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 October 11, 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 | $155.0M | 110 | 80.9% |
| #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 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $13.6M | 35 | 77.8% |
| #5 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $11.9M | 35 | 64.8% |
| #5 | Erin Halliday | 872898 | OriginPoint LLC | 2185899 | Newport Beach, CA | $33.9M | 35 | 87.5% |
| #8 | Christian Griffin | 976102 | Stone Bridge Mortgage Inc | 1938081 | Solana Beach, CA | $26.9M | 34 | 64.2% |
| #9 | Joseph Summers | 189858 | U.S. Bank National Association | 402761 | Chicago, IL | $42.2M | 33 | 80.5% |
| #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 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $16.6M | 29 | 28.7% |
| #12 | Joanna Yu | 490225 | U.S. Bank National Association | 402761 | Earth City, MO | $54.6M | 29 | 72.5% |
| #12 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $30.6M | 29 | 70.7% |
| #12 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $3.5M | 29 | 85.3% |
| #12 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $14.0M | 29 | 85.3% |
| #17 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $27.6M | 28 | 77.8% |
| #18 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.4M | 27 | 79.4% |
| #18 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $34.7M | 27 | 90.0% |
| #18 | Joshua Jelsing | 296707 | PGS Home Loans, Inc. | 1665909 | Carlsbad, CA | $18.8M | 27 | 54.0% |
| #21 | Pejman Kamali | 1042286 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $27.9M | 26 | 83.9% |
| #21 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $30.1M | 26 | 63.4% |
| #21 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $29.8M | 26 | 68.4% |
| #21 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $10.8M | 26 | 78.8% |
| #25 | Thuan Luong | 1116792 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $30.7M | 25 | 83.3% |
| #25 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $16.8M | 25 | 50.0% |
| #25 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $14.2M | 25 | 80.6% |
| #25 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $13.0M | 25 | 34.7% |
| #25 | Brad Evans | 180697 | CrossCountry Mortgage, LLC | 3029 | Aliso Viejo, CA | $5.6M | 25 | 71.4% |
| #25 | Khadija Mirza | 398414 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $25.0M | 25 | 69.4% |
| #25 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.7M | 25 | 86.2% |
| #25 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.8M | 25 | 89.3% |
| #25 | KARLIE WATTERS | 1694861 | Cypress Realty Group, Inc | 330953 | Carlsbad, CA | $13.1M | 25 | 80.6% |
| #34 | Richard Olson | 280232 | Change Lending, LLC | 1839 | Pleasant Hill, CA | $16.2M | 24 | 64.9% |
| #35 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $12.9M | 23 | 95.8% |
| #35 | Jerilyn Rittgers-Shaw | 337983 | C2 Financial Corporation | 135622 | San Diego, CA | $19.9M | 23 | 57.5% |
| #35 | Nirmalya Modak | 633685 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $25.0M | 23 | 79.3% |
| #35 | Jacob Eckerd | 190276 | Mortgage Solutions FCS Inc. | 1065732 | Orangevale, CA | $14.8M | 23 | 44.2% |
| #35 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $11.8M | 23 | 76.7% |
| #40 | Laurie Cohen | 239576 | Nationwide Loans, Inc | 1799965 | Poway, CA | $15.0M | 22 | 66.7% |
| #40 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $31.1M | 22 | 55.0% |
| #40 | Anita Aguilar | 498749 | Cardinal Financial Company, Limited Partnership | 66247 | San Diego, CA | $13.5M | 22 | 66.7% |
| #40 | Howard Lee | 264011 | U.S. Bank National Association | 402761 | Hopkins, MN | $12.9M | 22 | 68.8% |
| #44 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $18.0M | 21 | 67.7% |
| #44 | Nathan Sibbet | 450926 | loanDepot.com, LLC | 174457 | Sacramento, CA | $8.6M | 21 | 48.8% |
| #44 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $10.0M | 21 | 95.5% |
| #44 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $16.0M | 21 | 87.5% |
| #44 | David Maxwell | 582904 | Fifth Third Bank, National Association | 403245 | Gilbert, AZ | $18.1M | 21 | 100.0% |
| #44 | Eduardo Garcia | 330696 | U.S. Bank National Association | 402761 | Earth City, MO | $31.2M | 21 | 87.5% |
| #44 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $20.7M | 21 | 75.0% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2024
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