Retention champions in Virginia in 2025, 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 Reginald Maddox (Atlantic Bay Mortgage Group, L.L.C., NMLS #1072553), Michael Sanchez (Guaranteed Rate, Inc., NMLS #860048), and Patrick Holland (Embrace Home Loans, Inc., NMLS #179158).
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 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $28.0M | 40 | 38.1% |
| #2 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $15.3M | 24 | 45.3% |
| #2 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $16.4M | 24 | 52.2% |
| #2 | SALEEM KHAN | 201464 | SAI Mortgage Inc. | 179997 | Vienna, VA | $12.9M | 24 | 68.6% |
| #5 | Andrew Zemon | 208916 | Ixonia Bank | 423065 | Brookfield, WI | $12.2M | 23 | 48.9% |
| #5 | Bradley Stevenson | 293018 | Prosperity Home Mortgage, LLC | 75164 | Williamsburg, VA | $8.4M | 23 | 37.7% |
| #7 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $10.1M | 22 | 73.3% |
| #8 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $3.1M | 20 | 71.4% |
| #8 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $9.6M | 20 | 64.5% |
| #8 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $10.6M | 20 | 46.5% |
| #8 | Sukhsagar Singh | 1949921 | A MONEY MATTER MORTGAGE INC. | 187404 | Vienna, VA | $10.6M | 20 | 57.1% |
| #8 | Manohar Malhotra | 186031 | Sunrise Mortgage Inc. | 2173142 | Lorton, VA | $12.0M | 20 | 60.6% |
| #8 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.7M | 20 | 90.9% |
| #14 | Kathryn Hickey | 659429 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $11.3M | 19 | 54.3% |
| #14 | Wayne Donne | 1249544 | Triangle Lending Group, Inc. | 64446 | Raleigh, NC | $7.9M | 19 | 90.5% |
| #16 | Wendy Edde | 1200036 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $5.9M | 17 | 33.3% |
| #16 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $9.6M | 17 | 70.8% |
| #18 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $9.6M | 16 | 72.7% |
| #18 | Jolene Moore | 448601 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $7.8M | 16 | 40.0% |
| #20 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.4M | 15 | 35.7% |
| #20 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $13.1M | 15 | 48.4% |
| #20 | Alison Schellenberg | 759461 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $5.6M | 15 | 29.4% |
| #23 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $9.4M | 14 | 42.4% |
| #23 | Kelly Cordero | 259580 | CrossCountry Mortgage, LLC | 3029 | Virginia Beach, VA | $5.5M | 14 | 26.9% |
| #23 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $4.3M | 14 | 77.8% |
| #23 | William Bradford | 661859 | University of Virginia Community Credit Union, Inc. | 302946 | Charlottesville, VA | $5.1M | 14 | 53.8% |
| #23 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.9M | 14 | 45.2% |
| #23 | Andrew Charron | 393645 | Planet Home Lending, LLC | 17022 | Columbia, MD | $6.1M | 14 | 70.0% |
| #23 | Allison Davis | 222187 | United Bank | 522399 | Mechanicsville, VA | $5.7M | 14 | 28.6% |
| #30 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $8.0M | 13 | 65.0% |
| #30 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.8M | 13 | 38.2% |
| #30 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $8.8M | 13 | 36.1% |
| #30 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $5.5M | 13 | 37.1% |
| #30 | Chintan Shah | 2476200 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $7.1M | 13 | 81.3% |
| #30 | Joshua Gravitt | 2112268 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $5.8M | 13 | 44.8% |
| #30 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $5.1M | 13 | 33.3% |
| #30 | Kevin Retcher | 116922 | First Meridian Mortgage Corporation | 180004 | Alexandria, VA | $9.1M | 13 | 65.0% |
| #30 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $7.3M | 13 | 81.3% |
| #30 | Joshua Rowland | 223319 | FIRST RESIDENTIAL MORTGAGE CORPORATION | 277684 | Marion, VA | $2.7M | 13 | 56.5% |
| #40 | Joshua Burruss | 181603 | Better Mortgage Corporation | 330511 | New York, NY | $11.8M | 12 | 42.9% |
| #40 | James Walrod | 260324 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $4.2M | 12 | 35.3% |
| #40 | Philip McKenney | 617986 | CMG Mortgage, Inc. | 1820 | North Chesterfield, VA | $3.4M | 12 | 32.4% |
| #40 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $10.1M | 12 | 57.1% |
| #40 | Edward Fritts | 325650 | Fairway Independent Mortgage Corporation | 2289 | Midlothian, VA | $7.6M | 12 | 60.0% |
| #40 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $4.8M | 12 | 70.6% |
| #40 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $10.3M | 12 | 70.6% |
| #40 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.5M | 12 | 85.7% |
| #48 | Jonathan Jenkins | 277971 | Gray Fox Mortgage, LLC | 2511214 | Charlottesville, VA | $4.3M | 11 | 61.1% |
| #48 | Melissa Cabral | 464553 | Fairway Independent Mortgage Corporation | 2289 | Arlington, VA | $7.2M | 11 | 78.6% |
| #48 | Brian Lacey | 13008 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $4.8M | 11 | 33.3% |
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 (2025). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2025
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