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 July 13, 2026, the top 3 include H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), Thuan Nguyen (Loan Factory, Inc., NMLS #320775), and Randy 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 | 46.6% |
| #3 | Randy Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #4 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $29.2M | 53 | 70.7% |
| #5 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #5 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $27.3M | 50 | 80.6% |
| #5 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $73.1M | 50 | 48.5% |
| #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 | $19.0M | 40 | 63.5% |
| #12 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 39 | 81.3% |
| #12 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $21.9M | 39 | 66.1% |
| #14 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $45.6M | 35 | 77.8% |
| #14 | Robert Fanzo | 324966 | SILVERTRUST FUNDING, INC | 237894 | Murrieta, CA | $17.1M | 35 | 68.6% |
| #14 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $40.4M | 35 | 74.5% |
| #17 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $41.1M | 33 | 30.6% |
| #17 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $9.1M | 33 | 78.6% |
| #17 | Joshua Rogge | 614834 | MidFirst Bank | 619047 | El Segundo, CA | $20.2M | 33 | 68.8% |
| #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 | 31.7% |
| #20 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $29.1M | 32 | 76.2% |
| #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 | Stephanie Spaulding | 298661 | Trinity Intercontinental, Inc. | 299129 | San Diego, CA | $14.2M | 30 | 56.6% |
| #25 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.7M | 30 | 83.3% |
| #27 | Eric Rotner | 338424 | Bayview Residential Brokerage | 329189 | Los Gatos, CA | $28.9M | 29 | 47.5% |
| #27 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $19.2M | 29 | 80.6% |
| #29 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $37.5M | 28 | 56.0% |
| #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 | Andre Frigo | 1185713 | Citibank, NA | 412915 | — | $18.4M | 26 | 89.7% |
| #32 | Robin Conklin | 607933 | Redwood Credit Union | 459184 | — | $8.7M | 26 | 40.6% |
| #32 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $14.0M | 26 | 68.4% |
| #35 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $15.6M | 25 | 50.0% |
| #35 | Justin Sheftell | 287667 | Integrity Mortgage Group | 238109 | San Diego, CA | $4.3M | 25 | 67.6% |
| #35 | David Baker | 448768 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $23.7M | 25 | 73.5% |
| #35 | Robert Painter | 272709 | New American Funding, LLC | 6606 | Santa Ana, CA | $30.4M | 25 | 52.1% |
| #35 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $39.4M | 25 | 58.1% |
| #40 | ARTURO POLANCO | 342823 | PG & Associates Inc | 389125 | San Fernando, CA | $11.9M | 24 | 30.8% |
| #40 | Dane Pavlik | 1273331 | Convoy Home Loans, Inc. | 2130517 | — | $26.6M | 24 | 72.7% |
| #40 | Michael Ostby | 1189665 | JPMorgan Chase Bank, National Association | 399798 | San Francisco, CA | $19.1M | 24 | 80.0% |
| #40 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $11.2M | 24 | 53.3% |
| #40 | Michele Piccirillo | 448367 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $18.0M | 24 | 49.0% |
| #40 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $20.9M | 24 | 57.1% |
| #46 | Manolo Visenio | 710960 | Operating Engineers Local Union #3 Federal Credit Union | 439929 | — | $6.8M | 23 | 57.5% |
| #46 | Na Hao | 633477 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $29.5M | 23 | 67.6% |
| #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% |
| #46 | Carlos Machado | 247875 | Covenant Loan Funding Corporation | 279049 | Woodland Hills, CA | $12.8M | 23 | 88.5% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2022
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