Retention champions in California in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 23, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), and Scott Evans (CrossCountry Mortgage, LLC, NMLS #256163).
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 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $101.2M | 84 | 76.4% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $100.4M | 65 | 84.4% |
| #3 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $43.2M | 56 | 42.7% |
| #4 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $27.7M | 52 | 50.5% |
| #5 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $44.2M | 48 | 84.2% |
| #6 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $55.0M | 46 | 80.7% |
| #6 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $15.6M | 46 | 67.6% |
| #8 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $29.3M | 44 | 72.1% |
| #9 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $36.9M | 41 | 64.1% |
| #10 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $34.7M | 39 | 72.2% |
| #11 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $48.5M | 38 | 39.6% |
| #11 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $51.1M | 38 | 76.0% |
| #11 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $17.9M | 38 | 43.7% |
| #14 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $30.4M | 37 | 77.1% |
| #15 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $33.0M | 36 | 73.5% |
| #15 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $56.5M | 36 | 65.5% |
| #17 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $28.2M | 35 | 68.6% |
| #17 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $52.2M | 35 | 58.3% |
| #17 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $35.2M | 35 | 71.4% |
| #20 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $39.8M | 33 | 55.0% |
| #21 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $29.2M | 32 | 46.4% |
| #22 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Burbank, CA | $26.2M | 31 | 73.8% |
| #22 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $41.4M | 31 | 86.1% |
| #24 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $30.9M | 30 | 69.8% |
| #24 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $30.6M | 30 | 61.2% |
| #24 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $33.4M | 30 | 60.0% |
| #24 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $15.2M | 30 | 73.2% |
| #24 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $39.2M | 30 | 43.5% |
| #24 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $32.8M | 30 | 62.5% |
| #30 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $29.8M | 29 | 64.4% |
| #30 | Roger Kube | 107621 | Mutual of Omaha Mortgage, Inc. | 1025894 | San Diego, CA | $22.4M | 29 | 78.4% |
| #30 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $52.7M | 29 | 54.7% |
| #33 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $40.8M | 28 | 60.9% |
| #33 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $22.8M | 28 | 82.4% |
| #33 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $34.1M | 28 | 82.4% |
| #36 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $24.3M | 27 | 75.0% |
| #37 | Ting Yuan | 424399 | General Mortgage Capital Corporation | 254895 | Irvine, CA | $19.1M | 26 | 66.7% |
| #37 | Pavan Gunna | 1275382 | VVR LOANS INC | 2020635 | San Jose, CA | $17.3M | 26 | 72.2% |
| #37 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $34.4M | 26 | 83.9% |
| #37 | Lily LiangYi Yu | 968916 | Cathay Bank | 464182 | El Monte, CA | $22.6M | 26 | 53.1% |
| #37 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $20.0M | 26 | 60.5% |
| #37 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $35.8M | 26 | 72.2% |
| #37 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $31.8M | 26 | 78.8% |
| #37 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $20.8M | 26 | 55.3% |
| #45 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $12.2M | 25 | 89.3% |
| #45 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $29.9M | 25 | 43.9% |
| #45 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $16.5M | 25 | 54.3% |
| #45 | YONGWOO CHO | 1762474 | MORTGAGE RESEARCH LABORATORY INC. | 1944774 | Los Angeles, CA | $22.1M | 25 | 52.1% |
| #45 | Richard Ellis | 295206 | Truist Bank | 399803 | Dallas, TX | $32.8M | 25 | 78.1% |
| #50 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $16.5M | 24 | 70.6% |
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 Loan Count — California. Powered by MMI public record mortgage production data, accessed August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units
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