Retention champions in California in 2023, 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 Todd Le Pique (Bank of America, N.A., NMLS #526837), H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), and Michael McCulley (Rocket Mortgage, LLC, NMLS #28001).
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 | Todd Le Pique | 526837 | Bank of America, N.A. | 399802 | Winter Park, FL | $40.6M | 8 | 72.7% |
| #2 | H. Carmen Castro Franceschi | 487229 | First Republic Bank | 362814 | — | $33.3M | 74 | 96.1% |
| #3 | Michael McCulley | 28001 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $24.0M | 17 | 89.5% |
| #4 | David Eghbali | 450328 | Change Lending, LLC | 1839 | Anaheim, CA | $15.4M | 11 | 68.8% |
| #5 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $15.0M | 19 | 90.5% |
| #6 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $14.7M | 17 | 70.8% |
| #7 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $14.6M | 16 | 80.0% |
| #8 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $14.4M | 33 | 86.8% |
| #9 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $13.7M | 22 | 91.7% |
| #10 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $12.8M | 7 | 63.6% |
| #11 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $12.1M | 13 | 72.2% |
| #12 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $11.7M | 13 | 76.5% |
| #13 | Sophep Fletcher | 438126 | Long Beach Firemen's Credit Union | 401263 | Long Beach, CA | $10.7M | 14 | 87.5% |
| #14 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $9.9M | 13 | 76.5% |
| #15 | ROBERT MINTY | 255741 | SAVERS HOME LOANS | 236336 | Laguna Hills, CA | $9.9M | 21 | 75.0% |
| #16 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $9.8M | 15 | 93.8% |
| #17 | Keith Jacobson | 168835 | Option Funding, Inc. | 163400 | Westlake Village, CA | $9.6M | 8 | 42.1% |
| #18 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $9.5M | 16 | 41.0% |
| #19 | Teymur Mammadov | 805319 | Citibank, NA | 412915 | Los Angeles, CA | $9.3M | 13 | 54.2% |
| #20 | Felix Katz | 273784 | Nuline Funding, Inc. | 1390184 | Simi Valley, CA | $9.1M | 7 | 70.0% |
| #21 | Stephen Titzer | 358153 | First Capital Advisors | 2128599 | Corona, CA | $8.9M | 19 | 100.0% |
| #22 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $8.4M | 16 | 72.7% |
| #23 | Nicole Van Gorder | 146220 | Rocket Mortgage, LLC | 3030 | — | $8.3M | 13 | 92.9% |
| #24 | Elsy Hedman | 271908 | AMH Capital, Inc. | 272185 | Pasadena, CA | $8.1M | 13 | 76.5% |
| #25 | Serene Yang | 880264 | CTBC Bank Corp.(USA). | 654332 | Irvine, CA | $7.9M | 7 | 70.0% |
| #26 | Jeremy Wilson | 950895 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $7.8M | 10 | 76.9% |
| #27 | Brian Kroskey | 954443 | U.S. Bank National Association | 402761 | Earth City, MO | $7.6M | 10 | 55.6% |
| #28 | Albert Hensling | 71287 | United American Mortgage Corporation | 1942 | Palm Desert, CA | $7.3M | 7 | 58.3% |
| #29 | Khadija Mirza | 398414 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $7.3M | 8 | 61.5% |
| #30 | Brian Baumann | 22142 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $7.0M | 10 | 76.9% |
| #31 | Nicholas Iannucci | 23370 | West Capital Lending, Inc. | 1566096 | Troy, MI | $7.0M | 7 | 70.0% |
| #32 | Vincent Newsome | 713774 | National Mortgage Funding LLC | 1939208 | Troy, MI | $6.9M | 10 | 58.8% |
| #33 | Charles Terry | 459905 | CMG Mortgage, Inc. | 1820 | Folsom, CA | $6.8M | 7 | 70.0% |
| #34 | Dexter Foos | 1409370 | CrossCountry Mortgage, LLC | 3029 | Brighton, MI | $6.5M | 9 | 64.3% |
| #35 | Richmond Kodua | 320565 | American Pacific Mortgage Corporation | 1850 | Los Angeles, CA | $6.5M | 10 | 35.7% |
| #36 | ALEX NELSON | 233991 | 1st Point Lending, Inc. | 151392 | Sherman Oaks, CA | $6.4M | 9 | 34.6% |
| #37 | Richard Helali | 668001 | HomeLight Home Loans, Inc. | 1529229 | Scottsdale, AZ | $6.3M | 8 | 42.1% |
| #38 | Evan Paul | 1719955 | Swift Home Loans, Inc. | 2075228 | Birmingham, MI | $6.1M | 9 | 75.0% |
| #39 | Alison Schweitzer | 487183 | Flagstar Bank, National Association | 417490 | Newport Beach, CA | $5.9M | 25 | 92.6% |
| #40 | Sam Shabrang | 1087476 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | $5.8M | 10 | 90.9% |
| #41 | Kent Wenzel | 142934 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.8M | 9 | 69.2% |
| #42 | Richard Radde | 322833 | West One Capital Group Inc. | 982017 | Newport Beach, CA | $5.7M | 7 | 58.3% |
| #43 | David Lerman | 391243 | CALUNION FUNDING | 1546749 | North Hollywood, CA | $5.7M | 12 | 60.0% |
| #44 | Limor Carey | 324480 | American Dream Realty, Inc. | 271582 | West Hills, CA | $5.4M | 6 | 20.0% |
| #45 | Derek Laurain | 28320 | West Capital Lending, Inc. | 1566096 | Troy, MI | $5.4M | 8 | 80.0% |
| #46 | Robert Painter | 272709 | New American Funding, LLC | 6606 | Santa Ana, CA | $5.4M | 4 | 26.7% |
| #47 | Justin Lantzman | 312223 | Lantzman Management, Inc. | 296471 | San Diego, CA | $5.2M | 4 | 19.0% |
| #48 | Mitesh Patel | 913627 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.2M | 7 | 58.3% |
| #49 | Joshua Zeidner | 1624763 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.2M | 9 | 81.8% |
| #50 | Francisco Williams | 1858674 | Vismar Corporation | 2046870 | Covina, CA | $5.1M | 14 | 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 Volume — California (2023). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume/2023
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