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 August 27, 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 | $101.2M | 84 | 76.4% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $100.4M | 65 | 84.4% |
| #3 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $43.2M | 56 | 42.7% |
| #4 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $27.7M | 52 | 50.5% |
| #5 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $44.2M | 48 | 84.2% |
| #6 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $55.0M | 46 | 80.7% |
| #6 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $15.6M | 46 | 67.6% |
| #8 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $29.3M | 44 | 72.1% |
| #9 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $36.9M | 41 | 64.1% |
| #10 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $34.7M | 39 | 72.2% |
| #11 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $17.9M | 38 | 43.7% |
| #11 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $51.1M | 38 | 76.0% |
| #11 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $48.5M | 38 | 39.6% |
| #14 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $30.4M | 37 | 77.1% |
| #15 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $56.5M | 36 | 65.5% |
| #15 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $33.0M | 36 | 73.5% |
| #17 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $52.2M | 35 | 58.3% |
| #17 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $28.2M | 35 | 68.6% |
| #17 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $35.2M | 35 | 71.4% |
| #20 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $39.8M | 33 | 55.0% |
| #21 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $29.2M | 32 | 46.4% |
| #22 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $41.4M | 31 | 86.1% |
| #22 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Burbank, CA | $26.2M | 31 | 73.8% |
| #24 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $30.6M | 30 | 61.2% |
| #24 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $32.8M | 30 | 62.5% |
| #24 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $15.2M | 30 | 73.2% |
| #24 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $33.4M | 30 | 60.0% |
| #24 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $39.2M | 30 | 43.5% |
| #24 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $30.9M | 30 | 69.8% |
| #30 | Roger Kube | 107621 | Mutual of Omaha Mortgage, Inc. | 1025894 | San Diego, CA | $22.4M | 29 | 78.4% |
| #30 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $52.7M | 29 | 54.7% |
| #30 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $29.8M | 29 | 64.4% |
| #33 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $34.1M | 28 | 82.4% |
| #33 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $40.8M | 28 | 60.9% |
| #33 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $22.8M | 28 | 82.4% |
| #36 | Horn Low | 388363 | Pathmark Realty Corp. | 878951 | Burlingame, CA | $24.3M | 27 | 75.0% |
| #37 | Lily LiangYi Yu | 968916 | Cathay Bank | 464182 | El Monte, CA | $22.6M | 26 | 53.1% |
| #37 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $31.8M | 26 | 78.8% |
| #37 | Pavan Gunna | 1275382 | VVR LOANS INC | 2020635 | San Jose, CA | $17.3M | 26 | 72.2% |
| #37 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $34.4M | 26 | 83.9% |
| #37 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $20.0M | 26 | 60.5% |
| #37 | Ting Yuan | 424399 | General Mortgage Capital Corporation | 254895 | Irvine, CA | $19.1M | 26 | 66.7% |
| #37 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $20.8M | 26 | 55.3% |
| #37 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $35.8M | 26 | 72.2% |
| #45 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $29.9M | 25 | 43.9% |
| #45 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $16.5M | 25 | 54.3% |
| #45 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $12.2M | 25 | 89.3% |
| #45 | YONGWOO CHO | 1762474 | MORTGAGE RESEARCH LABORATORY INC. | 1944774 | Los Angeles, CA | $22.1M | 25 | 52.1% |
| #45 | Richard Ellis | 295206 | Truist Bank | 399803 | Dallas, TX | $32.8M | 25 | 78.1% |
| #50 | Yosef Shapiro | 896711 | Electronic Mortgages Inc. | 275208 | San Clemente, CA | $12.7M | 24 | 85.7% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2026
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