5 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $11.1M | 26 | 59.1% |
| #6 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $10.7M | 17 | 81.0% |
| #7 | Jonathan Sidwell | 172230 | Old National Bank | 459308 | Nashville, TN | $9.8M | 11 | 45.8% |
| #8 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $8.8M | 15 | 93.8% |
| #9 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $8.5M | 19 | 26.4% |
| #10 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $8.5M | 22 | 38.6% |
| #11 | Kurt Johansson | 552442 | Shelter Lending Services, L.L.C. | 1033753 | Nashville, TN | $8.2M | 15 | 75.0% |
| #12 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $7.6M | 19 | 52.8% |
| #13 | Jennifer Butler | 590626 | Lineage Bank | 795340 | Franklin, TN | $7.5M | 12 | 42.9% |
| #14 | Alexandre Olivera | 937809 | Patriot Mortgage Group Inc. | 2074840 | Franklin, TN | $7.3M | 14 | 93.3% |
| #15 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $7.3M | 27 | 32.5% |
| #16 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $7.3M | 13 | 52.0% |
| #17 | Paul Eldridge | 1040249 | Keystone Mortgage Group LLC | 153790 | Knoxville, TN | $7.1M | 18 | 54.5% |
| #18 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $7.0M | 13 | 72.2% |
| #19 | Garrett Locklear | 820797 | Guaranteed Rate, Inc. | 2611 | Brentwood, TN | $6.9M | 11 | 22.0% |
| #20 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $6.7M | 14 | 42.4% |
| #21 | Terry Dyer | 1411391 | The Huntington National Bank | 402436 | Brentwood, TN | $6.7M | 8 | 47.1% |
| #22 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $6.5M | 20 | 31.3% |
| #23 | Gail Fielder | 630557 | Altra Federal Credit Union | 457287 | Onalaska, WI | $6.5M | 17 | 77.3% |
| #24 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $6.4M | 11 | 35.5% |
| #25 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $6.4M | 14 | 22.2% |
| #26 | Kenneth Locke | 87627 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $6.1M | 11 | 52.4% |
| #27 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $6.0M | 10 | 43.5% |
| #28 | Gary Fagan | 638678 | Pinnacle Bank | 418535 | Nashville, TN | $5.9M | 4 | 40.0% |
| #29 | Christopher Kloc | 2148867 | CrossCountry Mortgage, LLC | 3029 | Chattanooga, TN | $5.9M | 18 | 64.3% |
| #30 | Jay White | 1751071 | Altra Federal Credit Union | 457287 | Clarksville, TN | $5.9M | 12 | 50.0% |
| #31 | John Baertels | 504816 | Leaders Credit Union | 402804 | Jackson, TN | $5.9M | 20 | 66.7% |
| #32 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $5.9M | 15 | 37.5% |
| #33 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $5.5M | 9 | 81.8% |
| #34 | Lisa Wiles | 450683 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $5.5M | 16 | 27.1% |
| #35 | Justin Lee | 461680 | Guaranteed Rate, Inc. | 2611 | Franklin, TN | $5.4M | 9 | 56.3% |
| #36 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.3M | 11 | 68.8% |
| #37 | Daniel Ramer | 639060 | Pinnacle Bank | 418535 | Brentwood, TN | $5.3M | 3 | 27.3% |
| #38 | Mark Neely | 489379 | Go Rascal Inc. | 2072896 | Nashville, TN | $5.2M | 6 | 33.3% |
| #39 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $5.1M | 13 | 59.1% |
| #40 | Rose Tignor | 166872 | Allegiant Mortgage LLC | 249899 | Mount Juliet, TN | $5.0M | 15 | 71.4% |
| #41 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $5.0M | 13 | 48.1% |
| #42 | Austin Barnard | 1972245 | First Community Mortgage, Inc. | 629700 | Murfreesboro, TN | $4.9M | 11 | 52.4% |
| #43 | Shawn Kaplan | 184641 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $4.8M | 10 | 30.3% |
| #44 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $4.7M | 20 | 64.5% |
| #45 | Matt Freije | 932517 | CMG Mortgage, Inc. | 1820 | Brentwood, TN | $4.7M | 7 | 58.3% |
| #46 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Murfreesboro, TN | $4.7M | 12 | 32.4% |
| #47 | Andrew Keane | 250248 | Studio Bank | 1761767 | Nashville, TN | $4.7M | 7 | 63.6% |
| #48 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $4.6M | 4 | 36.4% |
| #49 | George Nash | 476679 | Intercoastal Mortgage, LLC | 56323 | — | $4.6M | 10 | 47.6% |
| #50 | Robbie Drain | 1813606 | loanDepot.com, LLC | 174457 | Southfield, MI | $4.6M | 10 | 55.6% |
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 (2025). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-volume/2025
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