Retention champions in Virginia in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Fontaine Williams (Guaranteed Rate, Inc., NMLS #266952), Ali Ghassemi (First National Bank of Pennsylvania, NMLS #450795), and Talmadge Reed (CrossCountry Mortgage, LLC, NMLS #1113052).
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 | Fontaine Williams | 266952 | Guaranteed Rate, Inc. | 2611 | Ashburn, VA | $11.7M | 15 | 65.2% |
| #2 | Ali Ghassemi | 450795 | First National Bank of Pennsylvania | 766529 | Bethesda, MD | $11.5M | 13 | 59.1% |
| #3 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.4M | 14 | 51.9% |
| #4 | ASHLEY SMITH | 529694 | Truist Bank | 399803 | Sterling, VA | $11.0M | 19 | 61.3% |
| #5 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $10.9M | 17 | 73.9% |
| #6 | Amit Kaim | 295394 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Fairfax, VA | $10.6M | 11 | 39.3% |
| #7 | SALEEM KHAN | 201464 | SAI Mortgage Inc. | 179997 | Vienna, VA | $10.6M | 21 | 63.6% |
| #8 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.6M | 19 | 95.0% |
| #9 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $9.5M | 17 | 85.0% |
| #10 | Ning Zhang | 476292 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $9.1M | 15 | 88.2% |
| #11 | Bryan Lovern | 1053013 | CrossCountry Mortgage, LLC | 3029 | Columbia, MD | $8.6M | 13 | 68.4% |
| #12 | Jolene Moore | 448601 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.3M | 14 | 66.7% |
| #13 | Bruce Rosenberger | 659495 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $8.3M | 13 | 65.0% |
| #14 | Yingxin Xue | 1685953 | Manufacturers and Traders Trust Company | 381076 | Paoli, PA | $8.2M | 10 | 76.9% |
| #15 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.1M | 11 | 37.9% |
| #16 | Rambabu Yadlapalli | 874176 | ENSURE HOME LOANS LLC | 1666674 | Aldie, VA | $8.0M | 12 | 75.0% |
| #17 | Jawad Hamandi | 391282 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.9M | 10 | 76.9% |
| #18 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $7.9M | 15 | 78.9% |
| #19 | Babita Vashist | 203282 | TD Bank NA | 399800 | Vienna, VA | $7.6M | 7 | 70.0% |
| #20 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.3M | 7 | 46.7% |
| #21 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $7.2M | 11 | 50.0% |
| #22 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $7.2M | 12 | 63.2% |
| #23 | Robert Clark | 182527 | Guaranteed Rate Affinity, LLC | 1598647 | Alexandria, VA | $7.1M | 9 | 45.0% |
| #24 | Mark Ferguson | 408119 | WesBanco Bank, Inc. | 399836 | Ashburn, VA | $6.9M | 5 | 38.5% |
| #25 | Vipul Hapani | 1891192 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $6.9M | 11 | 78.6% |
| #26 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $6.8M | 10 | 83.3% |
| #27 | Hillary Legrain | 370120 | First Savings Mortgage Corporation | 38694 | North Bethesda, MD | $6.8M | 7 | 58.3% |
| #28 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $6.5M | 7 | 43.8% |
| #29 | Colin Wauchope | 1101426 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Mount Laurel, NJ | $6.4M | 9 | 56.3% |
| #30 | Ian Waite | 376285 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $6.3M | 10 | 83.3% |
| #31 | Nicholas Genovese | 2149234 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $6.2M | 10 | 76.9% |
| #32 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $6.2M | 10 | 66.7% |
| #33 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.2M | 10 | 27.0% |
| #34 | Mark Bragaw | 659367 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $6.1M | 11 | 45.8% |
| #35 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $6.1M | 11 | 73.3% |
| #36 | Nicholas Basciano | 1136415 | Atlantic Coast Mortgage, LLC | 643114 | Alexandria, VA | $6.0M | 8 | 72.7% |
| #37 | Andrea Wine | 267770 | CMG Mortgage, Inc. | 1820 | Fort Lauderdale, FL | $5.9M | 10 | 50.0% |
| #38 | Ryan Larson | 1371688 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $5.9M | 9 | 81.8% |
| #39 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $5.9M | 8 | 53.3% |
| #40 | Friba Sarwari | 497196 | Truist Bank | 399803 | Sterling, VA | $5.8M | 12 | 92.3% |
| #41 | Mayur Shah | 397274 | Truist Bank | 399803 | McLean, VA | $5.7M | 7 | 53.8% |
| #42 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $5.7M | 12 | 42.9% |
| #43 | Marcie Richard | 67534 | CrossCountry Mortgage, LLC | 3029 | Chesapeake, VA | $5.6M | 12 | 63.2% |
| #44 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $5.5M | 7 | 38.9% |
| #45 | Michelle Roman | 485136 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $5.4M | 8 | 66.7% |
| #46 | Caryn Grafton | 312906 | Atlantic Coast Mortgage, LLC | 643114 | Leesburg, VA | $5.4M | 9 | 45.0% |
| #47 | Sherri Richman | 187108 | First Savings Mortgage Corporation | 38694 | McLean, VA | $5.2M | 6 | 50.0% |
| #48 | Robert McMains | 40960 | Loansteady LLC | 1701910 | McLean, VA | $5.0M | 8 | 61.5% |
| #49 | Sarah Pichardo | 229120 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $4.9M | 8 | 57.1% |
| #50 | Lindsay Beale | 510004 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $4.9M | 10 | 58.8% |
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 Volume — Virginia. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-volume
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