Biggest climbers in California in 2025, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Elsa Sanchez (Universal Lending Corporation, NMLS #1066918), Xiao Zhang (AITON CAPITAL INC, NMLS #2185722), and Sean Sullivan (INDEPENDENCE HOME LOANS LLC, NMLS #2595908).
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 | Rank Change | 2025 Volume | 2025 Loans |
|---|---|---|---|---|---|---|---|---|
| #1 | Elsa Sanchez | 1066918 | Universal Lending Corporation | 2996 | Greenwood Village, CO | ▲ 8820 (#9871 → #1051) | $41.7M | 64 |
| #2 | Xiao Zhang | 2185722 | AITON CAPITAL INC | 2471360 | Alhambra, CA | ▲ 8640 (#9116 → #476) | $64.0M | 96 |
| #3 | Sean Sullivan | 2595908 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 7926 (#9116 → #1190) | $13.4M | 59 |
| #3 | Nohely Macias | 1720794 | Redwood Credit Union | 459184 | Santa Rosa, CA | ▲ 7926 (#9116 → #1190) | $4.1M | 59 |
| #5 | Travis Bunch | 781494 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | ▲ 7924 (#8431 → #507) | $52.7M | 94 |
| #6 | Johan Matus | 317942 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | ▲ 7851 (#9871 → #2020) | $23.3M | 43 |
| #6 | David Haub | 324393 | CalTerra Financial Services | 2803592 | Garden Grove, CA | ▲ 7851 (#9871 → #2020) | $27.4M | 43 |
| #8 | Matthew Ellis | 633510 | Excel Realty Inc. | 351707 | Roseville, CA | ▲ 7575 (#9871 → #2296) | $34.3M | 40 |
| #9 | Leticia Gonzalez | 317890 | Icon Lending, LLC | 2193351 | — | ▲ 7425 (#9116 → #1691) | $22.0M | 48 |
| #10 | Joseph Leavitt | 2068391 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | ▲ 7386 (#9871 → #2485) | $16.5M | 38 |
| #11 | Luis Perez-Solorio | 2459955 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 7307 (#9116 → #1809) | $8.9M | 46 |
| #12 | Samantha Martin | 2238121 | Rocket Mortgage, LLC | 3030 | Coppell, TX | ▲ 7296 (#8431 → #1135) | $28.8M | 61 |
| #13 | Andy Hoang | 1072095 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | ▲ 7271 (#9871 → #2600) | $10.7M | 37 |
| #13 | Norma Ann Banez | 765850 | PremierOne Credit Union | 609037 | San Jose, CA | ▲ 7271 (#9871 → #2600) | $8.7M | 37 |
| #13 | Karen Coronado | 2224069 | Logix Federal Credit Union | 503781 | Burbank, CA | ▲ 7271 (#9871 → #2600) | $6.0M | 37 |
| #16 | Franchesca Guerrero | 1775971 | Western Pioneer Financial, Inc. | 223688 | Fresno, CA | ▲ 7184 (#7846 → #662) | $30.4M | 81 |
| #17 | Saulo Villanueva | 524507 | U.S. Bank National Association | 402761 | Pleasanton, CA | ▲ 7145 (#9871 → #2726) | $12.4M | 36 |
| #17 | Joseph Diryawush | 2371765 | J. Peter Realtors Inc | 2024006 | Modesto, CA | ▲ 7145 (#9871 → #2726) | $14.0M | 36 |
| #17 | Nelson Haws | 293163 | Loanhouse Mortgage Capital, Inc. | 1946451 | Fort Lauderdale, FL | ▲ 7145 (#9871 → #2726) | $17.3M | 36 |
| #20 | Erin Hamilton | 852880 | Planet Home Lending, LLC | 17022 | Livermore, CA | ▲ 7096 (#9116 → #2020) | $27.0M | 43 |
| #21 | JENNY PHUNG | 385856 | Phung, Jenny, T | 1082068 | Fountain Valley, CA | ▲ 7041 (#9871 → #2830) | $26.1M | 35 |
| #21 | Dina Polis-Kennedy | 723590 | AltaOne Federal Credit Union | 586019 | Bishop, CA | ▲ 7041 (#9871 → #2830) | $6.4M | 35 |
| #23 | Naresh Sakhrani | 397335 | The IVRI Group, Inc. | 2443105 | Pomona, CA | ▲ 6996 (#9116 → #2120) | $15.7M | 42 |
| #24 | Shane Ireland | 1742283 | Imperium Lending, LLC | 2237880 | Troy, MI | ▲ 6914 (#9116 → #2202) | $25.5M | 41 |
| #25 | Richard Hartnett | 180606 | West Capital Lending, Inc. | 1566096 | Scottsdale, AZ | ▲ 6911 (#9871 → #2960) | $15.4M | 34 |
| #25 | Tao He | 348265 | Morgan Real Estate & Financial, Inc. | 1042844 | San Jose, CA | ▲ 6911 (#9871 → #2960) | $20.7M | 34 |
| #27 | Tipu Alam | 632215 | Bank of America, N.A. | 399802 | Sacramento, CA | ▲ 6895 (#8431 → #1536) | $62.0M | 51 |
| #28 | Jayro Olvera | 2508488 | Gold Standard Mortgage | 1779283 | Bakersfield, CA | ▲ 6820 (#9116 → #2296) | $11.5M | 40 |
| #28 | Christopher Padilla | 2031570 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | ▲ 6820 (#9116 → #2296) | $19.1M | 40 |
| #28 | Anthony Baratelle | 1870761 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | ▲ 6820 (#9116 → #2296) | $8.2M | 40 |
| #31 | Christopher Jones | 2505627 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 6740 (#8431 → #1691) | $12.0M | 48 |
| #31 | hong xiao | 326547 | ZMX CORPORATION | 249121 | San Francisco, CA | ▲ 6740 (#8431 → #1691) | $21.5M | 48 |
| #33 | Nick Younanian | 248189 | MORTGAGE RESEARCH LABORATORY INC. | 1944774 | Glendale, CA | ▲ 6731 (#9871 → #3140) | $34.9M | 33 |
| #34 | Eduardo Lopez | 1762017 | Logix Federal Credit Union | 503781 | Valencia, CA | ▲ 6727 (#9116 → #2389) | $8.8M | 39 |
| #35 | William Taylor | 1846875 | Mortgage Research Center, LLC | 1907 | San Diego, CA | ▲ 6631 (#9116 → #2485) | $26.5M | 38 |
| #36 | Valerie Le | 244715 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6622 (#8431 → #1809) | $49.5M | 46 |
| #37 | Clinton Clothier | 222061 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | ▲ 6590 (#9871 → #3281) | $8.2M | 32 |
| #37 | Matthew Feinauer | 2547609 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6590 (#9871 → #3281) | $6.8M | 32 |
| #39 | Ruben Gutierrez | 880681 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6586 (#7846 → #1260) | $12.1M | 57 |
| #40 | Belen Garita | 2239335 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | ▲ 6424 (#9871 → #3447) | $7.1M | 31 |
| #41 | Alex Lin | 1239731 | Citibank, NA | 412915 | Monterey Park, CA | ▲ 6380 (#7318 → #938) | $40.2M | 68 |
| #42 | Stephen Mullaney | 1551575 | Wells Fargo Bank, National Association | 399801 | San Francisco, CA | ▲ 6286 (#9116 → #2830) | $51.1M | 35 |
| #42 | Mirna Rios | 239526 | Clear Mortgage Capital, Inc. | 1935005 | Irvine, CA | ▲ 6286 (#9116 → #2830) | $21.3M | 35 |
| #42 | natalie Pantoja | 292436 | Everett Financial, Inc. | 2129 | Antioch, CA | ▲ 6286 (#9116 → #2830) | $10.6M | 35 |
| #45 | Chad Smart | 450885 | Mechanics Bank | 442116 | Santa Barbara, CA | ▲ 6266 (#9871 → #3605) | $24.2M | 30 |
| #45 | Kristine Webster | 644661 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | ▲ 6266 (#9871 → #3605) | $7.5M | 30 |
| #47 | Brenda Sifodaskalakis | 359540 | Homeowners First Mortgage, Inc. | 2713273 | Huntington Beach, CA | ▲ 6229 (#8431 → #2202) | $33.5M | 41 |
| #48 | Jacquelynn Gonzalez | 2153114 | Low Rate Co., Inc. | 2120424 | San Clemente, CA | ▲ 6157 (#7318 → #1161) | $51.2M | 60 |
| #49 | Gloria Zaragoza | 383055 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6156 (#9116 → #2960) | $3.7M | 34 |
| #49 | ERICA HUANG | 335971 | Green Hills Financial, Inc. | 322476 | Diamond Bar, CA | ▲ 6156 (#9116 → #2960) | $15.7M | 34 |
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. Biggest Climbers by Loan Count — California (2025). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-climbers-by-units/2025
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