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 July 13, 2026, the top 3 include Reginald Maddox (Atlantic Bay Mortgage Group, L.L.C., NMLS #1072553), SALEEM KHAN (SAI Mortgage Inc., NMLS #201464), 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 | 38.5% |
| #2 | SALEEM KHAN | 201464 | SAI Mortgage Inc. | 179997 | Vienna, VA | $12.9M | 24 | 68.6% |
| #2 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $16.4M | 24 | 52.2% |
| #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 | 38.3% |
| #7 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $3.3M | 22 | 68.8% |
| #7 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $10.1M | 22 | 73.3% |
| #9 | Sukhsagar Singh | 1949921 | A MONEY MATTER MORTGAGE INC. | 187404 | Vienna, VA | $10.6M | 20 | 57.1% |
| #9 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $10.6M | 20 | 46.5% |
| #9 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $9.6M | 20 | 64.5% |
| #9 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.7M | 20 | 90.9% |
| #13 | Kathryn Hickey | 659429 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $11.3M | 19 | 52.8% |
| #13 | Manohar Malhotra | 186031 | Sunrise Mortgage Inc. | 2173142 | Lorton, VA | $11.5M | 19 | 57.6% |
| #13 | 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 | Kelly Cordero | 259580 | CrossCountry Mortgage, LLC | 3029 | Chesapeake, VA | $5.5M | 14 | 26.9% |
| #23 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $4.3M | 14 | 77.8% |
| #23 | Allison Davis | 222187 | United Bank | 522399 | Mechanicsville, VA | $5.7M | 14 | 28.6% |
| #23 | William Bradford | 661859 | University of Virginia Community Credit Union, Inc. | 302946 | Charlottesville, VA | $5.1M | 14 | 53.8% |
| #23 | Andrew Charron | 393645 | Planet Home Lending, LLC | 17022 | Columbia, MD | $6.1M | 14 | 70.0% |
| #23 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $9.4M | 14 | 42.4% |
| #29 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.8M | 13 | 38.2% |
| #29 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $5.5M | 13 | 38.2% |
| #29 | Joshua Gravitt | 2112268 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $5.8M | 13 | 46.4% |
| #29 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.6M | 13 | 43.3% |
| #29 | Kevin Retcher | 116922 | First Meridian Mortgage Corporation | 180004 | Alexandria, VA | $9.1M | 13 | 65.0% |
| #29 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $7.3M | 13 | 81.3% |
| #29 | Brandon Colletti | 393174 | Movement Mortgage, LLC | 39179 | Fredericksburg, VA | $5.1M | 13 | 33.3% |
| #29 | Joshua Rowland | 223319 | FIRST RESIDENTIAL MORTGAGE CORPORATION | 277684 | — | $2.7M | 13 | 56.5% |
| #29 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $8.8M | 13 | 36.1% |
| #29 | Chintan Shah | 2476200 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $7.1M | 13 | 81.3% |
| #29 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $8.0M | 13 | 65.0% |
| #40 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $4.8M | 12 | 70.6% |
| #40 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $10.1M | 12 | 57.1% |
| #40 | Philip McKenney | 617986 | CMG Mortgage, Inc. | 1820 | North Chesterfield, VA | $3.4M | 12 | 32.4% |
| #40 | Edward Fritts | 325650 | Fairway Independent Mortgage Corporation | 2289 | Midlothian, VA | $7.6M | 12 | 60.0% |
| #40 | Joshua Burruss | 181603 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $11.8M | 12 | 42.9% |
| #40 | James Walrod | 260324 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $4.2M | 12 | 35.3% |
| #40 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.5M | 12 | 85.7% |
| #40 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $10.3M | 12 | 70.6% |
| #48 | Philip d'Oronzio | 283301 | Pilot Mortgage, LLC | 246545 | Charlottesville, VA | $5.8M | 11 | 73.3% |
| #48 | Melissa Cabral | 464553 | Fairway Independent Mortgage Corporation | 2289 | Arlington, VA | $7.2M | 11 | 78.6% |
| #48 | Patrick Cunningham | 192864 | Maple Avenue Home Loans LLC | 2548298 | Vienna, VA | $7.5M | 11 | 44.0% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2025
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