Retention champions in Tennessee this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include William Winfree (Legacy Home Loans, LLC, NMLS #639189), Michael Smalling (Legacy Home Loans, LLC, NMLS #383105), and Brandon Burks (FIRSTBANK, NMLS #653961).
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 | William Winfree | 639189 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $13.6M | 22 | 59.5% |
| #2 | Michael Smalling | 383105 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $11.2M | 21 | 63.6% |
| #3 | Brandon Burks | 653961 | FIRSTBANK | 472433 | Murfreesboro, TN | $9.1M | 17 | 54.8% |
| #4 | Pete Zaft | 470658 | Movement Mortgage, LLC | 39179 | Franklin, TN | $10.0M | 15 | 34.1% |
| #4 | Steffen Cushing | 938017 | OnPoint Mortgage, LLC | 2295358 | Nashville, TN | $8.9M | 15 | 93.8% |
| #6 | Sterling Smith | 1726806 | First Community Mortgage, Inc. | 629700 | Shelbyville, TN | $4.3M | 14 | 53.8% |
| #7 | Kevin Kenerson | 171733 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $4.5M | 13 | 43.3% |
| #7 | Gabe Whitmer | 1427791 | FIRSTBANK | 472433 | Chattanooga, TN | $4.3M | 13 | 43.3% |
| #9 | Dana Caserta | 1022629 | Legacy Home Loans, LLC | 1131833 | Brentwood, TN | $5.4M | 12 | 80.0% |
| #9 | Jane Perkins | 655745 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $3.9M | 12 | 66.7% |
| #9 | Michael Brown | 40332 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $7.5M | 12 | 29.3% |
| #9 | Brett Wilmer | 459970 | CrossCountry Mortgage, LLC | 3029 | Nashville, TN | $7.9M | 12 | 63.2% |
| #13 | Gregory Goodman | 461977 | SWBC Mortgage Corporation | 9741 | Franklin, TN | $4.0M | 11 | 55.0% |
| #13 | Christina Lane | 165216 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.8M | 11 | 33.3% |
| #15 | Karen Eglinton | 780370 | Bank of Perry County | 716527 | Hohenwald, TN | $2.1M | 10 | 90.9% |
| #15 | Christopher Haynes | 170397 | American Pacific Mortgage Corporation | 1850 | Mount Juliet, TN | $5.5M | 10 | 45.5% |
| #15 | Mark Rood | 1564850 | Modern Mortgage Lending, Inc. | 1865339 | Franklin, TN | $5.5M | 10 | 58.8% |
| #15 | KARIMULLA SHAIK | 2003419 | ENSURE HOME LOANS LLC | 1666674 | Lewisville, TX | $5.7M | 10 | 58.8% |
| #15 | John Phillips | 157875 | FIRSTBANK | 472433 | Fairview, TN | $4.2M | 10 | 55.6% |
| #15 | Armando SanMiguel | 180691 | Ameris Bank | 408099 | Franklin, TN | $3.9M | 10 | 20.8% |
| #21 | Kevin Little | 1073627 | Regions Bank | 174490 | Franklin, TN | $8.2M | 9 | 60.0% |
| #21 | Jennifer Butler | 590626 | FIRSTBANK | 472433 | Franklin, TN | $5.7M | 9 | 50.0% |
| #21 | Michael Dendy | 1632279 | Edge Home Finance, LLC | 891464 | Franklin, TN | $5.4M | 9 | 90.0% |
| #21 | ROSS PRIDDY | 1123578 | Leaders Credit Union | 402804 | Jackson, TN | $3.3M | 9 | 56.3% |
| #21 | Jessica Dillon | 841429 | Altra Federal Credit Union | 457287 | Clarksville, TN | $3.4M | 9 | 69.2% |
| #21 | Robert McWhirter | 874403 | Legacy Home Loans, LLC | 1131833 | Clarksville, TN | $3.4M | 9 | 50.0% |
| #21 | Michael Church | 186187 | Fairway Independent Mortgage Corporation | 2289 | Franklin, TN | $4.6M | 9 | 45.0% |
| #21 | Aimee Shell | 188129 | Lending Hand Mortgage LLC | 152227 | Madison, TN | $3.6M | 9 | 64.3% |
| #21 | Brandon Carter | 1408647 | Legacy Home Loans, LLC | 1131833 | Nashville, TN | $4.3M | 9 | 47.4% |
| #21 | Casey Neill | 207237 | Listerhill Credit Union | 439260 | Columbia, TN | $2.5M | 9 | 60.0% |
| #21 | JACQUE BOLER | 183770 | Consumer Credit Union | 410346 | Morristown, TN | $1.9M | 9 | 90.0% |
| #21 | Anna Cook | 957445 | CrossCountry Mortgage, LLC | 3029 | Hendersonville, TN | $4.8M | 9 | 47.4% |
| #21 | Shena Cole | 190967 | CMG Mortgage, Inc. | 1820 | Knoxville, TN | $3.8M | 9 | 69.2% |
| #21 | CHAD MCGEE | 546460 | Regions Bank | 174490 | Franklin, TN | $4.8M | 9 | 90.0% |
| #35 | Joshua Warren | 780411 | Bank of Perry County | 716527 | Linden, TN | $1.5M | 8 | 61.5% |
| #35 | Gregory DeMars | 384196 | Movement Mortgage, LLC | 39179 | Chattanooga, TN | $3.2M | 8 | 53.3% |
| #35 | Julia Wilson | 1106850 | FIRSTBANK | 472433 | Franklin, TN | $5.6M | 8 | 66.7% |
| #35 | Jared Prichard | 188233 | CrossCountry Mortgage, LLC | 3029 | Franklin, TN | $3.1M | 8 | 66.7% |
| #35 | Tim Smith | 104578 | CrossCountry Mortgage, LLC | 3029 | Memphis, TN | $2.7M | 8 | 72.7% |
| #35 | Taylor Bowers | 638611 | Legacy Home Loans, LLC | 1131833 | Mount Juliet, TN | $3.1M | 8 | 66.7% |
| #35 | Michael Ribas | 232275 | First Horizon Bank | 472329 | Nashville, TN | $7.4M | 8 | 80.0% |
| #42 | Brittany Clark | 1722825 | Guaranteed Rate, Inc. | 2611 | Clarksville, TN | $2.7M | 7 | 23.3% |
| #42 | William Watson | 590092 | Churchill Mortgage Corporation | 1591 | Brentwood, TN | $3.9M | 7 | 70.0% |
| #42 | George Nash | 476679 | Intercoastal Mortgage, LLC | 56323 | Bonita Springs, FL | $3.2M | 7 | 70.0% |
| #42 | Tracey Christy | 41982 | Fortera Federal Credit Union | 446858 | Clarksville, TN | $577K | 7 | 46.7% |
| #42 | Jamie Steelman | 186240 | CMG Mortgage, Inc. | 1820 | Murfreesboro, TN | $3.2M | 7 | 63.6% |
| #42 | daryl decosta | 686705 | FOUNTAIN CITY FUNDING, INC. | 133884 | Knoxville, TN | $2.2M | 7 | 33.3% |
| #42 | Cory Ramsey | 1985150 | Foundation Mortgage Company, LLC | 1387311 | Knoxville, TN | $3.7M | 7 | 41.2% |
| #42 | Ryan Welch | 1663458 | iServe Residential Lending, LLC | 2914 | Murfreesboro, TN | $3.0M | 7 | 41.2% |
| #42 | Stuart Clamp | 437068 | First Horizon Bank | 472329 | Brentwood, TN | $6.3M | 7 | 70.0% |