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 May 28, 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 | 38.1% |
| #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% |
| #4 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $14.4M | 23 | 44.2% |
| #4 | Bradley Stevenson | 293018 | Prosperity Home Mortgage, LLC | 75164 | Williamsburg, VA | $8.4M | 23 | 38.3% |
| #6 | Andrew Zemon | 208916 | Ixonia Bank | 423065 | Brookfield, WI | $12.0M | 22 | 48.9% |
| #7 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $9.8M | 21 | 70.0% |
| #8 | Sukhsagar Singh | 1949921 | A MONEY MATTER MORTGAGE INC. | 187404 | Vienna, VA | $10.6M | 20 | 57.1% |
| #8 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $10.6M | 20 | 46.5% |
| #8 | Jason Null | 452668 | The Bank of Marion | 449265 | Marion, VA | $3.3M | 20 | 66.7% |
| #8 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.7M | 20 | 90.9% |
| #12 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $9.3M | 19 | 63.3% |
| #12 | Kathryn Hickey | 659429 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $11.3M | 19 | 52.8% |
| #12 | Manohar Malhotra | 186031 | Sunrise Mortgage Inc. | 2173142 | Lorton, VA | $11.5M | 19 | 57.6% |
| #12 | 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 | 69.6% |
| #19 | Jolene Moore | 448601 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $7.2M | 15 | 38.5% |
| #19 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.4M | 15 | 35.7% |
| #19 | Alison Schellenberg | 759461 | Mortgage Research Center, LLC | 1907 | Auburn, CA | $5.6M | 15 | 28.3% |
| #19 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $13.1M | 15 | 48.4% |
| #23 | Allison Davis | 222187 | United Bank | 522399 | Mechanicsville, VA | $5.7M | 14 | 29.2% |
| #23 | Andrew Charron | 393645 | Planet Home Lending, LLC | 17022 | Columbia, MD | $6.1M | 14 | 70.0% |
| #23 | Steven Luzzi | 1548767 | Castle & Cooke Mortgage, LLC | 1251 | Scottsdale, AZ | $4.3M | 14 | 77.8% |
| #23 | Kelly Cordero | 259580 | CrossCountry Mortgage, LLC | 3029 | Virginia Beach, VA | $5.5M | 14 | 26.9% |
| #23 | William Bradford | 661859 | University of Virginia Community Credit Union, Inc. | 302946 | Charlottesville, VA | $5.1M | 14 | 53.8% |
| #23 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $9.4M | 14 | 42.4% |
| #29 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.6M | 13 | 43.3% |
| #29 | Gregory Bell | 1612533 | Broker LLC | 2450802 | Chesapeake, VA | $5.5M | 13 | 37.1% |
| #29 | Joshua Gravitt | 2112268 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $5.8M | 13 | 44.8% |
| #29 | Joshua Rowland | 223319 | FIRST RESIDENTIAL MORTGAGE CORPORATION | 277684 | — | $2.7M | 13 | 56.5% |
| #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 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $8.0M | 13 | 65.0% |
| #29 | Chintan Shah | 2476200 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $7.1M | 13 | 81.3% |
| #29 | Philip McKenney | 617986 | CMG Mortgage, Inc. | 1820 | North Chesterfield, VA | $3.8M | 13 | 33.3% |
| #29 | Kevin Retcher | 116922 | First Meridian Mortgage Corporation | 180004 | Alexandria, VA | $9.1M | 13 | 65.0% |
| #29 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.8M | 13 | 39.4% |
| #29 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $8.8M | 13 | 36.1% |
| #41 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $10.3M | 12 | 70.6% |
| #41 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.5M | 12 | 85.7% |
| #41 | Edward Fritts | 325650 | Fairway Independent Mortgage Corporation | 2289 | Midlothian, VA | $7.6M | 12 | 60.0% |
| #41 | Joshua Burruss | 181603 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $11.8M | 12 | 42.9% |
| #41 | James Walrod | 260324 | Mortgage Research Center, LLC | 1907 | Virginia Beach, VA | $4.2M | 12 | 35.3% |
| #41 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $4.8M | 12 | 70.6% |
| #47 | Philip d'Oronzio | 283301 | Pilot Mortgage, LLC | 246545 | Charlottesville, VA | $5.8M | 11 | 73.3% |
| #47 | Brian Lacey | 13008 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $4.8M | 11 | 33.3% |
| #47 | Patrick Cunningham | 192864 | Maple Avenue Home Loans LLC | 2548298 | Vienna, VA | $7.5M | 11 | 45.8% |
| #47 | Melissa Cabral | 464553 | Fairway Independent Mortgage Corporation | 2289 | Arlington, VA | $7.2M | 11 | 78.6% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-units/2025
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