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 October 11, 2026, the top 3 include Elsa Sanchez (Universal Lending Corporation, NMLS #1066918), Xiao Zhang (AITON CAPITAL INC, NMLS #2185722), and Travis Bunch (K. Hovnanian American Mortgage, L.L.C., NMLS #781494).
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 | ▲ 8855 (#9889 → #1034) | $42.2M | 65 |
| #2 | Xiao Zhang | 2185722 | AITON CAPITAL INC | 2471360 | Alhambra, CA | ▲ 8655 (#9135 → #480) | $64.3M | 97 |
| #3 | Travis Bunch | 781494 | K. Hovnanian American Mortgage, L.L.C. | 3259 | Boynton Beach, FL | ▲ 7941 (#8454 → #513) | $52.7M | 94 |
| #4 | Sean Sullivan | 2595908 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 7928 (#9135 → #1207) | $13.4M | 59 |
| #4 | Nohely Macias | 1720794 | Redwood Credit Union | 459184 | Santa Rosa, CA | ▲ 7928 (#9135 → #1207) | $4.1M | 59 |
| #6 | David Haub | 324393 | CalTerra Financial Services | 2803592 | Garden Grove, CA | ▲ 7827 (#9889 → #2062) | $27.4M | 43 |
| #6 | Johan Matus | 317942 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | ▲ 7827 (#9889 → #2062) | $23.3M | 43 |
| #8 | En Chang | 1734666 | Woori America Bank | 509057 | Buena Park, CA | ▲ 7557 (#9889 → #2332) | $32.0M | 40 |
| #8 | Matthew Ellis | 633510 | Excel Realty Inc. | 351707 | Orangevale, CA | ▲ 7557 (#9889 → #2332) | $34.3M | 40 |
| #10 | Leticia Gonzalez | 317890 | Icon Lending, LLC | 2193351 | — | ▲ 7426 (#9135 → #1709) | $22.0M | 48 |
| #11 | Karen Coronado | 2224069 | Logix Federal Credit Union | 503781 | Burbank, CA | ▲ 7363 (#9889 → #2526) | $6.1M | 38 |
| #11 | Joseph Leavitt | 2068391 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | ▲ 7363 (#9889 → #2526) | $16.5M | 38 |
| #13 | Luis Perez-Solorio | 2459955 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 7304 (#9135 → #1831) | $8.9M | 46 |
| #14 | Samantha Martin | 2238121 | Rocket Mortgage, LLC | 3030 | Coppell, TX | ▲ 7298 (#8454 → #1156) | $28.8M | 61 |
| #15 | Andy Hoang | 1072095 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | ▲ 7250 (#9889 → #2639) | $10.7M | 37 |
| #15 | Norma Ann Banez | 765850 | PremierOne Credit Union | 609037 | San Jose, CA | ▲ 7250 (#9889 → #2639) | $8.7M | 37 |
| #17 | Franchesca Guerrero | 1775971 | Western Pioneer Financial, Inc. | 223688 | Fresno, CA | ▲ 7231 (#7863 → #632) | $31.8M | 84 |
| #18 | Saulo Villanueva | 524507 | U.S. Bank National Association | 402761 | Pleasanton, CA | ▲ 7129 (#9889 → #2760) | $12.4M | 36 |
| #18 | Joseph Diryawush | 2371765 | J. Peter Realtors Inc | 2024006 | Modesto, CA | ▲ 7129 (#9889 → #2760) | $14.0M | 36 |
| #20 | Erin Hamilton | 852880 | Planet Home Lending, LLC | 17022 | Livermore, CA | ▲ 7073 (#9135 → #2062) | $27.0M | 43 |
| #21 | Tao He | 348265 | Morgan Real Estate & Financial, Inc. | 1042844 | San Jose, CA | ▲ 7030 (#9889 → #2859) | $21.2M | 35 |
| #21 | Dina Polis-Kennedy | 723590 | AltaOne Federal Credit Union | 586019 | — | ▲ 7030 (#9889 → #2859) | $6.4M | 35 |
| #21 | JENNY PHUNG | 385856 | Phung, Jenny, T | 1082068 | Fountain Valley, CA | ▲ 7030 (#9889 → #2859) | $26.1M | 35 |
| #24 | Naresh Sakhrani | 397335 | The IVRI Group, Inc. | 2443105 | Pomona, CA | ▲ 6990 (#9135 → #2145) | $15.7M | 42 |
| #25 | Tipu Alam | 632215 | Bank of America, N.A. | 399802 | Sacramento, CA | ▲ 6954 (#8454 → #1500) | $63.2M | 52 |
| #26 | Christopher Padilla | 2031570 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | ▲ 6901 (#9135 → #2234) | $19.7M | 41 |
| #26 | Shane Ireland | 1742283 | Imperium Lending, LLC | 2237880 | Troy, MI | ▲ 6901 (#9135 → #2234) | $25.5M | 41 |
| #28 | Richard Hartnett | 180606 | West Capital Lending, Inc. | 1566096 | Scottsdale, AZ | ▲ 6878 (#9889 → #3011) | $15.4M | 34 |
| #29 | Anthony Baratelle | 1870761 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | ▲ 6803 (#9135 → #2332) | $8.2M | 40 |
| #29 | Jayro Olvera | 2508488 | Gold Standard Mortgage | 1779283 | Bakersfield, CA | ▲ 6803 (#9135 → #2332) | $11.5M | 40 |
| #31 | Christopher Jones | 2505627 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | ▲ 6745 (#8454 → #1709) | $12.0M | 48 |
| #31 | hong xiao | 326547 | ZMX CORPORATION | 249121 | San Francisco, CA | ▲ 6745 (#8454 → #1709) | $21.5M | 48 |
| #33 | Nick Younanian | 248189 | MORTGAGE RESEARCH LABORATORY INC. | 1944774 | Glendale, CA | ▲ 6711 (#9889 → #3178) | $34.9M | 33 |
| #34 | Eduardo Lopez | 1762017 | Logix Federal Credit Union | 503781 | Valencia, CA | ▲ 6703 (#9135 → #2432) | $8.8M | 39 |
| #35 | Valerie Le | 244715 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6623 (#8454 → #1831) | $49.5M | 46 |
| #36 | William Taylor | 1846875 | Mortgage Research Center, LLC | 1907 | San Diego, CA | ▲ 6609 (#9135 → #2526) | $26.5M | 38 |
| #37 | Ruben Gutierrez | 880681 | The Golden 1 Credit Union | 669333 | Sacramento, CA | ▲ 6585 (#7863 → #1278) | $12.1M | 57 |
| #38 | Clinton Clothier | 222061 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | ▲ 6577 (#9889 → #3312) | $8.2M | 32 |
| #38 | Matthew Feinauer | 2547609 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6577 (#9889 → #3312) | $6.8M | 32 |
| #40 | Belen Garita | 2239335 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | ▲ 6404 (#9889 → #3485) | $7.1M | 31 |
| #41 | Alex Lin | 1239731 | Citibank, NA | 412915 | Monterey Park, CA | ▲ 6385 (#7341 → #956) | $40.2M | 68 |
| #42 | natalie Pantoja | 292436 | Everett Financial, Inc. | 2129 | Antioch, CA | ▲ 6375 (#9135 → #2760) | $11.1M | 36 |
| #42 | Nelson Haws | 293163 | Loanhouse Mortgage Capital, Inc. | 1946451 | Fort Lauderdale, FL | ▲ 6375 (#9135 → #2760) | $17.3M | 36 |
| #44 | Stephen Mullaney | 1551575 | Wells Fargo Bank, National Association | 399801 | San Francisco, CA | ▲ 6276 (#9135 → #2859) | $51.1M | 35 |
| #44 | Mirna Rios | 239526 | Clear Mortgage Capital, Inc. | 1935005 | Irvine, CA | ▲ 6276 (#9135 → #2859) | $21.3M | 35 |
| #46 | Flora Shaldjian | 966060 | Citizens Business Bank, National Association | 417441 | Pasadena, CA | ▲ 6248 (#9889 → #3641) | $30.7M | 30 |
| #46 | Chad Smart | 450885 | Mechanics Bank | 442116 | Santa Barbara, CA | ▲ 6248 (#9889 → #3641) | $24.2M | 30 |
| #46 | Kristine Webster | 644661 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | ▲ 6248 (#9889 → #3641) | $7.5M | 30 |
| #49 | Jacquelynn Gonzalez | 2153114 | Low Rate Co., Inc. | 2120424 | San Clemente, CA | ▲ 6215 (#7341 → #1126) | $51.9M | 62 |
| #50 | Gloria Zaragoza | 383055 | loanDepot.com, LLC | 174457 | Irvine, CA | ▲ 6124 (#9135 → #3011) | $3.7M | 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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-climbers-by-units/2025
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