Retention champions in California in 2026, 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 Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), and Scott Evans (CrossCountry Mortgage, LLC, NMLS #256163).
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 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $113.4M | 90 | 71.4% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $109.7M | 71 | 85.5% |
| #3 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $44.9M | 58 | 39.7% |
| #4 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $29.8M | 57 | 49.6% |
| #5 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $17.0M | 51 | 66.2% |
| #6 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $48.0M | 50 | 80.6% |
| #7 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $45.0M | 48 | 67.6% |
| #8 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $55.3M | 47 | 78.3% |
| #9 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $29.0M | 45 | 68.2% |
| #10 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $20.4M | 42 | 42.9% |
| #11 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $35.4M | 40 | 70.2% |
| #11 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $53.5M | 40 | 75.5% |
| #13 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $34.8M | 39 | 73.6% |
| #14 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $48.5M | 38 | 38.8% |
| #15 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $58.5M | 37 | 64.9% |
| #15 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $36.7M | 37 | 66.1% |
| #15 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $30.4M | 37 | 74.0% |
| #18 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $28.5M | 36 | 56.3% |
| #19 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $28.2M | 35 | 64.8% |
| #19 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $52.2M | 35 | 55.6% |
| #19 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $42.1M | 35 | 54.7% |
| #22 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $30.1M | 33 | 42.9% |
| #22 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $16.3M | 33 | 71.7% |
| #24 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Burbank, CA | $27.2M | 32 | 69.6% |
| #24 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $43.3M | 32 | 86.5% |
| #26 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $39.8M | 31 | 43.7% |
| #26 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $14.9M | 31 | 88.6% |
| #26 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $32.0M | 31 | 64.6% |
| #26 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $34.6M | 31 | 62.0% |
| #26 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $31.0M | 31 | 58.5% |
| #26 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.3M | 31 | 60.8% |
| #32 | Roger Kube | 107621 | Mutual of Omaha Mortgage, Inc. | 1025894 | San Diego, CA | $22.8M | 30 | 76.9% |
| #32 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $30.7M | 30 | 61.2% |
| #32 | Lily LiangYi Yu | 968916 | Cathay Bank | 464182 | El Monte, CA | $26.0M | 30 | 51.7% |
| #32 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $54.5M | 30 | 52.6% |
| #36 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $21.6M | 29 | 55.8% |
| #37 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $20.7M | 28 | 52.8% |
| #37 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $22.8M | 28 | 71.8% |
| #37 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $40.8M | 28 | 59.6% |
| #37 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $34.1M | 28 | 77.8% |
| #37 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $25.3M | 28 | 73.7% |
| #42 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $33.7M | 27 | 44.3% |
| #42 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $36.6M | 27 | 81.8% |
| #42 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $13.8M | 27 | 87.1% |
| #42 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $33.8M | 27 | 79.4% |
| #46 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $29.3M | 26 | 81.3% |
| #46 | Pavan Gunna | 1275382 | VVR LOANS INC | 2020635 | San Jose, CA | $17.3M | 26 | 68.4% |
| #46 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $35.8M | 26 | 66.7% |
| #46 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $39.7M | 26 | 57.8% |
| #46 | Dustin Gildersleeve | 13509 | Mission Federal Credit Union | 472321 | San Diego, CA | $24.1M | 26 | 50.0% |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2026
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