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 August 27, 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 | 96.1% |
| #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 | $5.9M | 25 | 92.6% |
| #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 | $15.6M | 18 | 72.0% |
| #9 | Michael McCulley | 28001 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $24.0M | 17 | 89.5% |
| #9 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $12.3M | 17 | 42.5% |
| #9 | Senli Chandler | 248720 | Pacific Service Credit Union | 412534 | Concord, CA | $1.2M | 17 | 56.7% |
| #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% |
| #12 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $14.6M | 16 | 80.0% |
| #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 | Susan Overstreet | 442891 | CALIFORNIA COAST CREDIT UNION | 407951 | San Diego, CA | $1.8M | 14 | 46.7% |
| #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% |
| #21 | AUGUSTINE NWAPA-JOURDAN | 252860 | PACSHORES MORTGAGE INC. | 366402 | Los Angeles, CA | $4.5M | 13 | 50.0% |
| #21 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $12.1M | 13 | 72.2% |
| #21 | Fidel Dorado | 241054 | Golden Empire Mortgage, Inc. | 2427 | Madera, CA | $1.8M | 13 | 72.2% |
| #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 | Henrik Avaness | 240567 | Allied Lending Group Inc | 1039188 | — | $4.0M | 13 | 54.2% |
| #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 | 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 | Laura Stewart | 1065513 | Safe 1 Credit Union | 454431 | Bakersfield, CA | $1.1M | 13 | 59.1% |
| #21 | Justin Sheftell | 287667 | Integrity Mortgage Group | 238109 | San Diego, CA | $1.9M | 13 | 65.0% |
| #33 | David Eghbali | 450328 | Change Lending, LLC | 1839 | Anaheim, CA | $17.1M | 12 | 70.6% |
| #33 | Robin Conklin | 607933 | Redwood Credit Union | 459184 | — | $1.9M | 12 | 37.5% |
| #33 | Emil Jabre | 235187 | Jabre, Emil Ibrahim | 237526 | San Diego, CA | $3.8M | 12 | 75.0% |
| #33 | David Lerman | 391243 | CALUNION FUNDING | 1546749 | North Hollywood, CA | $5.7M | 12 | 60.0% |
| #33 | DONALD PEART | 308153 | FutureMortgage.com LLC | 2236028 | Boise, ID | $2.2M | 12 | 63.2% |
| #38 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $4.9M | 11 | 91.7% |
| #38 | Maria Looney | 267368 | snw investments | 275471 | Lake Havasu City, AZ | $1.5M | 11 | 52.4% |
| #40 | Vincent Newsome | 713774 | National Mortgage Funding LLC | 1939208 | Troy, MI | $6.9M | 10 | 58.8% |
| #40 | Sam Shabrang | 1087476 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | $5.8M | 10 | 90.9% |
| #40 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $2.7M | 10 | 41.7% |
| #40 | Ariel Alamillo | 828218 | Zoom Mortgage Pros, Inc. | 2162959 | Ontario, CA | $3.6M | 10 | 52.6% |
| #40 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $6.5M | 10 | 35.7% |
| #40 | Aaron Beck | 28154 | West Capital Lending, Inc. | 1566096 | Troy, MI | $4.7M | 10 | 83.3% |
| #40 | Amanda Rawls | 256126 | Xpert Home Lending Inc. | 2179191 | Roseville, CA | $1.1M | 10 | 41.7% |
| #40 | BARBARA LEON | 264478 | 1st Choice Lending & Real-Estate, INC | 322768 | San Fernando, CA | $3.3M | 10 | 47.6% |
| #40 | Jeremy Wilson | 950895 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $7.8M | 10 | 76.9% |
| #40 | Brian Baumann | 22142 | Rocket Mortgage, LLC | 3030 | — | $7.0M | 10 | 76.9% |
| #40 | Brian Kroskey | 954443 | U.S. Bank National Association | 402761 | Earth City, MO | $7.6M | 10 | 55.6% |
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 (2023). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2023
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