---
title: "Mortgage Market Intel #27 - Agent Loyalty Index by State: Where Do Realtors Have the Strongest Mortgage Lender Relationships?"
description: Mortgage industry analysis of loan officer attrition, recovery trends, and when LOs switch companies, with month-by-month data and 2025 insights.
image: https://mortgagemarketintelligence.net/hubfs/RETR-Newsletter-27-Agent-Loyalty-Index-by-State.png
---

 Jul 6, 2026 7:00:00 AM

# Mortgage Market Intel #27 - Agent Loyalty Index by State: Where Do Realtors Have the Strongest Mortgage Lender Relationships?

![Picture of Steven Wynands](https://mortgagemarketintelligence.net/hs-fs/hubfs/headshot.png?width=50&name=headshot.png) [ Steven Wynands ](https://mortgagemarketintelligence.net/author/steven-wynands)

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### Market Movers

Last week, 266** **originators switched companies and **1,823 **individuals obtained their NMLS license. Notable originator movements last week include:

- [Venkata Rajaneesh Jandhyam](https://retr.app/LoanOfficer/Profile/171401) ($118.7M, 206 units) joined [TRI VALLEY HOME LOANS LLC](https://retr.app/LoanOfficer/OfficeProfile/2114972?type=parent)
- [Sreedhar Seelam](https://retr.app/LoanOfficer/Profile/343102) ($111.4M, 187 units) joined [TRI VALLEY HOME LOANS LLC](https://retr.app/LoanOfficer/OfficeProfile/2114972?type=parent)
- [Ryan Stambaugh](https://retr.app/LoanOfficer/Profile/21541) ($90.8M, 198 units) joined [Union Home Mortgage Corp.](https://retr.app/LoanOfficer/OfficeProfile/2229?type=parent)
- [Andrew Russell](https://retr.app/LoanOfficer/Profile/136403) ($71.1M, 122 units) joined [CrossCountry Mortgage, LLC](https://retr.app/LoanOfficer/OfficeProfile/3029?type=parent)
- [Robert Yusupov](https://retr.app/LoanOfficer/Profile/153904) ($70.3M, 83 units) joined [CrossCountry Mortgage, LLC](https://retr.app/LoanOfficer/OfficeProfile/3029?type=parent)
- [Mitchell Tucker](https://retr.app/LoanOfficer/Profile/171906) ($46.5M, 152 units) joined [Edge Home Finance, LLC](https://retr.app/LoanOfficer/OfficeProfile/891464?type=parent)
- [Ivy Seto](https://retr.app/LoanOfficer/Profile/9694) ($45.8M, 150 units) joined [General Mortgage Capital Corporation](https://retr.app/LoanOfficer/OfficeProfile/254895?type=parent)
- [Kelly Cordero](https://retr.app/LoanOfficer/Profile/207686) ($45.6M, 122 units) joined [CrossCountry Mortgage, LLC](https://retr.app/LoanOfficer/OfficeProfile/3029?type=parent)
- [Sam Hardy](https://retr.app/LoanOfficer/Profile/199668) ($43.6M, 126 units) joined [Union Home Mortgage Corp.](https://retr.app/LoanOfficer/OfficeProfile/2229?type=parent)
- [Mohammed Shamsudin](https://retr.app/LoanOfficer/Profile/116887) ($43.1M, 73 units) joined [Rate](https://retr.app/LoanOfficer/OfficeProfile/2611?type=parent)
- [Blake Sparks Garner](https://retr.app/LoanOfficer/Profile/172627) ($42M, 99 units) joined [West Capital Lending, Inc.](https://retr.app/LoanOfficer/OfficeProfile/1566096?type=parent)
- [Amy Mcrae](https://retr.app/LoanOfficer/Profile/194841) ($40.7M, 76 units) joined [Alcova Mortgage LLC](https://retr.app/LoanOfficer/OfficeProfile/40508?type=parent)
- [Kalliope Orlando](https://retr.app/LoanOfficer/Profile/196271) ($38.4M, 106 units) joined [NewRez LLC](https://retr.app/LoanOfficer/OfficeProfile/3013?type=parent)
- [John Hall](https://retr.app/LoanOfficer/Profile/1182506) ($37.2M, 144 units) joined [Mutual of Omaha Mortgage, Inc.](https://retr.app/LoanOfficer/OfficeProfile/1025894?type=parent)

Figures are based on last 14 months’ production.

### Market Movers (Gainers by Producer Volume)

Top Gainers (non-Bank/CU):

1. [Peak Residential Lending Inc](https://retr.app/LoanOfficer/OfficeProfile/2433973?type=parent) +11.09%
2. [Northern Mortgage](https://retr.app/LoanOfficer/OfficeProfile/130662?type=parent) +5.67%
3. [Hometown Lending Inc](https://retr.app/LoanOfficer/OfficeProfile/2712965?type=parent) +4.59%
4. [Compass Mortgage, Inc.](https://retr.app/LoanOfficer/OfficeProfile/21808?type=parent) +3.28%
5. [RenoFi](https://retr.app/LoanOfficer/OfficeProfile/1802847?type=parent) +2.83%
6. [Ladera Lending, Inc.](https://retr.app/LoanOfficer/OfficeProfile/835555?type=parent) +2%
7. [GMFS LLC](https://retr.app/LoanOfficer/OfficeProfile/64997?type=parent) +1.93%
8. [US Mortgage Corporation](https://retr.app/LoanOfficer/OfficeProfile/3901?type=parent) +1.7%
9. [Alcova Mortgage LLC](https://retr.app/LoanOfficer/OfficeProfile/40508?type=parent) +1.66%
10. [HomeFi Corp](https://retr.app/LoanOfficer/OfficeProfile/1804455?type=parent) +1.56%

Calculations based on last aggregate production of individual LO’s 14 months’ production. Excludes companies below $100M in 14mo LO production value after gains factored in.

 

![RETR-Newsletter-27-Agent-Loyalty-Index-by-State](https://mortgagemarketintelligence.net/hs-fs/hubfs/RETR-Newsletter-27-Agent-Loyalty-Index-by-State.png?width=652&height=652&name=RETR-Newsletter-27-Agent-Loyalty-Index-by-State.png)

### Agent Loyalty Index by State: Where Do Realtors Have the Strongest Mortgage Lender Relationships?**  **

[Last week](https://mortgagemarketintelligence.net/mortgage-market-intel-26-introducing-the-agent-loyalty-index-a-new-way-to-measure-realtor-relationships), we introduced the **Agent Loyalty Index (ALI)**—a new metric designed to measure how consistently a real estate agent works with the same mortgage lender versus distributing business across multiple lending partners.

The response raised an obvious follow-up question:

**Does Realtor loyalty vary by state?**

The answer is yes.

Real estate has always been a local business. Housing markets differ. Brokerage models differ. Competition differs. It stands to reason that **mortgage lender relationships** differ as well.

This week, we analyzed the **Agent Loyalty Index by state** to establish the first nationwide geographic benchmarks for Realtor loyalty.

**What Is the Agent Loyalty Index?**

The **Agent Loyalty Index (ALI)** measures how concentrated a real estate agent's mortgage lending relationships are.

It is scored on a **0–10 scale**:

A **higher ALI** indicates more concentrated lender relationships. A **lower ALI** indicates business is spread across a broader group of lending partners.

Neither is inherently better. The Agent Loyalty Index simply measures **how Realtor relationships are distributed.**

**Agent Loyalty Index Rankings by State**

Below are the current average **Agent Loyalty Index (ALI)** scores across all 50 states and the District of Columbia.

| **Rank** | **State** | **Avg. Agent Loyalty Index** |
| --- | --- | --- |
| **1** | Hawaii | **5.64** |
| **2** | Nevada | **5.54** |
| **3** | Utah | **5.49** |
| **4** | Pennsylvania | **5.47** |
| **5** | California | **5.39** |
| **6** | Maryland | **5.39** |
| **7** | Virginia | **5.38** |
| **8** | Arizona | **5.35** |
| **9** | Delaware | **5.30** |
| **10** | Rhode Island | **5.28** |
| 11 | Connecticut | 5.21 |
| 12 | Idaho | 5.19 |
| 13 | Florida | 5.16 |
| 14 | Louisiana | 5.14 |
| 15 | Colorado | 5.13 |
| 16 | Georgia | 5.12 |
| 17 | Kansas | 5.12 |
| 18 | Missouri | 5.12 |
| 19 | Washington | 5.12 |
| 20 | New Mexico | 5.10 |
| 21 | New Jersey | 5.09 |
| 22 | Illinois | 5.08 |
| 23 | Wyoming | 5.07 |
| 24 | Alaska | 5.03 |
| 25 | Massachusetts | 5.02 |
| 26 | District of Columbia | 5.00 |
| 27 | Oklahoma | 5.00 |
| 28 | Minnesota | 4.98 |
| 29 | Michigan | 4.96 |
| 30 | Tennessee | 4.95 |
| 31 | New York | 4.92 |
| 32 | New Hampshire | 4.91 |
| 33 | Oregon | 4.88 |
| 34 | Texas | 4.88 |
| 35 | Indiana | 4.83 |
| 36 | Ohio | 4.82 |
| 37 | South Dakota | 4.82 |
| 38 | Maine | 4.79 |
| 39 | Kentucky | 4.72 |
| 40 | Mississippi | 4.72 |
| 41 | Alabama | 4.67 |
| 42 | Montana | 4.64 |
| 43 | Vermont | 4.60 |
| 44 | Arkansas | 4.53 |
| 45 | North Carolina | 4.50 |
| 46 | South Carolina | 4.46 |
| 47 | Nebraska | 4.45 |
| 48 | West Virginia | 4.35 |
| 49 | Iowa | 4.32 |
| 50 | Wisconsin | 4.24 |
| 51 | North Dakota | 4.11 |

**What the State Rankings Tell Us**

The difference between **Hawaii's average ALI of 5.64** and **North Dakota's 4.11** is significant.

Markets with higher Agent Loyalty Index scores generally exhibit more concentrated mortgage lender relationships. Realtors in those markets are more likely to work consistently with a smaller group of preferred lending partners.

Markets with lower ALI scores tend to have more diversified lending relationships, where business is spread across a broader mix of lenders.

That doesn't mean one market is "better" than another.

It means the **competitive dynamics are different.**

A loan officer prospecting in a high-ALI market may need to displace well-established lending relationships. In a lower-ALI market, Realtors may already be accustomed to working with multiple lenders, creating a different type of opportunity.

The Agent Loyalty Index provides context that production alone cannot.

**Why This Matters for Mortgage Sales**

For mortgage executives, branch managers, and producing loan officers, understanding **where Realtor relationships are concentrated** can influence recruiting, market expansion, partnership strategy, and sales expectations.

The Agent Loyalty Index adds a new dimension to mortgage sales intelligence by helping quantify the relationship dynamics behind Realtor production.

**Next Week: Even More Local**

State-level benchmarks are only the beginning.

Real estate doesn't compete at the state level—it competes neighborhood by neighborhood and city by city.

Next week, we'll take the **Agent Loyalty Index** one step further by examining **Metropolitan Statistical Areas (MSAs)** to identify where Realtor loyalty is strongest at the local market level.

Because understanding **who produces business** is valuable.

Understanding **how Realtor relationships vary from one market to the next** may be even more valuable.

### Upcoming RETR Training

- - Mon, July 6 @ 2p ET - Intro to RETR: The Modern Loan Officer’s Data Advantage [Register](https://intro.retr.com/) 
    -  **Wed, July 8 @ 1p ET - Relationship Management for Loan Officers: RETR's New Agent Loyalty Index and more [Register](https://us02web.zoom.us/meeting/register/idNUjsRSTdOk71gD-SLXcA) ** 
  Note: Full training calendar is available at [https://training.retr.com](https://training.retr.com)

### Is RETR Better?

When it comes to mortgage market intelligence, you have a handful of options, and RETR is one that truly stands out. Here’s what **Christine Atkinson**, Top Producer at **Columbine Mortgage**** **has to say about RETR: “RETR provides a great deal of insight and more. It is a key tool I rely on every day.”

![RETR Newsletter-27-Agent Loyalty Index by State-3_User Testimonial - Christine Atkinson](https://mortgagemarketintelligence.net/hs-fs/hubfs/RETR%20Newsletter-27-Agent%20Loyalty%20Index%20by%20State-3_User%20Testimonial%20-%20Christine%20Atkinson.png?width=594&height=594&name=RETR%20Newsletter-27-Agent%20Loyalty%20Index%20by%20State-3_User%20Testimonial%20-%20Christine%20Atkinson.png)

 But you don’t have to take their word for it. RETR offers a [free trial](https://retr.app) to individuals and organizations to judge the quality of the data and insights for themselves. 

 

 

 

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