Retention champions in California in 2024, 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 Yuanzhu Li (Wells Fargo Bank, National Association, NMLS #2005118), Brian Minkow (CMG Mortgage, Inc., NMLS #256638), and Christopher Frederick (Rocket Mortgage, LLC, NMLS #30003).
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 | Yuanzhu Li | 2005118 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $150.3M | 107 | 80.5% |
| #2 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $78.5M | 71 | 76.3% |
| #3 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $41.6M | 39 | 81.3% |
| #4 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $48.0M | 38 | 73.1% |
| #5 | Erin Halliday | 872898 | OriginPoint LLC | 2185899 | Newport Beach, CA | $33.9M | 35 | 87.5% |
| #6 | Christian Griffin | 976102 | Stone Bridge Mortgage Inc | 1938081 | Solana Beach, CA | $26.9M | 34 | 64.2% |
| #6 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $11.3M | 34 | 63.0% |
| #8 | Joseph Summers | 189858 | U.S. Bank National Association | 402761 | Chicago, IL | $41.1M | 32 | 80.0% |
| #8 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $13.0M | 32 | 72.7% |
| #10 | chris kostoff | 325196 | Mortgage Direct Corporation | 345477 | Coto de Caza, CA | $13.2M | 31 | 86.1% |
| #11 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $38.1M | 30 | 93.8% |
| #12 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $14.0M | 29 | 85.3% |
| #12 | Joanna Yu | 490225 | U.S. Bank National Association | 402761 | Earth City, MO | $54.6M | 29 | 72.5% |
| #12 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $16.6M | 29 | 28.7% |
| #12 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $3.5M | 29 | 85.3% |
| #16 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $27.6M | 28 | 77.8% |
| #17 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.4M | 27 | 79.4% |
| #17 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $34.7M | 27 | 90.0% |
| #17 | Joshua Jelsing | 296707 | PGS Home Loans, Inc. | 1665909 | Carlsbad, CA | $18.8M | 27 | 54.0% |
| #17 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.2M | 27 | 67.5% |
| #21 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $29.8M | 26 | 68.4% |
| #21 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $30.1M | 26 | 63.4% |
| #21 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $10.8M | 26 | 78.8% |
| #24 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $16.8M | 25 | 51.0% |
| #24 | Khadija Mirza | 398414 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $25.0M | 25 | 69.4% |
| #24 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.8M | 25 | 89.3% |
| #24 | Pejman Kamali | 1042286 | U.S. Bank National Association | 402761 | Earth City, MO | $26.5M | 25 | 80.6% |
| #24 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $13.0M | 25 | 34.7% |
| #24 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.7M | 25 | 86.2% |
| #24 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $14.2M | 25 | 80.6% |
| #31 | Brad Evans | 180697 | CrossCountry Mortgage, LLC | 3029 | San Juan Capistrano, CA | $5.5M | 24 | 68.6% |
| #31 | KARLIE WATTERS | 1694861 | Cypress Realty Group, Inc | 330953 | Carlsbad, CA | $12.6M | 24 | 80.0% |
| #31 | Richard Olson | 280232 | Change Lending, LLC | 1839 | Pleasant Hill, CA | $16.2M | 24 | 64.9% |
| #34 | Jerilyn Rittgers-Shaw | 337983 | C2 Financial Corporation | 135622 | San Diego, CA | $19.9M | 23 | 57.5% |
| #34 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $12.9M | 23 | 95.8% |
| #34 | Nirmalya Modak | 633685 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $25.0M | 23 | 79.3% |
| #34 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $11.8M | 23 | 76.7% |
| #34 | Jacob Eckerd | 190276 | Mortgage Solutions FCS Inc. | 1065732 | Orangevale, CA | $14.8M | 23 | 44.2% |
| #39 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $31.1M | 22 | 55.0% |
| #39 | Laurie Cohen | 239576 | Nationwide Loans, Inc | 1799965 | Poway, CA | $15.0M | 22 | 66.7% |
| #39 | Anita Aguilar | 498749 | Cardinal Financial Company, Limited Partnership | 66247 | San Diego, CA | $13.5M | 22 | 66.7% |
| #42 | Nathan Sibbet | 450926 | loanDepot.com, LLC | 174457 | Sacramento, CA | $8.6M | 21 | 48.8% |
| #42 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $16.0M | 21 | 87.5% |
| #42 | Howard Lee | 264011 | U.S. Bank National Association | 402761 | Hopkins, MN | $12.1M | 21 | 67.7% |
| #42 | Eduardo Garcia | 330696 | U.S. Bank National Association | 402761 | Earth City, MO | $31.2M | 21 | 87.5% |
| #42 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $10.0M | 21 | 95.5% |
| #42 | Ravneet Hanjraa | 667373 | U.S. Bank National Association | 402761 | Los Gatos, CA | $24.1M | 21 | 58.3% |
| #42 | Thuan Luong | 1116792 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $25.8M | 21 | 77.8% |
| #42 | David Henderson | 1183120 | U.S. Bank National Association | 402761 | Earth City, MO | $26.7M | 21 | 65.6% |
| #50 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $19.0M | 20 | 64.5% |
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 (2024). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2024
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