Retention champions in Virginia this year, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Talmadge Reed (CrossCountry Mortgage, LLC, NMLS #1113052), Fontaine Williams (Guaranteed Rate, Inc., NMLS #266952), and Amit Kaim (FIRST HERITAGE MORTGAGE, LLC, NMLS #295394).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | 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 | 60.9% |
| #2 | Fontaine Williams | 266952 | Guaranteed Rate, Inc. | 2611 | Ashburn, VA | $10.2M | 14 | 77.8% |
| #3 | Amit Kaim | 295394 | FIRST HERITAGE MORTGAGE, LLC | 86548 | Fairfax, VA | $9.8M | 10 | 43.5% |
| #4 | Ali Ghassemi | 450795 | First National Bank of Pennsylvania | 766529 | Bethesda, MD | $9.7M | 11 | 57.9% |
| #5 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $9.5M | 17 | 85.0% |
| #6 | Michael Stein | 198609 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $9.5M | 16 | 76.2% |
| #7 | ASHLEY SMITH | 529694 | Truist Bank | 399803 | Sterling, VA | $9.2M | 15 | 75.0% |
| #8 | Yan Tang | 1929561 | Optimum Mortgage Company, LLC | 128568 | Carmel, IN | $9.1M | 17 | 94.4% |
| #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 | 76.5% |
| #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 | 68.4% |
| #13 | Yingxin Xue | 1685953 | Manufacturers and Traders Trust Company | 381076 | Paoli, PA | $8.2M | 10 | 83.3% |
| #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 | $7.6M | 12 | 70.6% |
| #16 | Ganesh Baniya | 1623550 | Simple Mortgage LLC | 1951072 | Fairfax, VA | $7.3M | 13 | 86.7% |
| #17 | Michael Sanchez | 860048 | Guaranteed Rate, Inc. | 2611 | Stafford, VA | $7.2M | 11 | 57.9% |
| #18 | Patrick Holland | 179158 | Embrace Home Loans, Inc. | 2184 | Fairfax, VA | $7.2M | 12 | 70.6% |
| #19 | Robert Clark | 182527 | Guaranteed Rate Affinity, LLC | 1598647 | Alexandria, VA | $7.1M | 9 | 56.3% |
| #20 | Robert Setliff | 207272 | First Savings Mortgage Corporation | 38694 | McLean, VA | $6.9M | 6 | 46.2% |
| #21 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $6.8M | 10 | 83.3% |
| #22 | Colin Wauchope | 1101426 | Guaranteed Rate Affinity, LLC | 1598647 | Leesburg, VA | $6.4M | 9 | 64.3% |
| #23 | Ian Waite | 376285 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $6.3M | 10 | 90.9% |
| #24 | Nicholas Genovese | 2149234 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $6.2M | 10 | 83.3% |
| #25 | Rambabu Yadlapalli | 874176 | ENSURE HOME LOANS LLC | 1666674 | Aldie, VA | $6.2M | 10 | 71.4% |
| #26 | Mark Bragaw | 659367 | Fairway Independent Mortgage Corporation | 2289 | Fairfax, VA | $6.1M | 11 | 55.0% |
| #27 | Ryan Larson | 1371688 | Guaranteed Rate, Inc. | 2611 | Arlington, VA | $5.9M | 9 | 90.0% |
| #28 | Lennar Anzoleaga | 251882 | Luminate Bank | 1281698 | Minneapolis, MN | $5.9M | 8 | 57.1% |
| #29 | Friba Sarwari | 497196 | Truist Bank | 399803 | Sterling, VA | $5.8M | 12 | 100.0% |
| #30 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.8M | 9 | 69.2% |
| #31 | Marcie Richard | 67534 | CrossCountry Mortgage, LLC | 3029 | Chesapeake, VA | $5.6M | 12 | 75.0% |
| #32 | Gina Myers | 898712 | CrossCountry Mortgage, LLC | 3029 | Fairfax, VA | $5.5M | 7 | 46.7% |
| #33 | John Hardy | 196395 | Waterstone Mortgage Corporation | 186434 | Ashburn, VA | $5.4M | 10 | 71.4% |
| #34 | Michelle Roman | 485136 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $5.4M | 8 | 80.0% |
| #35 | Vipul Hapani | 1891192 | VEMA MORTGAGE LLC | 1019911 | Charlotte, NC | $5.3M | 8 | 72.7% |
| #36 | Andrea Wine | 267770 | CMG Mortgage, Inc. | 1820 | Fort Lauderdale, FL | $5.3M | 9 | 60.0% |
| #37 | Sarah Pichardo | 229120 | CMG Mortgage, Inc. | 1820 | Fairfax, VA | $4.9M | 8 | 61.5% |
| #38 | Bradley Stevenson | 293018 | Prosperity Home Mortgage, LLC | 75164 | Williamsburg, VA | $4.8M | 11 | 52.4% |
| #39 | Caryn Grafton | 312906 | Atlantic Coast Mortgage, LLC | 643114 | Leesburg, VA | $4.7M | 7 | 43.8% |
| #40 | Richard Elmendorf | 485091 | Guaranteed Rate, Inc. | 2611 | Naples, FL | $4.7M | 8 | 32.0% |
| #41 | Tanner Mulvihill | 276814 | BAYFIELD HOME LOANS, LLC | 271648 | Norfolk, VA | $4.7M | 9 | 52.9% |
| #42 | Reginald Maddox | 1072553 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Myrtle Beach, SC | $4.5M | 6 | 13.0% |
| #43 | Stanley Griffin | 1227655 | Movement Mortgage, LLC | 39179 | Spotsylvania, VA | $4.4M | 11 | 52.4% |
| #44 | Mayur Shah | 397274 | Truist Bank | 399803 | McLean, VA | $4.4M | 6 | 50.0% |
| #45 | MIKE KOH | 231849 | Emet Lending Group, Inc. | 1301672 | Annandale, VA | $4.2M | 6 | 50.0% |
| #46 | Joshua Burruss | 181603 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $4.1M | 6 | 31.6% |
| #47 | Leafie Frye | 192699 | United Bank | 522399 | Woodbridge, VA | $4.1M | 7 | 53.8% |
| #48 | Katherine Wilkinson | 409328 | CrossCountry Mortgage, LLC | 3029 | Reston, VA | $4.0M | 6 | 60.0% |
| #49 | Michael McBride | 457863 | GenPoint Mortgage, LLC | 2620106 | Lakewood Ranch, FL | $3.9M | 5 | 45.5% |
| #50 | Alec Gagne | 1707927 | Intercoastal Mortgage, LLC | 56323 | Reston, VA | $3.9M | 7 | 53.8% |