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 July 13, 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 | $79.8M | 72 | 76.6% |
| #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 | 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 | 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 | 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% |
| #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 | Joshua Jelsing | 296707 | PGS Home Loans, Inc. | 1665909 | Carlsbad, CA | $18.8M | 27 | 54.0% |
| #17 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $34.7M | 27 | 90.0% |
| #17 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.2M | 27 | 67.5% |
| #21 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $10.8M | 26 | 78.8% |
| #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% |
| #24 | Khadija Mirza | 398414 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $25.0M | 25 | 69.4% |
| #24 | Pejman Kamali | 1042286 | U.S. Bank National Association | 402761 | Earth City, MO | $26.5M | 25 | 80.6% |
| #24 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $16.8M | 25 | 51.0% |
| #24 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $14.2M | 25 | 80.6% |
| #24 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.8M | 25 | 89.3% |
| #24 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.7M | 25 | 86.2% |
| #24 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $13.0M | 25 | 34.7% |
| #31 | Richard Olson | 280232 | Change Lending, LLC | 1839 | — | $16.2M | 24 | 64.9% |
| #31 | KARLIE WATTERS | 1694861 | Cypress Realty Group, Inc | 330953 | Carlsbad, CA | $12.6M | 24 | 80.0% |
| #31 | Brad Evans | 180697 | CrossCountry Mortgage, LLC | 3029 | San Juan Capistrano, CA | $5.5M | 24 | 68.6% |
| #34 | Jerilyn Rittgers-Shaw | 337983 | C2 Financial Corporation | 135622 | San Diego, CA | $19.9M | 23 | 57.5% |
| #34 | Jacob Eckerd | 190276 | Mortgage Solutions FCS Inc. | 1065732 | Roseville, CA | $14.8M | 23 | 44.2% |
| #34 | Nirmalya Modak | 633685 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $25.0M | 23 | 79.3% |
| #34 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $12.9M | 23 | 95.8% |
| #34 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $11.8M | 23 | 76.7% |
| #39 | Laurie Cohen | 239576 | Nationwide Loans, Inc | 1799965 | Poway, CA | $15.0M | 22 | 66.7% |
| #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% |
| #42 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $16.0M | 21 | 87.5% |
| #42 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $10.0M | 21 | 95.5% |
| #42 | Thuan Luong | 1116792 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $25.8M | 21 | 77.8% |
| #42 | Ravneet Hanjraa | 667373 | U.S. Bank National Association | 402761 | Los Gatos, CA | $24.1M | 21 | 58.3% |
| #42 | Nathan Sibbet | 450926 | loanDepot.com, LLC | 174457 | Sacramento, CA | $8.6M | 21 | 50.0% |
| #42 | Howard Lee | 264011 | U.S. Bank National Association | 402761 | Hopkins, MN | $12.1M | 21 | 67.7% |
| #42 | David Henderson | 1183120 | U.S. Bank National Association | 402761 | Earth City, MO | $26.7M | 21 | 65.6% |
| #42 | Eduardo Garcia | 330696 | U.S. Bank National Association | 402761 | Earth City, MO | $31.2M | 21 | 87.5% |
| #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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2024
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