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 May 28, 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 | 82.2% |
| #2 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $33.0M | 75 | 45.7% |
| #3 | Randy Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.2M | 63 | 64.3% |
| #4 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $28.3M | 52 | 71.2% |
| #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 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 39 | 81.3% |
| #11 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $21.9M | 39 | 66.1% |
| #11 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $18.5M | 39 | 62.9% |
| #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% |
| #14 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $45.6M | 35 | 77.8% |
| #17 | Joshua Rogge | 614834 | MidFirst Bank | 619047 | El Segundo, CA | $20.2M | 33 | 68.8% |
| #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% |
| #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% |
| #20 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $58.4M | 32 | 62.7% |
| #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 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.7M | 30 | 83.3% |
| #25 | Stephanie Spaulding | 298661 | Trinity Intercontinental, Inc. | 299129 | San Diego, CA | $14.2M | 30 | 57.7% |
| #27 | Eric Rotner | 338424 | Bayview Residential Brokerage | 329189 | San Diego, 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 | Elsy Hedman | 271908 | AMH Capital, Inc. | 272185 | Pasadena, CA | $17.2M | 27 | 75.0% |
| #31 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $14.0M | 26 | 68.4% |
| #31 | Andre Frigo | 1185713 | Citibank, NA | 412915 | — | $18.4M | 26 | 89.7% |
| #31 | Robin Conklin | 607933 | Redwood Credit Union | 459184 | — | $8.7M | 26 | 40.6% |
| #31 | David Lerman | 391243 | CALUNION FUNDING | 1546749 | North Hollywood, CA | $15.2M | 26 | 44.1% |
| #35 | Justin Sheftell | 287667 | Integrity Mortgage Group | 238109 | San Diego, CA | $4.3M | 25 | 69.4% |
| #35 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $39.4M | 25 | 58.1% |
| #35 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $15.6M | 25 | 50.0% |
| #35 | Robert Painter | 272709 | New American Funding, LLC | 6606 | Santa Ana, CA | $30.4M | 25 | 52.1% |
| #35 | David Baker | 448768 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $23.7M | 25 | 73.5% |
| #40 | Dane Pavlik | 1273331 | Convoy Home Loans, Inc. | 2130517 | — | $26.6M | 24 | 72.7% |
| #40 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $20.9M | 24 | 57.1% |
| #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% |
| #44 | Carlos Machado | 247875 | Covenant Loan Funding Corporation | 279049 | Woodland Hills, CA | $12.8M | 23 | 88.5% |
| #44 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $13.7M | 23 | 69.7% |
| #44 | Dustin Bingaman | 326264 | Arrowhead Capital Corporation | 267884 | Redlands, CA | $10.0M | 23 | 41.8% |
| #44 | ARTURO POLANCO | 342823 | PG & Associates Inc | 389125 | San Fernando, CA | $11.5M | 23 | 29.9% |
| #44 | Na Hao | 633477 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $29.5M | 23 | 67.6% |
| #44 | Tadeh Baghmouri | 637498 | Bank of America, N.A. | 399802 | Beverly Hills, CA | $32.8M | 23 | 67.6% |
| #44 | Michele Piccirillo | 448367 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $17.7M | 23 | 47.9% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2022
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