Retention champions in Georgia this year, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Ajith Anugu (Laxmi Narayan Enterprises, INC., NMLS #1607797), Ricky Merchant (MyLendingPal, Inc, NMLS #1517056), and Kevin Rubin (Southeastern Mortgage Solutions, Inc., NMLS #200630).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Ajith Anugu | 1607797 | Laxmi Narayan Enterprises, INC. | 186131 | The Colony, TX | $12.0M | 25 | 64.1% |
| #2 | Ricky Merchant | 1517056 | MyLendingPal, Inc | 1734346 | Suwanee, GA | $12.0M | 12 | 80.0% |
| #3 | Kevin Rubin | 200630 | Southeastern Mortgage Solutions, Inc. | 170525 | Atlanta, GA | $10.4M | 16 | 51.6% |
| #4 | Arthur Karalexis | 103296 | Truist Bank | 399803 | Alpharetta, GA | $8.2M | 9 | 75.0% |
| #5 | Mark Zielinski | 211156 | Ameris Bank | 408099 | Alpharetta, GA | $7.3M | 14 | 45.2% |
| #6 | Matthew Kuglin | 887573 | Onward Home Mortgage, LLC | 2472074 | Norcross, GA | $7.0M | 12 | 75.0% |
| #7 | Laura Witte | 193027 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $6.4M | 12 | 60.0% |
| #8 | CHINMAYA MANCHALA | 1629259 | NORTHEAST MORTGAGE, INC | 1877014 | Cumming, GA | $6.2M | 11 | 50.0% |
| #9 | Mark Daker | 35111 | Ameris Bank | 408099 | Alpharetta, GA | $5.5M | 11 | 29.7% |
| #10 | ANDREW GEISMAR | 231493 | Mortgage Assurance, Inc. | 177208 | Alpharetta, GA | $5.5M | 13 | 59.1% |
| #11 | Sae Oh | 101037 | Prime Home Loans, Inc. | 98975 | San Antonio, TX | $5.0M | 10 | 71.4% |
| #12 | Sudhir Agarwal | 1614573 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $4.9M | 10 | 90.9% |
| #13 | Jason Waters | 623984 | Affinity Home Lending LLC | 1181151 | Marietta, GA | $4.8M | 9 | 75.0% |
| #14 | Brian Berman | 184320 | MORTGAGE ATLANTA LLC | 184273 | Marietta, GA | $4.5M | 8 | 44.4% |
| #15 | Jacob Abraham | 161665 | Joseph Mortgage LLC | 1493917 | Suwanee, GA | $4.4M | 8 | 72.7% |
| #16 | Lisbeth Holt | 1606678 | Movement Mortgage, LLC | 39179 | Atlanta, GA | $4.4M | 7 | 53.8% |
| #17 | TEJAS SHAH | 1323605 | Progressive Home Mortgage, Inc. | 1820923 | Suwanee, GA | $4.1M | 10 | 66.7% |
| #18 | Pranesh Ambati | 1843453 | ShopWise Mortgage LLC | 2412164 | Troy, MI | $3.9M | 8 | 80.0% |
| #19 | Craig Faer | 789702 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Atlanta, GA | $3.8M | 8 | 80.0% |
| #20 | Joshua Dean | 1662895 | Homeowners Financial Group USA, LLC | 93718 | Canton, GA | $3.6M | 7 | 53.8% |
| #21 | Gareth Thomas | 177403 | Vanderbilt Mortgage and Finance, Inc. | 1561 | Kennesaw, GA | $3.6M | 7 | 36.8% |
| #22 | Mark Baker | 216217 | SWBC Mortgage Corporation | 9741 | Marietta, GA | $3.5M | 13 | 76.5% |
| #23 | Matthew Garcia | 218245 | Everett Financial, Inc. | 2129 | Smyrna, GA | $3.5M | 7 | 22.6% |
| #24 | Mark Milam | 35163 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $3.3M | 6 | 37.5% |
| #25 | Benjamin Bell | 1450064 | UMortgage LLC | 1457759 | Smyrna, GA | $3.2M | 7 | 36.8% |
| #26 | Patrick Furlong | 176520 | eHome Loan Advisors, LLC | 321959 | Roswell, GA | $3.2M | 6 | 46.2% |
| #27 | William Aitkens | 1229182 | Ameris Bank | 408099 | Atlanta, GA | $3.1M | 5 | 38.5% |
| #28 | Timothy Gentry | 905172 | Loan Velocity, Inc. | 1078746 | Brunswick, GA | $3.1M | 6 | 35.3% |
| #29 | Jasmina Krnjetin | 116216 | Canopy Mortgage, LLC | 1359687 | Atlanta, GA | $2.7M | 7 | 43.8% |
| #30 | Michael Fitzmeyer | 93716 | Truist Bank | 399803 | Alpharetta, GA | $2.7M | 4 | 40.0% |
| #31 | Joshua White | 167243 | The Loan Closer Mortgage Group, LLC | 2661642 | Acworth, GA | $2.7M | 6 | 60.0% |
| #32 | JACK CLARK | 220536 | Vanderbilt Mortgage and Finance, Inc. | 1561 | Marietta, GA | $2.6M | 6 | 46.2% |
| #33 | James Cheeley | 118012 | Lincoln Capital Advisors, LLC | 51482 | Roswell, GA | $2.6M | 5 | 50.0% |
| #34 | Jessica Bernstein | 239178 | BankSouth Mortgage Company, LLC | 690971 | Milton, GA | $2.5M | 6 | 46.2% |
| #35 | Brie Henley | 103012 | Planet Home Lending, LLC | 17022 | Irving, TX | $2.5M | 11 | 84.6% |
| #36 | Holly Walther | 507972 | Success Mortgage Partners, Inc. | 130562 | St Augustine, FL | $2.4M | 6 | 35.3% |
| #37 | Todd Henley | 247911 | Prosperity Home Mortgage, LLC | 75164 | Alpharetta, GA | $2.2M | 2 | 18.2% |
| #38 | John Davis | 216222 | Guaranteed Rate, Inc. | 2611 | Kennesaw, GA | $2.1M | 4 | 40.0% |
| #39 | Christie Lorton | 795210 | Delta Community Credit Union | 401141 | Cumming, GA | $2.1M | 9 | 75.0% |
| #40 | WILLIAM COWART | 310972 | Regions Bank | 174490 | Athens, GA | $2.1M | 5 | 41.7% |
| #41 | Terry Siniard | 246046 | SWBC Mortgage Corporation | 9741 | Cartersville, GA | $1.9M | 4 | 25.0% |
| #42 | Tony Salloum | 1727275 | Pinnacle Bank | 418535 | Athens, GA | $1.9M | 3 | 30.0% |
| #43 | Reece Cohen | 200469 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Atlanta, GA | $1.8M | 4 | 33.3% |
| #44 | Jan Wagner | 152431 | BankSouth Mortgage Company, LLC | 690971 | Milton, GA | $1.7M | 2 | 20.0% |
| #45 | Allison Beldick | 902007 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Atlanta, GA | $1.7M | 3 | 25.0% |
| #46 | Jerome Jackson | 208470 | Southeast Mortgage of Georgia, Inc. | 103956 | Atlanta, GA | $1.6M | 4 | 40.0% |
| #47 | Julie Edwards | 969046 | BoxCar Mortgage, LLC | 1969375 | Atlanta, GA | $1.6M | 3 | 25.0% |
| #48 | Jeffrey Zulauf | 18566 | CrossCountry Mortgage, LLC | 3029 | Suwanee, GA | $1.5M | 3 | 17.6% |
| #49 | Rhonda Dearing | 456035 | Delta Community Credit Union | 401141 | Fayetteville, GA | $1.5M | 8 | 57.1% |
| #50 | Stewart Sadler | 147938 | Neighborhood Loans, Inc. | 222982 | Downers Grove, IL | $1.4M | 3 | 20.0% |