Retention champions in Virginia in 2025, ranked by total volume. 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), Patrick Holland (Embrace Home Loans, Inc., NMLS #179158), and Michael Sanchez (Guaranteed Rate, Inc., NMLS #860048).
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% |
| #3 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $14.4M | 23 | 44.2% |
| #4 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $13.1M | 15 | 48.4% |
| #5 | SALEEM KHAN | 201464 | SAI Mortgage Inc. | 179997 | Vienna, VA | $12.9M | 24 | 68.6% |
| #6 | Andrew Zemon | 208916 | Ixonia Bank | 423065 | Brookfield, WI | $12.0M | 22 | 48.9% |
| #7 | Joshua Burruss | 181603 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $11.8M | 12 | 42.9% |
| #8 | Manohar Malhotra | 186031 | Sunrise Mortgage Inc. | 2173142 | Lorton, VA | $11.5M | 19 | 57.6% |
| #9 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.5M | 12 | 85.7% |
| #10 | Kathryn Hickey | 659429 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $11.3M | 19 | 52.8% |
| #11 | Mark Ferguson | 408119 | WesBanco Bank, Inc. | 399836 | Ashburn, VA | $10.7M | 10 | 58.8% |
| #12 | Sukhsagar Singh | 1949921 | A MONEY MATTER MORTGAGE INC. | 187404 | Vienna, VA | $10.6M | 20 | 57.1% |
| #13 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $10.6M | 20 | 46.5% |
| #14 | Mayur Shah | 397274 | Truist Bank | 399803 | McLean, VA | $10.5M | 10 | 37.0% |
| #15 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $10.3M | 12 | 70.6% |
| #16 | James Anderson | 364612 | Capital Center, L.L.C. | 67717 | Glen Allen, VA | $9.8M | 21 | 70.0% |
| #17 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.7M | 20 | 90.9% |
| #18 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $9.6M | 16 | 69.6% |
| #19 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $9.6M | 17 | 70.8% |
| #20 | Robert Gaskins | 1656367 | CMG Mortgage, Inc. | 1820 | Falls Church, VA | $9.4M | 14 | 42.4% |
| #21 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $9.3M | 19 | 63.3% |
| #22 | Reid Thompson | 827591 | Fulton Bank, National Association | 485401 | Charlottesville, VA | $9.2M | 11 | 57.9% |
| #23 | Kevin Retcher | 116922 | First Meridian Mortgage Corporation | 180004 | Alexandria, VA | $9.1M | 13 | 65.0% |
| #24 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.8M | 13 | 39.4% |
| #25 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $8.8M | 13 | 36.1% |
| #26 | Blake Wise | 340921 | First Savings Mortgage Corporation | 38694 | McLean, VA | $8.5M | 9 | 34.6% |
| #27 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.4M | 15 | 35.7% |
| #28 | Bradley Stevenson | 293018 | Prosperity Home Mortgage, LLC | 75164 | Williamsburg, VA | $8.4M | 23 | 38.3% |
| #29 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $8.0M | 13 | 65.0% |
| #30 | Wayne Donne | 1249544 | Triangle Lending Group, Inc. | 64446 | Raleigh, NC | $7.9M | 19 | 90.5% |
| #31 | Edward Fritts | 325650 | Fairway Independent Mortgage Corporation | 2289 | Midlothian, VA | $7.6M | 12 | 60.0% |
| #32 | Patrick Cunningham | 192864 | Maple Avenue Home Loans LLC | 2548298 | Vienna, VA | $7.5M | 11 | 45.8% |
| #33 | Mya Tran-Harter | 248295 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $7.5M | 6 | 40.0% |
| #34 | John Yow | 209603 | Lower, LLC | 1124061 | Fairfax, VA | $7.5M | 6 | 40.0% |
| #35 | Stephen Fox | 208239 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $7.4M | 10 | 41.7% |
| #36 | Ryan Larson | 1371688 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $7.3M | 7 | 70.0% |
| #37 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $7.3M | 13 | 81.3% |
| #38 | Melissa Cabral | 464553 | Fairway Independent Mortgage Corporation | 2289 | Arlington, VA | $7.2M | 11 | 78.6% |
| #39 | Amit Kaim | 295394 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Fairfax, VA | $7.2M | 8 | 32.0% |
| #40 | Jolene Moore | 448601 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $7.2M | 15 | 38.5% |
| #41 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.2M | 10 | 38.5% |
| #42 | Brackton Pratt | 186937 | First Savings Mortgage Corporation | 38694 | McLean, VA | $7.2M | 7 | 53.8% |
| #43 | Chintan Shah | 2476200 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $7.1M | 13 | 81.3% |
| #44 | Ronald Silverstein | 1445513 | Guild Mortgage Company LLC | 3274 | Midlothian, VA | $7.1M | 11 | 40.7% |
| #45 | Rambabu Yadlapalli | 874176 | ENSURE HOME LOANS LLC | 1666674 | Aldie, VA | $7.1M | 10 | 47.6% |
| #46 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $7.1M | 9 | 75.0% |
| #47 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.6M | 13 | 43.3% |
| #48 | Troy Toureau | 5618 | Great North Bank | 410596 | Florence, WI | $6.5M | 10 | 41.7% |
| #49 | Hooman Mirzaei | 1795293 | Speedy Financial Group LLC | 2641339 | Vienna, VA | $6.3M | 10 | 90.9% |
| #50 | Jonathan Kulak | 1403506 | Trident Home Loans, LLC | 65716 | Pensacola, FL | $6.3M | 7 | 63.6% |
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 Volume — Virginia (2025). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-volume/2025
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