Retention champions in Tennessee in 2026, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Michael Smalling (Legacy Home Loans, LLC, NMLS #383105), 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 | $15.1M | 23 | 57.5% |
| #2 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $11.2M | 21 | 60.0% |
| #3 | Justin Frizzell | 437063 | First Horizon Bank | 472329 | Nashville, TN | $10.8M | 11 | 78.6% |
| #4 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 30.6% |
| #5 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $9.6M | 16 | 94.1% |
| #6 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $9.1M | 17 | 47.2% |
| #7 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $8.9M | 13 | 61.9% |
| #8 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 60.0% |
| #9 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $7.9M | 13 | 28.9% |
| #10 | Michael Ribas | 232275 | First Horizon Bank | 472329 | Nashville, TN | $7.4M | 8 | 80.0% |
| #11 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $7.0M | 15 | 88.2% |
| #12 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $6.9M | 8 | 66.7% |
| #13 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $6.1M | 11 | 55.0% |
| #14 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $6.1M | 10 | 90.9% |
| #15 | William Pritchett | 428330 | Old National Bank | 459308 | Nashville, TN | $5.8M | 6 | 54.5% |
| #16 | Jennifer Butler | 590626 | FIRSTBANK | 472433 | Franklin, TN | $5.7M | 9 | 45.0% |
| #17 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $5.7M | 10 | 58.8% |
| #18 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.6M | 8 | 61.5% |
| #19 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $5.5M | 17 | 56.7% |
| #20 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $5.5M | 10 | 41.7% |
| #21 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $5.2M | 10 | 50.0% |
| #22 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $5.2M | 14 | 41.2% |
| #23 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $5.0M | 13 | 59.1% |
| #24 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.8M | 10 | 50.0% |
| #25 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $4.8M | 12 | 21.4% |
| #26 | Preston Hice | 1535703 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.8M | 9 | 81.8% |
| #27 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 90.0% |
| #28 | Andrew Keane | 250248 | Studio Bank | 1761767 | Nashville, TN | $4.7M | 5 | 45.5% |
| #29 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.6M | 9 | 40.9% |
| #30 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $4.3M | 13 | 41.9% |
| #31 | Lane Gerhardt | 355279 | FIRSTBANK | 472433 | Nashville, TN | $4.3M | 3 | 25.0% |
| #32 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $4.1M | 8 | 36.4% |
| #33 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $4.1M | 11 | 68.8% |
| #34 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 50.0% |
| #35 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $3.9M | 10 | 66.7% |
| #36 | William Watson | 590092 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $3.9M | 7 | 63.6% |
| #37 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $3.9M | 12 | 66.7% |
| #38 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.9M | 11 | 50.0% |
| #39 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $3.8M | 9 | 60.0% |
| #40 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 29.7% |
| #41 | Paul Eldridge | 1040249 | Keystone Mortgage Group LLC | 153790 | Knoxville, TN | $3.7M | 7 | 70.0% |
| #42 | Mark Neely | 489379 | Go Rascal Inc. | 2072896 | Nashville, TN | $3.5M | 6 | 54.5% |
| #43 | Paul Pratt | 1071002 | Full Service Mortgage Group, LLC | 1243230 | Franklin, TN | $3.5M | 4 | 40.0% |
| #44 | Austin Barnard | 1972245 | First Community Mortgage, Inc. | 629700 | Murfreesboro, TN | $3.5M | 6 | 46.2% |
| #45 | Darla Boston | 185666 | Mortgage Investors Group | 34391 | Memphis, TN | $3.4M | 7 | 63.6% |
| #46 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $3.4M | 8 | 61.5% |
| #47 | Carlson Mason | 2075270 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $3.4M | 7 | 43.8% |
| #48 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $3.3M | 9 | 52.9% |
| #49 | Gregory DeMars | 384196 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.2M | 8 | 53.3% |
| #50 | Jarred Maggart | 613417 | FirstTrust Home Loans, Inc. | 75271 | Hendersonville, TN | $3.2M | 7 | 53.8% |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/tennessee/top-retention-by-volume/2026
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