Retention champions in California in 2024, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Yuanzhu Li (Wells Fargo Bank, National Association, NMLS #2005118), Brian Minkow (CMG Mortgage, Inc., NMLS #256638), and Joanna Yu (U.S. Bank National Association, NMLS #490225).
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 | Yuanzhu Li | 2005118 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $150.3M | 107 | 80.5% |
| #2 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $79.8M | 72 | 76.6% |
| #3 | Joanna Yu | 490225 | U.S. Bank National Association | 402761 | Earth City, MO | $54.6M | 29 | 72.5% |
| #4 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $48.0M | 38 | 73.1% |
| #5 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $41.6M | 39 | 81.3% |
| #6 | Joseph Summers | 189858 | U.S. Bank National Association | 402761 | Chicago, IL | $41.1M | 32 | 80.0% |
| #7 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $38.1M | 30 | 93.8% |
| #8 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $34.7M | 27 | 90.0% |
| #9 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.4M | 27 | 79.4% |
| #10 | Erin Halliday | 872898 | New American Funding, LLC | 6606 | Huntington Beach, CA | $33.9M | 35 | 87.5% |
| #11 | Xueyan Jiang | 1778426 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $33.0M | 18 | 33.3% |
| #12 | Eduardo Garcia | 330696 | U.S. Bank National Association | 402761 | Earth City, MO | $31.2M | 21 | 87.5% |
| #13 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $31.1M | 22 | 55.0% |
| #14 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $30.2M | 18 | 64.3% |
| #15 | Tahminae Maker | 587751 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $30.1M | 26 | 63.4% |
| #16 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $29.9M | 19 | 70.4% |
| #17 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $29.8M | 26 | 68.4% |
| #18 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.2M | 27 | 67.5% |
| #19 | Adam Liebross | 1885282 | City National Bank | 536994 | Los Angeles, CA | $28.0M | 12 | 44.4% |
| #20 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $27.6M | 28 | 77.8% |
| #21 | David Eghbali | 450328 | Change Lending, LLC | 1839 | Anaheim, CA | $27.3M | 20 | 64.5% |
| #22 | Christian Griffin | 976102 | Stone Bridge Mortgage Inc | 1938081 | Solana Beach, CA | $26.9M | 34 | 64.2% |
| #23 | David Henderson | 1183120 | U.S. Bank National Association | 402761 | Earth City, MO | $26.7M | 21 | 65.6% |
| #24 | Pejman Kamali | 1042286 | U.S. Bank National Association | 402761 | Earth City, MO | $26.5M | 25 | 80.6% |
| #25 | Thuan Luong | 1116792 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $25.8M | 21 | 77.8% |
| #26 | Max Bottaro | 463626 | PNC Bank, National Association | 446303 | Los Gatos, CA | $25.7M | 17 | 45.9% |
| #27 | Unbreen Farooqui | 527380 | PNC Bank, National Association | 446303 | San Francisco, CA | $25.5M | 18 | 56.3% |
| #28 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $25.1M | 16 | 84.2% |
| #29 | Nirmalya Modak | 633685 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $25.0M | 23 | 79.3% |
| #30 | Khadija Mirza | 398414 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $25.0M | 25 | 69.4% |
| #31 | Yan Xu | 339629 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $24.2M | 18 | 75.0% |
| #32 | Ravneet Hanjraa | 667373 | U.S. Bank National Association | 402761 | Los Gatos, CA | $24.1M | 21 | 58.3% |
| #33 | Angelo Kircos | 181801 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $23.8M | 25 | 89.3% |
| #34 | RICHARD MYERS | 243493 | U.S. Bank National Association | 402761 | Boise, ID | $23.6M | 15 | 78.9% |
| #35 | Keyurkumar Parikh | 1551916 | Bank of America, N.A. | 399802 | Fremont, CA | $23.6M | 16 | 80.0% |
| #36 | Michelle Kim | 410072 | HSBC Bank USA National Association | 399799 | Beverly Hills, CA | $23.0M | 9 | 64.3% |
| #37 | Kai Lee | 291318 | Guaranteed Rate Affinity, LLC | 1598647 | Fremont, CA | $21.9M | 20 | 66.7% |
| #38 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $21.6M | 18 | 30.5% |
| #39 | Joni Mi | 984098 | HSBC Bank USA National Association | 399799 | Fremont, CA | $21.0M | 11 | 57.9% |
| #40 | Xin Shen | 321917 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $20.9M | 10 | 55.6% |
| #41 | Sanzio Garcia | 483746 | U.S. Bank National Association | 402761 | Earth City, MO | $20.9M | 19 | 100.0% |
| #42 | Brandon Knapp | 320770 | CrossCountry Mortgage, LLC | 3029 | San Jose, CA | $20.7M | 14 | 60.9% |
| #43 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.7M | 25 | 86.2% |
| #44 | Sean Crowley | 997988 | CrossCountry Mortgage, LLC | 3029 | Larkspur, CA | $20.3M | 18 | 72.0% |
| #45 | Kamna Mittal | 926641 | Guaranteed Rate Affinity, LLC | 1598647 | Fremont, CA | $20.1M | 14 | 58.3% |
| #46 | Jerilyn Rittgers-Shaw | 337983 | C2 Financial Corporation | 135622 | San Diego, CA | $19.9M | 23 | 57.5% |
| #47 | Mohamed Eltawy | 450660 | Guaranteed Rate, Inc. | 2611 | San Diego, CA | $19.4M | 15 | 71.4% |
| #48 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $19.0M | 20 | 64.5% |
| #49 | Jason Osenton | 21487 | loanDepot.com, LLC | 174457 | San Ramon, CA | $18.8M | 19 | 82.6% |
| #50 | Joshua Jelsing | 296707 | PGS Home Loans, Inc. | 1665909 | Carlsbad, CA | $18.8M | 27 | 54.0% |
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 (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume/2024
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