Retention champions in Virginia in 2024, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Andrew Zemon (Ixonia Bank, NMLS #208916), Tanner Mulvihill (BAYFIELD HOME LOANS, LLC, NMLS #276814), and Sharon Francum (Atlantic Bay Mortgage Group, L.L.C., NMLS #447959).
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 | Andrew Zemon | 208916 | Ixonia Bank | 423065 | Brookfield, WI | $13.9M | 24 | 63.2% |
| #2 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $8.4M | 20 | 87.0% |
| #3 | Sharon Francum | 447959 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Yorktown, VA | $6.9M | 19 | 38.0% |
| #4 | Joseph Dunn | 160856 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Glen Allen, VA | $5.0M | 17 | 43.6% |
| #5 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $7.4M | 14 | 87.5% |
| #6 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $1.4M | 13 | 86.7% |
| #7 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $7.8M | 12 | 38.7% |
| #7 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $7.6M | 12 | 20.7% |
| #7 | Ryan Prestwich | 179828 | Barrington Bank & Trust Company N.A. | 449042 | Virginia Beach, VA | $3.0M | 12 | 85.7% |
| #7 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $4.9M | 12 | 52.2% |
| #11 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.9M | 11 | 50.0% |
| #11 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.5M | 11 | 55.0% |
| #11 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $6.8M | 11 | 64.7% |
| #11 | Donald Gay | 148501 | Fairway Independent Mortgage Corporation | 2289 | — | $3.9M | 11 | 68.8% |
| #11 | Sandra Grimes | 283428 | America's Choice Mortgage Company, LLC | 1160641 | Fredericksburg, VA | $7.7M | 11 | 44.0% |
| #16 | Joseph Harris | 219004 | Bank of The James | 410452 | Forest, VA | $2.4M | 10 | 38.5% |
| #16 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $3.4M | 10 | 90.9% |
| #16 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $3.7M | 10 | 37.0% |
| #16 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $5.1M | 10 | 52.6% |
| #16 | Jessica Keen Furr | 230793 | Planet Home Lending, LLC | 17022 | Belmont, NC | $4.0M | 10 | 52.6% |
| #16 | James Loney | 1385540 | Sabal Mortgage, LLC | 2598466 | Virginia Beach, VA | $4.9M | 10 | 37.0% |
| #16 | Alexander Dykes | 1638497 | Guild Mortgage Company LLC | 3274 | Arlington, VA | $2.3M | 10 | 62.5% |
| #16 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $5.7M | 10 | 40.0% |
| #16 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $7.0M | 10 | 37.0% |
| #25 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $3.5M | 9 | 75.0% |
| #25 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $6.1M | 9 | 90.0% |
| #25 | Troy Toureau | 5618 | Great North Bank | 410596 | Florence, WI | $4.2M | 9 | 39.1% |
| #25 | Jeremy Berrios | 1108217 | Movement Mortgage, LLC | 39179 | Virginia Beach, VA | $3.9M | 9 | 69.2% |
| #25 | Kevin Warren | 261072 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $3.3M | 9 | 42.9% |
| #25 | WILLIAM SIKORA | 207910 | COLONIAL MORTGAGE CAPITAL LLC | 1269868 | Reston, VA | $4.2M | 9 | 52.9% |
| #25 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $6.6M | 9 | 64.3% |
| #25 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $3.4M | 9 | 52.9% |
| #25 | Wendy Edde | 1200036 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $3.4M | 9 | 23.1% |
| #25 | Mitchell Scott | 370330 | Bank of The James | 410452 | Roanoke, VA | $2.5M | 9 | 47.4% |
| #25 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $5.1M | 9 | 45.0% |
| #36 | Jeremy Krupnick | 298409 | Southern Trust Mortgage, LLC | 2921 | Virginia Beach, VA | $3.3M | 8 | 57.1% |
| #36 | William Nunemaker | 69365 | Neighborhood Lender, Inc. | 69349 | Columbus, OH | $1.2M | 8 | 57.1% |
| #36 | Nicholas Framarini | 1390052 | Mortgagestar, LLC | 1833025 | North Bethesda, MD | $4.7M | 8 | 61.5% |
| #36 | KIMBERLY BASYE | 733000 | Henrico Federal Credit Union | 779821 | Henrico, VA | $491K | 8 | 66.7% |
| #36 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $7.4M | 8 | 80.0% |
| #36 | Bruce Burner | 268778 | Ark-La-Tex Financial Services, LLC | 2143 | Woodstock, VA | $4.7M | 8 | 57.1% |
| #36 | Stacey Seim | 116909 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Virginia Beach, VA | $2.7M | 8 | 30.8% |
| #36 | Mya Tran-Harter | 248295 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.0M | 8 | 66.7% |
| #36 | Blane Stewart | 296029 | NFM Lending, LLC | 2893 | Orange, VA | $2.6M | 8 | 34.8% |
| #36 | JESUS VASQUEZ-ROSALINO | 205447 | SI Mortgage Company | 68434 | Sterling Heights, MI | $2.2M | 8 | 42.1% |
| #36 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $4.7M | 8 | 50.0% |
| #36 | Derek Evans | 482600 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Midlothian, VA | $2.8M | 8 | 25.0% |
| #48 | Jawad Hamandi | 391282 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $5.3M | 7 | 43.8% |
| #48 | William Lowden | 1469757 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Virginia Beach, VA | $2.4M | 7 | 38.9% |
| #48 | Lance Brenner | 301819 | SWBC Mortgage Corporation | 9741 | Roanoke, VA | $2.1M | 7 | 58.3% |
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 Loan Count — Virginia (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2024
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