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 October 11, 2026, the top 3 include Reginald Maddox (Atlantic Bay Mortgage Group, L.L.C., NMLS #1072553), Patrick Holland (Embrace Home Loans, Inc., NMLS #179158), and SALEEM KHAN (SAI Mortgage Inc., NMLS #201464).
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 | 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% |
| #2 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $15.3M | 24 | 45.3% |
| #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% |
| #5 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $10.5M | 23 | 76.7% |
| #8 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $3.3M | 22 | 71.0% |
| #9 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $11.2M | 21 | 48.8% |
| #10 | Manohar Malhotra | 186031 | Sunrise Mortgage Inc. | 2173142 | Lorton, VA | $12.0M | 20 | 60.6% |
| #10 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $9.6M | 20 | 64.5% |
| #10 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.7M | 20 | 90.9% |
| #10 | Sukhsagar Singh | 1949921 | A MONEY MATTER MORTGAGE INC. | 187404 | Vienna, VA | $10.6M | 20 | 57.1% |
| #14 | Kathryn Hickey | 659429 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $11.3M | 19 | 52.8% |
| #14 | Wayne Donne | 1249544 | Triangle Lending Group, Inc. | 64446 | Raleigh, NC | $7.9M | 19 | 90.5% |
| #16 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $9.6M | 17 | 70.8% |
| #16 | Wendy Edde | 1200036 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $5.9M | 17 | 33.3% |
| #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 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $13.1M | 15 | 48.4% |
| #20 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.4M | 15 | 35.7% |
| #20 | Alison Schellenberg | 759461 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $5.6M | 15 | 29.4% |
| #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 | 29.2% |
| #23 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $9.4M | 14 | 41.2% |
| #23 | William Bradford | 661859 | University of Virginia Community Credit Union, Inc. | 302946 | Charlottesville, VA | $5.1M | 14 | 53.8% |
| #23 | Kelly Cordero | 259580 | CrossCountry Mortgage, LLC | 3029 | Virginia Beach, VA | $5.5M | 14 | 26.9% |
| #23 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $6.9M | 14 | 45.2% |
| #23 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $4.3M | 14 | 77.8% |
| #30 | Kevin Retcher | 116922 | First Meridian Mortgage Corporation | 180004 | Alexandria, VA | $9.1M | 13 | 65.0% |
| #30 | Joshua Burruss | 181603 | Better Mortgage Corporation | 330511 | Fairfax, VA | $12.4M | 13 | 46.4% |
| #30 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $8.8M | 13 | 36.1% |
| #30 | Joshua Rowland | 223319 | FIRST RESIDENTIAL MORTGAGE CORPORATION | 277684 | Marion, VA | $2.7M | 13 | 56.5% |
| #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 | 46.4% |
| #30 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $5.1M | 13 | 33.3% |
| #30 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $5.5M | 13 | 37.1% |
| #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 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $7.3M | 13 | 81.3% |
| #41 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $4.8M | 12 | 70.6% |
| #41 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $10.3M | 12 | 70.6% |
| #41 | James Walrod | 260324 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $4.2M | 12 | 35.3% |
| #41 | Edward Fritts | 325650 | Fairway Independent Mortgage Corporation | 2289 | Midlothian, VA | $7.6M | 12 | 60.0% |
| #41 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.5M | 12 | 85.7% |
| #41 | Philip McKenney | 617986 | CMG Mortgage, Inc. | 1820 | North Chesterfield, VA | $3.4M | 12 | 32.4% |
| #41 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $10.1M | 12 | 57.1% |
| #41 | Ronald Silverstein | 1445513 | Guild Mortgage Company LLC | 3274 | Midlothian, VA | $7.6M | 12 | 46.2% |
| #49 | Philip d'Oronzio | 283301 | Pilot Mortgage, LLC | 246545 | Charlottesville, VA | $5.8M | 11 | 73.3% |
| #49 | 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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2025
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