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 July 13, 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 | $87.0M | 73 | 81.1% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $88.6M | 60 | 84.5% |
| #3 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $40.3M | 52 | 44.8% |
| #4 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $25.6M | 46 | 50.0% |
| #4 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $42.9M | 46 | 83.6% |
| #6 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $52.5M | 44 | 83.0% |
| #7 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $27.7M | 42 | 73.7% |
| #8 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $13.4M | 39 | 75.0% |
| #9 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $47.4M | 37 | 41.1% |
| #10 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $31.8M | 36 | 62.1% |
| #11 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $28.2M | 35 | 70.0% |
| #11 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $52.2M | 35 | 59.3% |
| #13 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $51.5M | 34 | 65.4% |
| #14 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $26.5M | 32 | 71.1% |
| #14 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $16.3M | 32 | 45.1% |
| #14 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $43.1M | 32 | 78.0% |
| #14 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $29.9M | 32 | 72.7% |
| #18 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $29.0M | 31 | 73.8% |
| #18 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $37.7M | 31 | 54.4% |
| #20 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $27.4M | 30 | 50.8% |
| #21 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $29.8M | 29 | 63.0% |
| #21 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $32.3M | 29 | 63.0% |
| #21 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $25.3M | 29 | 76.3% |
| #24 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $34.1M | 28 | 87.5% |
| #24 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $35.5M | 28 | 42.4% |
| #24 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $37.8M | 28 | 84.8% |
| #24 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.8M | 28 | 68.3% |
| #28 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $14.6M | 27 | 73.0% |
| #28 | Roger Kube | 107621 | Mutual of Omaha Mortgage, Inc. | 1025894 | San Diego, CA | $21.8M | 27 | 84.4% |
| #28 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Burbank, CA | $23.7M | 27 | 75.0% |
| #28 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $28.0M | 27 | 67.5% |
| #28 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $39.6M | 27 | 61.4% |
| #33 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $21.7M | 26 | 81.3% |
| #33 | Ting Yuan | 424399 | General Mortgage Capital Corporation | 254895 | Irvine, CA | $19.1M | 26 | 70.3% |
| #33 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $31.8M | 26 | 81.3% |
| #33 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $34.4M | 26 | 83.9% |
| #37 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $35.0M | 25 | 75.8% |
| #37 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $43.1M | 25 | 53.2% |
| #39 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $28.1M | 24 | 88.9% |
| #39 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $19.1M | 24 | 58.5% |
| #39 | Julie Aragon | 250691 | THE TURNKEY FOUNDATION INC. | 236669 | Santa Ana, CA | $22.4M | 24 | 72.7% |
| #42 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $16.2M | 23 | 74.2% |
| #42 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $10.8M | 23 | 92.0% |
| #42 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $22.1M | 23 | 62.2% |
| #42 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $14.9M | 23 | 52.3% |
| #42 | Ryan Buckholdt | 319442 | CrossCountry Mortgage, LLC | 3029 | Santa Cruz, CA | $16.6M | 23 | 41.1% |
| #47 | Richard Ellis | 295206 | Citibank, NA | 412915 | Manhattan Beach, CA | $29.3M | 22 | 78.6% |
| #47 | Shaodan Li | 335515 | U.S. Bank National Association | 402761 | San Diego, CA | $21.4M | 22 | 71.0% |
| #47 | Dustin Gildersleeve | 13509 | Mission Federal Credit Union | 472321 | San Diego, CA | $19.5M | 22 | 56.4% |
| #50 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $16.2M | 21 | 58.3% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2026
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