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 May 28, 2026, the top 3 include Elsa Sanchez (Universal Lending Corporation, NMLS #1066918), Xiao Zhang (AITON CAPITAL INC, NMLS #2185722), and Nohely Macias (Redwood Credit Union, NMLS #1720794).
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 | ▲ 8775 (#9843 → #1068) | $40.4M | 62 |
| #2 | Xiao Zhang | 2185722 | AITON CAPITAL INC | 2471360 | Alhambra, CA | ▲ 8587 (#9090 → #503) | $60.6M | 92 |
| #3 | Nohely Macias | 1720794 | Redwood Credit Union | 459184 | Santa Rosa, CA | ▲ 7934 (#9090 → #1156) | $4.1M | 59 |
| #3 | Sean Sullivan | 2595908 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 7934 (#9090 → #1156) | $13.4M | 59 |
| #5 | Travis Bunch | 781494 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | ▲ 7898 (#8410 → #512) | $50.9M | 91 |
| #6 | Franchesca Guerrero | 1775971 | Western Pioneer Financial, Inc. | 223688 | Fresno, CA | ▲ 7728 (#8410 → #682) | $29.5M | 78 |
| #7 | Johan Matus | 317942 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | ▲ 7700 (#9843 → #2143) | $22.1M | 41 |
| #7 | David Haub | 324393 | CalTerra Financial Services | 2803592 | Garden Grove, CA | ▲ 7700 (#9843 → #2143) | $26.5M | 41 |
| #9 | Matthew Ellis | 633510 | Excel Realty Inc. | 351707 | Roseville, CA | ▲ 7506 (#9843 → #2337) | $33.1M | 39 |
| #10 | Joseph Leavitt | 2068391 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | ▲ 7417 (#9843 → #2426) | $16.5M | 38 |
| #11 | Luis Perez-Solorio | 2459955 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 7329 (#9090 → #1761) | $8.8M | 46 |
| #12 | Karen Coronado | 2224069 | Logix Federal Credit Union | 503781 | Burbank, CA | ▲ 7311 (#9843 → #2532) | $6.0M | 37 |
| #12 | Andy Hoang | 1072095 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | ▲ 7311 (#9843 → #2532) | $10.7M | 37 |
| #12 | Norma Ann Banez | 765850 | PremierOne Credit Union | 609037 | San Jose, CA | ▲ 7311 (#9843 → #2532) | $8.7M | 37 |
| #15 | Leticia Gonzalez | 317890 | Icon Lending, LLC | 2193351 | Fresno, CA | ▲ 7257 (#9090 → #1833) | $20.4M | 45 |
| #16 | Samantha Martin | 2238121 | Rocket Mortgage, LLC | 3030 | Coppell, TX | ▲ 7254 (#8410 → #1156) | $27.6M | 59 |
| #17 | Nelson Haws | 293163 | Loanhouse Mortgage Capital, Inc. | 1946451 | Fort Lauderdale, FL | ▲ 7181 (#9843 → #2662) | $17.3M | 36 |
| #17 | Saulo Villanueva | 524507 | U.S. Bank National Association | 402761 | Pleasanton, CA | ▲ 7181 (#9843 → #2662) | $12.4M | 36 |
| #19 | JENNY PHUNG | 385856 | Phung, Jenny, T | 1082068 | Fountain Valley, CA | ▲ 7070 (#9843 → #2773) | $26.1M | 35 |
| #19 | Dina Polis-Kennedy | 723590 | AltaOne Federal Credit Union | 586019 | Bishop, CA | ▲ 7070 (#9843 → #2773) | $6.4M | 35 |
| #19 | Joseph Diryawush | 2371765 | J. Peter Realtors Inc | 2024006 | Modesto, CA | ▲ 7070 (#9843 → #2773) | $13.7M | 35 |
| #22 | Erin Hamilton | 852880 | Planet Home Lending, LLC | 17022 | Livermore, CA | ▲ 7020 (#9090 → #2070) | $26.5M | 42 |
| #23 | Tipu Alam | 632215 | Bank of America, N.A. | 399802 | Sacramento, CA | ▲ 6984 (#8410 → #1426) | $63.2M | 52 |
| #24 | Shane Ireland | 1742283 | Imperium Lending, LLC | 2237880 | Troy, MI | ▲ 6947 (#9090 → #2143) | $25.5M | 41 |
| #24 | Naresh Sakhrani | 397335 | The IVRI Group, Inc. | 2443105 | Pomona, CA | ▲ 6947 (#9090 → #2143) | $15.2M | 41 |
| #26 | Tao He | 348265 | Morgan Real Estate & Financial, Inc. | 1042844 | San Jose, CA | ▲ 6937 (#9843 → #2906) | $20.7M | 34 |
| #27 | Anthony Baratelle | 1870761 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | ▲ 6845 (#9090 → #2245) | $8.2M | 40 |
| #28 | Nick Younanian | 248189 | MORTGAGE RESEARCH LABORATORY INC. | 1944774 | Glendale, CA | ▲ 6780 (#9843 → #3063) | $34.9M | 33 |
| #29 | hong xiao | 326547 | ZMX CORPORATION | 249121 | San Francisco, CA | ▲ 6760 (#8410 → #1650) | $21.5M | 48 |
| #29 | Christopher Jones | 2505627 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 6760 (#8410 → #1650) | $12.0M | 48 |
| #31 | Eduardo Lopez | 1762017 | Logix Federal Credit Union | 503781 | Valencia, CA | ▲ 6753 (#9090 → #2337) | $8.8M | 39 |
| #32 | Jayro Olvera | 2508488 | Gold Standard Mortgage | 1779283 | Bakersfield, CA | ▲ 6664 (#9090 → #2426) | $10.9M | 38 |
| #33 | Valerie Le | 244715 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6649 (#8410 → #1761) | $49.5M | 46 |
| #34 | Matthew Feinauer | 2547609 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6635 (#9843 → #3208) | $6.8M | 32 |
| #34 | Richard Hartnett | 180606 | West Capital Lending, Inc. | 1566096 | Scottsdale, AZ | ▲ 6635 (#9843 → #3208) | $14.6M | 32 |
| #34 | Clinton Clothier | 222061 | SayGo Home Loans, LLC | 2525432 | — | ▲ 6635 (#9843 → #3208) | $8.2M | 32 |
| #37 | Christopher Padilla | 2031570 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | ▲ 6558 (#9090 → #2532) | $17.3M | 37 |
| #37 | William Taylor | 1846875 | Mortgage Research Center, LLC | 1907 | San Diego, CA | ▲ 6558 (#9090 → #2532) | $25.4M | 37 |
| #39 | Ruben Gutierrez | 880681 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6550 (#7812 → #1262) | $12.0M | 56 |
| #40 | Belen Garita | 2239335 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | ▲ 6472 (#9843 → #3371) | $7.1M | 31 |
| #41 | Alex Lin | 1239731 | Citibank, NA | 412915 | Monterey Park, CA | ▲ 6343 (#7296 → #953) | $38.6M | 66 |
| #42 | Socorro Maldonado | 236735 | KPM Investment Enterprises, Inc | 1971515 | Covina, CA | ▲ 6328 (#9843 → #3515) | $16.2M | 30 |
| #42 | Kristine Webster | 644661 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | ▲ 6328 (#9843 → #3515) | $7.5M | 30 |
| #42 | Chad Smart | 450885 | Mechanics Bank | 442116 | Santa Barbara, CA | ▲ 6328 (#9843 → #3515) | $24.2M | 30 |
| #45 | Stephen Mullaney | 1551575 | Wells Fargo Bank, National Association | 399801 | San Francisco, CA | ▲ 6317 (#9090 → #2773) | $51.1M | 35 |
| #45 | natalie Pantoja | 292436 | Everett Financial, Inc. | 2129 | Antioch, CA | ▲ 6317 (#9090 → #2773) | $10.6M | 35 |
| #47 | ERICA HUANG | 335971 | Green Hills Financial, Inc. | 322476 | Diamond Bar, CA | ▲ 6184 (#9090 → #2906) | $15.7M | 34 |
| #47 | Mirna Rios | 239526 | Clear Mortgage Capital, Inc. | 1935005 | Irvine, CA | ▲ 6184 (#9090 → #2906) | $21.0M | 34 |
| #47 | Gloria Zaragoza | 383055 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6184 (#9090 → #2906) | $3.7M | 34 |
| #50 | Jacquelynn Gonzalez | 2153114 | Low Rate Co., Inc. | 2120424 | San Clemente, CA | ▲ 6167 (#7296 → #1129) | $51.2M | 60 |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-climbers-by-units/2025
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