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 August 27, 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 | 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 | 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 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $1.2M | 12 | 85.7% |
| #11 | Donald Gay | 148501 | Fairway Independent Mortgage Corporation | 2289 | — | $3.9M | 11 | 68.8% |
| #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 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.9M | 11 | 50.0% |
| #15 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $3.7M | 10 | 37.0% |
| #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 | James Loney | 1385540 | Sabal Mortgage, LLC | 2598466 | Virginia Beach, VA | $4.9M | 10 | 37.0% |
| #15 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $5.7M | 10 | 40.0% |
| #15 | Jessica Keen Furr | 230793 | Planet Home Lending, LLC | 17022 | Belmont, NC | $4.0M | 10 | 52.6% |
| #15 | Alexander Dykes | 1638497 | Guild Mortgage Company LLC | 3274 | Arlington, VA | $2.3M | 10 | 62.5% |
| #15 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $7.0M | 10 | 37.0% |
| #15 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $5.1M | 10 | 52.6% |
| #24 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $3.4M | 9 | 52.9% |
| #24 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $6.1M | 9 | 90.0% |
| #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 | Mitchell Scott | 370330 | Bank of The James | 410452 | Roanoke, VA | $2.5M | 9 | 47.4% |
| #24 | Troy Toureau | 5618 | Great North Bank | 410596 | Florence, WI | $4.2M | 9 | 39.1% |
| #24 | WILLIAM SIKORA | 207910 | COLONIAL MORTGAGE CAPITAL LLC | 1269868 | Reston, VA | $4.2M | 9 | 52.9% |
| #24 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $5.1M | 9 | 45.0% |
| #24 | Kevin Warren | 261072 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $3.3M | 9 | 42.9% |
| #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% |
| #35 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $7.4M | 8 | 80.0% |
| #35 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $4.7M | 8 | 50.0% |
| #35 | Mya Tran-Harter | 248295 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.0M | 8 | 66.7% |
| #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 | JESUS VASQUEZ-ROSALINO | 205447 | SI Mortgage Company | 68434 | Sterling Heights, MI | $2.2M | 8 | 42.1% |
| #35 | Blane Stewart | 296029 | NFM Lending, LLC | 2893 | Orange, VA | $2.6M | 8 | 34.8% |
| #35 | Derek Evans | 482600 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Midlothian, VA | $2.8M | 8 | 25.0% |
| #35 | Nicholas Framarini | 1390052 | Mortgagestar, LLC | 1833025 | North Bethesda, MD | $4.7M | 8 | 61.5% |
| #35 | Stacey Seim | 116909 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Virginia Beach, VA | $2.7M | 8 | 29.6% |
| #45 | William Lowden | 1469757 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Virginia Beach, VA | $2.4M | 7 | 38.9% |
| #45 | Patrick Cunningham | 192864 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $3.1M | 7 | 46.7% |
| #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 | Leslie Griffin | 804784 | Bank of Botetourt | 476841 | Daleville, VA | $1.8M | 7 | 70.0% |
| #45 | 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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2024
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