Retention champions in California in 2022, 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 H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), Thuan Nguyen (Loan Factory, Inc., NMLS #320775), and Randolph Masters (Masters Team Mortgage, NMLS #316188).
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 | H. Carmen Castro Franceschi | 487229 | First Republic Bank | 362814 | — | $133.3M | 157 | 81.8% |
| #2 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $33.2M | 76 | 46.3% |
| #3 | Randolph Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #4 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $29.6M | 54 | 72.0% |
| #5 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $28.8M | 51 | 82.3% |
| #6 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $73.1M | 50 | 47.6% |
| #6 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #8 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $23.3M | 49 | 94.2% |
| #9 | Dustin Williams | 348110 | REARDEN S INCORPORATED | 275688 | San Juan Capistrano, CA | $22.9M | 46 | 38.3% |
| #10 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $41.9M | 43 | 42.2% |
| #11 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $20.2M | 42 | 66.7% |
| #12 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $23.0M | 41 | 68.3% |
| #13 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 39 | 81.3% |
| #14 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $45.6M | 35 | 77.8% |
| #14 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $40.4M | 35 | 74.5% |
| #14 | Robert Fanzo | 324966 | SILVERTRUST FUNDING, INC | 237894 | Murrieta, CA | $17.1M | 35 | 68.6% |
| #17 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $43.7M | 34 | 31.2% |
| #18 | Joshua Rogge | 614834 | MidFirst Bank | 619047 | El Segundo, CA | $20.2M | 33 | 67.3% |
| #18 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $9.1M | 33 | 78.6% |
| #20 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $29.1M | 32 | 76.2% |
| #20 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $58.4M | 32 | 62.7% |
| #20 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $12.8M | 32 | 32.3% |
| #23 | Paul Pistey | 220921 | Leading Mortgage Solutions Inc. | 221017 | San Diego, CA | $16.8M | 31 | 75.6% |
| #23 | Michele Berman | 304888 | Activus Corporation | 307057 | Southlake, TX | $14.5M | 31 | 75.6% |
| #25 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $19.8M | 30 | 81.1% |
| #25 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.5M | 30 | 83.3% |
| #25 | Stephanie Spaulding | 298661 | Trinity Intercontinental, Inc. | 299129 | San Diego, CA | $14.2M | 30 | 56.6% |
| #28 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $38.3M | 29 | 56.9% |
| #28 | Eric Rotner | 338424 | Bayview Residential Brokerage | 329189 | San Diego, CA | $28.9M | 29 | 47.5% |
| #30 | David Lerman | 391243 | CALUNION FUNDING | 1546749 | North Hollywood, CA | $15.6M | 27 | 45.0% |
| #30 | Elsy Hedman | 271908 | AMH Capital, Inc. | 272185 | Pasadena, CA | $17.2M | 27 | 75.0% |
| #32 | Robin Conklin | 607933 | Redwood Credit Union | 459184 | — | $8.7M | 26 | 40.6% |
| #32 | Andre Frigo | 1185713 | Citibank, NA | 412915 | — | $18.4M | 26 | 89.7% |
| #32 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $43.6M | 26 | 57.8% |
| #32 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $14.0M | 26 | 68.4% |
| #36 | Robert Painter | 272709 | New American Funding, LLC | 6606 | Santa Ana, CA | $30.4M | 25 | 52.1% |
| #36 | David Baker | 448768 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $23.7M | 25 | 73.5% |
| #36 | Justin Sheftell | 287667 | Integrity Mortgage Group | 238109 | San Diego, CA | $4.3M | 25 | 67.6% |
| #36 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $15.6M | 25 | 50.0% |
| #40 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $11.2M | 24 | 53.3% |
| #40 | Michael Ostby | 1189665 | JPMorgan Chase Bank, National Association | 399798 | San Francisco, CA | $19.1M | 24 | 80.0% |
| #40 | Dane Pavlik | 1273331 | Convoy Home Loans, Inc. | 2130517 | — | $26.6M | 24 | 72.7% |
| #40 | ARTURO POLANCO | 342823 | PG & Associates Inc | 389125 | San Fernando, CA | $11.9M | 24 | 30.8% |
| #40 | Mark Delhougne | 682401 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $32.1M | 24 | 80.0% |
| #40 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $20.9M | 24 | 55.8% |
| #46 | Lingyun Meng | 347004 | Morgan Real Estate & Financial, Inc. | 1042844 | San Jose, CA | $14.6M | 23 | 44.2% |
| #46 | Michele Piccirillo | 448367 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $17.7M | 23 | 47.9% |
| #46 | Manolo Visenio | 710960 | Operating Engineers Local Union #3 Federal Credit Union | 439929 | — | $6.8M | 23 | 57.5% |
| #46 | Tadeh Baghmouri | 637498 | Bank of America, N.A. | 399802 | Beverly Hills, CA | $32.8M | 23 | 67.6% |
| #46 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $13.7M | 23 | 69.7% |
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 (2022). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2022
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