Retention champions in Virginia in 2026, 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 Talmadge Reed (CrossCountry Mortgage, LLC, NMLS #1113052), Ali Ghassemi (First National Bank of Pennsylvania, NMLS #450795), and Amit Kaim (FIRST HERITAGE MORTGAGE, LLC, NMLS #295394).
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 | Talmadge Reed | 1113052 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $11.4M | 14 | 58.3% |
| #2 | Ali Ghassemi | 450795 | First National Bank of Pennsylvania | 766529 | Bethesda, MD | $10.7M | 12 | 60.0% |
| #3 | Amit Kaim | 295394 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Fairfax, VA | $10.6M | 11 | 45.8% |
| #4 | ASHLEY SMITH | 529694 | Truist Bank | 399803 | Sterling, VA | $10.5M | 18 | 78.3% |
| #5 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $10.3M | 18 | 85.7% |
| #6 | Fontaine Williams | 266952 | Guaranteed Rate, Inc. | 2611 | Ashburn, VA | $10.2M | 14 | 77.8% |
| #7 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $9.5M | 16 | 76.2% |
| #8 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.4M | 18 | 94.7% |
| #9 | SALEEM KHAN | 201464 | SAI Mortgage Inc. | 179997 | Vienna, VA | $8.8M | 17 | 70.8% |
| #10 | Bryan Lovern | 1053013 | CrossCountry Mortgage, LLC | 3029 | Columbia, MD | $8.6M | 13 | 72.2% |
| #11 | Ning Zhang | 476292 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $8.3M | 14 | 87.5% |
| #12 | Bruce Rosenberger | 659495 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $8.3M | 13 | 65.0% |
| #13 | Yingxin Xue | 1685953 | Manufacturers and Traders Trust Company | 381076 | Paoli, PA | $8.2M | 10 | 76.9% |
| #14 | Stephen Arsenault | 207543 | Fairway Independent Mortgage Corporation | 2289 | Alexandria, VA | $8.1M | 11 | 40.7% |
| #15 | Jolene Moore | 448601 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $8.1M | 13 | 72.2% |
| #16 | Rambabu Yadlapalli | 874176 | ENSURE HOME LOANS LLC | 1666674 | Aldie, VA | $8.0M | 12 | 75.0% |
| #17 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $7.5M | 14 | 82.4% |
| #18 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $7.2M | 11 | 55.0% |
| #19 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $7.2M | 12 | 63.2% |
| #20 | Robert Clark | 182527 | Guaranteed Rate Affinity, LLC | 1598647 | Alexandria, VA | $7.1M | 9 | 50.0% |
| #21 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $6.9M | 6 | 46.2% |
| #22 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $6.8M | 10 | 83.3% |
| #23 | Hillary Legrain | 370120 | First Savings Mortgage Corporation | 38694 | North Bethesda, MD | $6.8M | 7 | 70.0% |
| #24 | Colin Wauchope | 1101426 | Guaranteed Rate Affinity, LLC | 1598647 | Leesburg, VA | $6.4M | 9 | 64.3% |
| #25 | Jawad Hamandi | 391282 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $6.3M | 9 | 75.0% |
| #26 | Nicholas Genovese | 2149234 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $6.2M | 10 | 83.3% |
| #27 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $6.2M | 10 | 34.5% |
| #28 | Mark Bragaw | 659367 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $6.1M | 11 | 55.0% |
| #29 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $6.1M | 11 | 73.3% |
| #30 | Ian Waite | 376285 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $5.9M | 9 | 81.8% |
| #31 | Ryan Larson | 1371688 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $5.9M | 9 | 90.0% |
| #32 | Vipul Hapani | 1891192 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $5.9M | 9 | 75.0% |
| #33 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $5.9M | 8 | 53.3% |
| #34 | Friba Sarwari | 497196 | Truist Bank | 399803 | Sterling, VA | $5.8M | 12 | 92.3% |
| #35 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.8M | 9 | 69.2% |
| #36 | Marcie Richard | 67534 | CrossCountry Mortgage, LLC | 3029 | Chesapeake, VA | $5.6M | 12 | 70.6% |
| #37 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $5.5M | 7 | 41.2% |
| #38 | Michelle Roman | 485136 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $5.4M | 8 | 72.7% |
| #39 | Andrea Wine | 267770 | CMG Mortgage, Inc. | 1820 | Fort Lauderdale, FL | $5.3M | 9 | 56.3% |
| #40 | Sarah Pichardo | 229120 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $4.9M | 8 | 61.5% |
| #41 | Bradley Stevenson | 293018 | Prosperity Home Mortgage, LLC | 75164 | Williamsburg, VA | $4.8M | 11 | 50.0% |
| #42 | Caryn Grafton | 312906 | Atlantic Coast Mortgage, LLC | 643114 | Leesburg, VA | $4.7M | 7 | 38.9% |
| #43 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $4.7M | 9 | 52.9% |
| #44 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $4.5M | 6 | 13.0% |
| #45 | Katherine Wilkinson | 409328 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $4.5M | 7 | 63.6% |
| #46 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.4M | 11 | 50.0% |
| #47 | Alexander Dykes | 1638497 | Guild Mortgage Company LLC | 3274 | Arlington, VA | $4.4M | 12 | 60.0% |
| #48 | Mayur Shah | 397274 | Truist Bank | 399803 | McLean, VA | $4.4M | 6 | 50.0% |
| #49 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $4.4M | 6 | 46.2% |
| #50 | MIKE KOH | 231849 | Emet Lending Group, Inc. | 1301672 | Annandale, VA | $4.2M | 6 | 50.0% |
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 Volume — Virginia (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/virginia/top-retention-by-volume/2026
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