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 May 28, 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 | $13.5M | 23 | 62.2% |
| #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 | 42.5% |
| #5 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $7.4M | 14 | 87.5% |
| #6 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $7.8M | 12 | 38.7% |
| #6 | Ryan Prestwich | 179828 | Barrington Bank & Trust Company N.A. | 449042 | Virginia Beach, VA | $3.0M | 12 | 85.7% |
| #6 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $4.9M | 12 | 52.2% |
| #6 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $7.6M | 12 | 20.7% |
| #6 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $1.2M | 12 | 85.7% |
| #11 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.5M | 11 | 55.0% |
| #11 | Donald Gay | 148501 | Fairway Independent Mortgage Corporation | 2289 | — | $3.9M | 11 | 68.8% |
| #11 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $6.8M | 11 | 64.7% |
| #11 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.9M | 11 | 47.8% |
| #15 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $5.1M | 10 | 52.6% |
| #15 | Jessica Keen Furr | 230793 | Planet Home Lending, LLC | 17022 | Belmont, NC | $4.0M | 10 | 55.6% |
| #15 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $5.7M | 10 | 40.0% |
| #15 | Joseph Harris | 219004 | Bank of The James | 410452 | Forest, VA | $2.4M | 10 | 38.5% |
| #15 | Sandra Grimes | 283428 | America's Choice Mortgage Company, LLC | 1160641 | Fredericksburg, VA | $7.3M | 10 | 41.7% |
| #15 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $7.0M | 10 | 37.0% |
| #15 | James Loney | 1385540 | Sabal Mortgage, LLC | 2598466 | Virginia Beach, VA | $4.9M | 10 | 37.0% |
| #15 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $3.7M | 10 | 37.0% |
| #15 | Alexander Dykes | 1638497 | Guild Mortgage Company LLC | 3274 | Arlington, VA | $2.3M | 10 | 62.5% |
| #24 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $6.6M | 9 | 64.3% |
| #24 | Wendy Edde | 1200036 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $3.4M | 9 | 23.1% |
| #24 | Jeremy Berrios | 1108217 | Movement Mortgage, LLC | 39179 | Virginia Beach, VA | $3.9M | 9 | 69.2% |
| #24 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $3.5M | 9 | 75.0% |
| #24 | Troy Toureau | 5618 | Great North Bank | 410596 | Florence, WI | $4.2M | 9 | 39.1% |
| #24 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $3.4M | 9 | 52.9% |
| #24 | Kevin Warren | 261072 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $3.3M | 9 | 42.9% |
| #24 | Mitchell Scott | 370330 | Bank of The James | 410452 | Roanoke, VA | $2.5M | 9 | 47.4% |
| #24 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $5.1M | 9 | 45.0% |
| #24 | WILLIAM SIKORA | 207910 | COLONIAL MORTGAGE CAPITAL LLC | 1269868 | Reston, VA | $4.2M | 9 | 52.9% |
| #34 | William Nunemaker | 69365 | Neighborhood Lender, Inc. | 69349 | Columbus, OH | $1.2M | 8 | 57.1% |
| #34 | JESUS VASQUEZ-ROSALINO | 205447 | SI Mortgage Company | 68434 | Sterling Heights, MI | $2.2M | 8 | 42.1% |
| #34 | KIMBERLY BASYE | 733000 | Henrico Federal Credit Union | 779821 | Henrico, VA | $491K | 8 | 66.7% |
| #34 | Mya Tran-Harter | 248295 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.0M | 8 | 66.7% |
| #34 | Derek Evans | 482600 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Midlothian, VA | $2.8M | 8 | 25.0% |
| #34 | Nicholas Framarini | 1390052 | Mortgagestar, LLC | 1833025 | North Bethesda, MD | $4.7M | 8 | 61.5% |
| #34 | Stacey Seim | 116909 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Virginia Beach, VA | $2.7M | 8 | 29.6% |
| #34 | Blane Stewart | 296029 | NFM Lending, LLC | 2893 | Orange, VA | $2.6M | 8 | 34.8% |
| #34 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $4.7M | 8 | 50.0% |
| #43 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $6.5M | 7 | 70.0% |
| #43 | Lance Brenner | 301819 | SWBC Mortgage Corporation | 9741 | Roanoke, VA | $2.1M | 7 | 58.3% |
| #43 | William Bufis | 1405934 | Advance Financial Group, LLC | 1611080 | Norfolk, VA | $3.9M | 7 | 30.4% |
| #43 | SCOTT SAGAR | 70434 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Yorktown, VA | $2.3M | 7 | 50.0% |
| #43 | Philip McKenney | 617986 | CMG Mortgage, Inc. | 1820 | North Chesterfield, VA | $2.8M | 7 | 25.9% |
| #43 | Zachary Grimes | 1493230 | America's Choice Mortgage Company, LLC | 1160641 | Fredericksburg, VA | $3.8M | 7 | 70.0% |
| #43 | Harry Basnight | 1428692 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $2.8M | 7 | 58.3% |
| #43 | Jeremy Krupnick | 298409 | Southern Trust Mortgage, LLC | 2921 | Virginia Beach, VA | $2.7M | 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 Loan Count — Virginia (2024). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2024
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