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 May 28, 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 | $80.1M | 73 | 77.7% |
| #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 | New American Funding, LLC | 6606 | Huntington Beach, CA | $33.9M | 35 | 87.5% |
| #6 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $11.3M | 34 | 64.2% |
| #7 | Christian Griffin | 976102 | Stone Bridge Mortgage Inc | 1938081 | Solana Beach, CA | $26.1M | 33 | 63.5% |
| #8 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $13.0M | 32 | 72.7% |
| #8 | Joseph Summers | 189858 | U.S. Bank National Association | 402761 | Chicago, IL | $41.1M | 32 | 80.0% |
| #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 | Angelica Saldana | 451639 | Certified Federal Credit Union | 403205 | El Monte, CA | $3.5M | 29 | 85.3% |
| #12 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $16.6M | 29 | 28.7% |
| #12 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $14.0M | 29 | 85.3% |
| #15 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $27.6M | 28 | 77.8% |
| #15 | Joanna Yu | 490225 | U.S. Bank National Association | 402761 | Earth City, MO | $52.6M | 28 | 71.8% |
| #17 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.2M | 27 | 67.5% |
| #17 | Justin Brilman | 1137704 | U.S. Bank National Association | 402761 | Earth City, MO | $34.7M | 27 | 90.0% |
| #17 | Joshua Jelsing | 296707 | PGS Home Loans, Inc. | 1665909 | Carlsbad, CA | $18.8M | 27 | 54.0% |
| #17 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.4M | 27 | 79.4% |
| #21 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $10.8M | 26 | 78.8% |
| #21 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $30.1M | 26 | 63.4% |
| #21 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $14.7M | 26 | 81.3% |
| #24 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.8M | 25 | 89.3% |
| #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 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.7M | 25 | 86.2% |
| #24 | Pejman Kamali | 1042286 | U.S. Bank National Association | 402761 | Earth City, MO | $26.5M | 25 | 80.6% |
| #24 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $28.4M | 25 | 67.6% |
| #30 | KARLIE WATTERS | 1694861 | Cypress Realty Group, Inc | 330953 | Carlsbad, CA | $12.6M | 24 | 80.0% |
| #30 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $12.8M | 24 | 33.8% |
| #32 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $12.9M | 23 | 95.8% |
| #32 | Richard Olson | 280232 | Change Lending, LLC | 1839 | — | $15.5M | 23 | 65.7% |
| #32 | Brad Evans | 180697 | CrossCountry Mortgage, LLC | 3029 | San Juan Capistrano, CA | $5.2M | 23 | 67.6% |
| #32 | Jerilyn Rittgers-Shaw | 337983 | C2 Financial Corporation | 135622 | San Diego, CA | $19.9M | 23 | 57.5% |
| #32 | Jacob Eckerd | 190276 | Mortgage Solutions FCS Inc. | 1065732 | Roseville, CA | $14.8M | 23 | 44.2% |
| #32 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $11.8M | 23 | 76.7% |
| #32 | Nirmalya Modak | 633685 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $25.0M | 23 | 79.3% |
| #39 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $31.1M | 22 | 55.0% |
| #39 | Anita Aguilar | 498749 | Cardinal Financial Company, Limited Partnership | 66247 | San Diego, CA | $13.5M | 22 | 66.7% |
| #39 | Laurie Cohen | 239576 | Nationwide Loans, Inc | 1799965 | Poway, CA | $15.0M | 22 | 66.7% |
| #42 | Nathan Sibbet | 450926 | loanDepot.com, LLC | 174457 | Sacramento, CA | $8.6M | 21 | 50.0% |
| #42 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $16.0M | 21 | 87.5% |
| #42 | Thuan Luong | 1116792 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $25.8M | 21 | 77.8% |
| #42 | Eduardo Garcia | 330696 | U.S. Bank National Association | 402761 | Earth City, MO | $31.2M | 21 | 87.5% |
| #42 | Ravneet Hanjraa | 667373 | U.S. Bank National Association | 402761 | Los Gatos, CA | $24.1M | 21 | 58.3% |
| #42 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $10.0M | 21 | 95.5% |
| #48 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $19.0M | 20 | 64.5% |
| #48 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $14.1M | 20 | 55.6% |
| #48 | Petya McLaughlin | 632851 | Guaranteed Rate, Inc. | 2611 | San Diego, CA | $14.8M | 20 | 71.4% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2024
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