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 October 11, 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 | 64.9% |
| #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 | PRESIDENTIAL BANK, FSB | 421593 | Richmond, VA | $5.0M | 17 | 43.6% |
| #5 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $7.4M | 14 | 87.5% |
| #6 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $7.8M | 12 | 38.7% |
| #6 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $1.2M | 12 | 85.7% |
| #6 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $4.9M | 12 | 52.2% |
| #6 | Ryan Prestwich | 179828 | Barrington Bank & Trust Company N.A. | 449042 | Virginia Beach, VA | $3.0M | 12 | 85.7% |
| #6 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $7.6M | 12 | 20.7% |
| #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 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.9M | 11 | 47.8% |
| #11 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.5M | 11 | 55.0% |
| #15 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $5.7M | 10 | 40.0% |
| #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% |
| #15 | Joseph Harris | 219004 | Bank of The James | 410452 | Forest, VA | $2.4M | 10 | 38.5% |
| #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 | 52.6% |
| #15 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $7.0M | 10 | 37.0% |
| #15 | Sandra Grimes | 283428 | America's Choice Mortgage Company, LLC | 1160641 | Fredericksburg, VA | $7.3M | 10 | 41.7% |
| #24 | Wendy Edde | 1200036 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $3.4M | 9 | 23.1% |
| #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 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $3.1M | 9 | 90.0% |
| #24 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $5.1M | 9 | 47.4% |
| #24 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $3.4M | 9 | 52.9% |
| #24 | Jeremy Berrios | 1108217 | Movement Mortgage, LLC | 39179 | Virginia Beach, VA | $3.9M | 9 | 69.2% |
| #24 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $6.6M | 9 | 64.3% |
| #24 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $3.5M | 9 | 75.0% |
| #24 | WILLIAM SIKORA | 207910 | COLONIAL MORTGAGE CAPITAL LLC | 1269868 | Reston, VA | $4.2M | 9 | 52.9% |
| #24 | Troy Toureau | 5618 | Great North Bank | 410596 | Florence, WI | $4.2M | 9 | 39.1% |
| #35 | William Nunemaker | 69365 | Neighborhood Lender, Inc. | 69349 | Columbus, OH | $1.2M | 8 | 57.1% |
| #35 | KIMBERLY BASYE | 733000 | Henrico Federal Credit Union | 779821 | Henrico, VA | $491K | 8 | 66.7% |
| #35 | Stacey Seim | 116909 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Virginia Beach, VA | $2.7M | 8 | 29.6% |
| #35 | Mya Tran-Harter | 248295 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.0M | 8 | 66.7% |
| #35 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $4.7M | 8 | 50.0% |
| #35 | JESUS VASQUEZ-ROSALINO | 205447 | SI Mortgage Company | 68434 | — | $2.2M | 8 | 42.1% |
| #35 | Derek Evans | 482600 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Midlothian, VA | $2.8M | 8 | 25.0% |
| #35 | Blane Stewart | 296029 | NFM Lending, LLC | 2893 | Orange, VA | $2.6M | 8 | 34.8% |
| #35 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $7.4M | 8 | 80.0% |
| #35 | Nicholas Framarini | 1390052 | Mortgagestar, LLC | 1833025 | North Bethesda, MD | $4.7M | 8 | 61.5% |
| #45 | Sherri Richman | 187108 | First Savings Mortgage Corporation | 38694 | McLean, VA | $6.9M | 7 | 70.0% |
| #45 | Michael Schumacher | 177344 | Atlantic Coast Mortgage, LLC | 643114 | Gainesville, VA | $2.2M | 7 | 53.8% |
| #45 | SCOTT SAGAR | 70434 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Yorktown, VA | $2.3M | 7 | 50.0% |
| #45 | Lance Brenner | 301819 | SWBC Mortgage Corporation | 9741 | Roanoke, VA | $2.1M | 7 | 58.3% |
| #45 | William Lowden | 1469757 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Virginia Beach, VA | $2.4M | 7 | 38.9% |
| #45 | 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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2024
Powered by ChatMMI