Retention champions in California in 2022, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), Alber Saleh (Wells Fargo Bank, National Association, NMLS #479975), and Satish Dadral (Wells Fargo Bank, National Association, NMLS #450886).
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 | H. Carmen Castro Franceschi | 487229 | First Republic Bank | 362814 | — | $133.3M | 157 | 82.2% |
| #2 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $73.1M | 50 | 48.5% |
| #3 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $58.4M | 32 | 62.7% |
| #4 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.7M | 30 | 83.3% |
| #5 | Mike Shayestehfar | 614926 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $47.5M | 19 | 54.3% |
| #6 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $45.6M | 35 | 77.8% |
| #7 | George Maniatakis | 485733 | Citibank, NA | 412915 | Beverly Hills, CA | $43.1M | 13 | 46.4% |
| #8 | Kellie Abreu | 487201 | Bank of San Francisco | 403437 | San Francisco, CA | $43.1M | 11 | 50.0% |
| #9 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $41.9M | 43 | 42.2% |
| #10 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $41.1M | 33 | 30.6% |
| #11 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $40.4M | 35 | 74.5% |
| #12 | Christopher Zolezzi | 459881 | Goldman Sachs Bank USA | 208156 | San Francisco, CA | $40.1M | 12 | 46.2% |
| #13 | Diane Slavick | 541482 | Citibank, NA | 412915 | — | $40.0M | 10 | 43.5% |
| #14 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $39.4M | 25 | 58.1% |
| #15 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #16 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $37.5M | 28 | 56.0% |
| #17 | Karin Napel | 487269 | MidFirst Bank | 619047 | Santa Barbara, CA | $36.9M | 22 | 84.6% |
| #18 | William Burrows | 479810 | Citizens Bank, National Association | 433960 | San Francisco, CA | $36.2M | 18 | 72.0% |
| #19 | Bruce Brewer | 514039 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $35.5M | 8 | 30.8% |
| #20 | Randy Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.2M | 63 | 64.3% |
| #21 | Mark Wintheiser | 724181 | Bank of America, N.A. | 399802 | Newport Beach, CA | $33.2M | 8 | 47.1% |
| #22 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $33.0M | 75 | 45.7% |
| #23 | Tadeh Baghmouri | 637498 | Bank of America, N.A. | 399802 | Beverly Hills, CA | $32.8M | 23 | 67.6% |
| #24 | Teymur Mammadov | 805319 | Citibank, NA | 412915 | Los Angeles, CA | $31.6M | 15 | 27.8% |
| #25 | Kenneth Kearns | 450986 | Flagstar Bank, National Association | 417490 | Troy, MI | $30.8M | 21 | 52.5% |
| #26 | DAWN DUCHARME | 643189 | MUFG Union Bank, N.A. | 539249 | — | $30.8M | 11 | 64.7% |
| #27 | Robert Painter | 272709 | New American Funding, LLC | 6606 | Santa Ana, CA | $30.4M | 25 | 52.1% |
| #28 | Andrew Woolf | 461881 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $29.7M | 20 | 57.1% |
| #29 | Na Hao | 633477 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $29.5M | 23 | 67.6% |
| #30 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $29.1M | 32 | 76.2% |
| #31 | Eric Rotner | 338424 | Bayview Residential Brokerage | 329189 | San Diego, CA | $28.9M | 29 | 47.5% |
| #32 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 39 | 81.3% |
| #33 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $28.3M | 52 | 71.2% |
| #34 | Elise Wen | 487197 | Citizens Bank, National Association | 433960 | San Francisco, CA | $28.3M | 17 | 58.6% |
| #35 | Gaurav Kapur | 487258 | MidFirst Bank | 619047 | San Diego, CA | $27.9M | 11 | 57.9% |
| #36 | Sheila Berger | 1493332 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $27.4M | 17 | 68.0% |
| #37 | Mark Delhougne | 682401 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $27.4M | 22 | 75.9% |
| #38 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $27.3M | 50 | 80.6% |
| #39 | Jodie Darrow | 258751 | Citizens Bank, National Association | 433960 | Beverly Hills, CA | $27.2M | 17 | 81.0% |
| #40 | Melissa Velasquez | 633920 | Wells Fargo Bank, National Association | 399801 | Beverly Hills, CA | $26.8M | 16 | 88.9% |
| #41 | Kimberley Hutchinson | 487253 | Citizens Bank, National Association | 433960 | San Francisco, CA | $26.7M | 15 | 62.5% |
| #42 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $26.6M | 8 | 21.1% |
| #43 | Son Le | 485493 | BMO Bank National Association | 401052 | City of Industry, CA | $26.6M | 12 | 80.0% |
| #44 | Dane Pavlik | 1273331 | Convoy Home Loans, Inc. | 2130517 | — | $26.6M | 24 | 72.7% |
| #45 | Todd Reisenbigler | 174553 | W & J Financial Group, Inc. | 649359 | Los Angeles, CA | $26.3M | 13 | 54.2% |
| #46 | Viral Vora | 1656903 | City National Bank | 536994 | Los Angeles, CA | $24.9M | 22 | 51.2% |
| #47 | Revinder Chohan | 461794 | Wells Fargo Bank, National Association | 399801 | El Segundo, CA | $24.8M | 19 | 67.9% |
| #48 | Joanna Yu | 490225 | U.S. Bank National Association | 402761 | Earth City, MO | $24.5M | 22 | 57.9% |
| #49 | Shaveta Sareen | 483455 | Bank of America, N.A. | 399802 | Foster City, CA | $24.0M | 20 | 71.4% |
| #50 | Michael McCulley | 28001 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.9M | 20 | 58.8% |
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 Volume — California (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume/2022
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