Retention champions in California in 2023, 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), Gary Gellman (North First Mortgage Group, Inc., NMLS #236581), and Alison Schweitzer (Flagstar Bank, National Association, NMLS #487183).
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 | — | $33.2M | 74 | 94.9% |
| #2 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $14.4M | 33 | 86.8% |
| #3 | Alison Schweitzer | 487183 | Flagstar Bank, National Association | 417490 | Newport Beach, CA | $5.6M | 24 | 92.3% |
| #4 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $13.7M | 22 | 91.7% |
| #5 | ROBERT MINTY | 255741 | SAVERS HOME LOANS | 236336 | Laguna Hills, CA | $9.9M | 21 | 75.0% |
| #6 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $8.9M | 19 | 100.0% |
| #6 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $15.0M | 19 | 90.5% |
| #8 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $14.7M | 17 | 68.0% |
| #8 | Senli Chandler | 248720 | Pacific Service Credit Union | 412534 | Concord, CA | $1.2M | 17 | 56.7% |
| #8 | Michael McCulley | 28001 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $24.0M | 17 | 89.5% |
| #8 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $12.3M | 17 | 42.5% |
| #12 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $14.6M | 16 | 80.0% |
| #12 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $8.4M | 16 | 72.7% |
| #12 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $1.8M | 16 | 84.2% |
| #15 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $9.8M | 15 | 93.8% |
| #15 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $4.7M | 15 | 41.7% |
| #17 | Sophep Fletcher | 438126 | Long Beach Firemen's Credit Union | 401263 | Long Beach, CA | $10.7M | 14 | 87.5% |
| #17 | Laura Wever | 303984 | Integrity Mortgage Group | 238109 | San Diego, CA | $1.8M | 14 | 70.0% |
| #17 | Francisco Williams | 1858674 | Vismar Corporation | 2046870 | Covina, CA | $5.1M | 14 | 50.0% |
| #17 | Susan Overstreet | 442891 | CALIFORNIA COAST CREDIT UNION | 407951 | San Diego, CA | $1.8M | 14 | 46.7% |
| #21 | Justin Sheftell | 287667 | Integrity Mortgage Group | 238109 | San Diego, CA | $1.9M | 13 | 65.0% |
| #21 | Fidel Dorado | 241054 | Golden Empire Mortgage, Inc. | 2427 | Madera, CA | $1.8M | 13 | 72.2% |
| #21 | Nicole Van Gorder | 146220 | Rocket Mortgage, LLC | 3030 | — | $8.3M | 13 | 92.9% |
| #21 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $9.9M | 13 | 76.5% |
| #21 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $12.1M | 13 | 72.2% |
| #21 | AUGUSTINE NWAPA-JOURDAN | 252860 | PACSHORES MORTGAGE INC. | 366402 | Los Angeles, CA | $4.5M | 13 | 50.0% |
| #21 | David Calvillo | 1631917 | F & A Federal Credit Union | 421486 | Monterey Park, CA | $2.2M | 13 | 59.1% |
| #21 | Teymur Mammadov | 805319 | Citibank, NA | 412915 | Los Angeles, CA | $9.3M | 13 | 54.2% |
| #21 | Elsy Hedman | 271908 | AMH Capital, Inc. | 272185 | Pasadena, CA | $8.1M | 13 | 76.5% |
| #21 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $11.7M | 13 | 76.5% |
| #21 | Laura Stewart | 1065513 | Safe 1 Credit Union | 454431 | Bakersfield, CA | $1.1M | 13 | 59.1% |
| #21 | Henrik Avaness | 240567 | Allied Lending Group Inc | 1039188 | La Crescenta, CA | $4.0M | 13 | 54.2% |
| #33 | DONALD PEART | 308153 | FutureMortgage.com LLC | 2236028 | Boise, ID | $2.2M | 12 | 63.2% |
| #33 | Robin Conklin | 607933 | Redwood Credit Union | 459184 | — | $1.9M | 12 | 37.5% |
| #33 | David Lerman | 391243 | CALUNION FUNDING | 1546749 | North Hollywood, CA | $5.7M | 12 | 60.0% |
| #33 | Emil Jabre | 235187 | Jabre, Emil Ibrahim | 237526 | San Diego, CA | $3.8M | 12 | 75.0% |
| #37 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $4.9M | 11 | 91.7% |
| #37 | David Eghbali | 450328 | Change Lending, LLC | 1839 | Anaheim, CA | $15.4M | 11 | 68.8% |
| #37 | Maria Looney | 267368 | snw investments | 275471 | Lake Havasu City, AZ | $1.5M | 11 | 52.4% |
| #40 | Aaron Beck | 28154 | West Capital Lending, Inc. | 1566096 | Troy, MI | $4.7M | 10 | 83.3% |
| #40 | Jeremy Wilson | 950895 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $7.8M | 10 | 76.9% |
| #40 | BARBARA LEON | 264478 | 1st Choice Lending & Real-Estate, INC | 322768 | San Fernando, CA | $3.3M | 10 | 47.6% |
| #40 | Brian Kroskey | 954443 | U.S. Bank National Association | 402761 | Earth City, MO | $7.6M | 10 | 55.6% |
| #40 | Ariel Alamillo | 828218 | Zoom Mortgage Pros, Inc. | 2162959 | Ontario, CA | $3.6M | 10 | 50.0% |
| #40 | Dustin Williams | 348110 | REARDEN S INCORPORATED | 275688 | San Juan Capistrano, CA | $4.8M | 10 | 20.4% |
| #40 | Vincent Newsome | 713774 | National Mortgage Funding LLC | 1939208 | Troy, MI | $6.9M | 10 | 58.8% |
| #40 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $6.5M | 10 | 35.7% |
| #40 | Amanda Rawls | 256126 | Xpert Home Lending Inc. | 2179191 | Roseville, CA | $1.1M | 10 | 41.7% |
| #40 | Sam Shabrang | 1087476 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | $5.8M | 10 | 90.9% |
| #40 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $3.1M | 10 | 21.7% |
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 (2023). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2023
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