Retention champions in California in 2025, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), and Ryan Purpero (U.S. Bank National Association, NMLS #68409).
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 | $130.0M | 94 | 71.8% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $123.0M | 80 | 82.5% |
| #3 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $96.6M | 72 | 75.0% |
| #4 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $89.0M | 51 | 59.3% |
| #5 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $83.6M | 72 | 75.0% |
| #6 | Liping Yi | 1241368 | Citibank, NA | 412915 | Sunnyvale, CA | $82.0M | 56 | 70.9% |
| #7 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $77.4M | 60 | 53.6% |
| #8 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $77.1M | 61 | 64.2% |
| #9 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $75.0M | 45 | 52.3% |
| #10 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $74.1M | 48 | 57.8% |
| #11 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $70.2M | 52 | 50.0% |
| #12 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $70.1M | 58 | 85.3% |
| #13 | Yuanzhu Li | 2005118 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $70.0M | 47 | 37.3% |
| #14 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $68.3M | 48 | 76.2% |
| #15 | Limah Mangal | 633576 | loanDepot.com, LLC | 174457 | San Ramon, CA | $67.8M | 61 | 78.2% |
| #16 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $65.9M | 53 | 85.5% |
| #17 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $65.7M | 93 | 45.4% |
| #18 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $65.1M | 49 | 58.3% |
| #19 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $64.1M | 45 | 84.9% |
| #20 | Mohamed Eltawy | 450660 | Guaranteed Rate, Inc. | 2611 | San Diego, CA | $61.5M | 42 | 80.8% |
| #21 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $58.3M | 41 | 78.8% |
| #22 | Sheila Berger | 1493332 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $57.9M | 25 | 73.5% |
| #23 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $55.4M | 34 | 44.7% |
| #24 | Xueyan Jiang | 1778426 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $54.2M | 38 | 24.1% |
| #25 | Keyurkumar Parikh | 1551916 | Bank of America, N.A. | 399802 | Fremont, CA | $53.3M | 40 | 78.4% |
| #26 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $52.2M | 35 | 64.8% |
| #27 | Sean Kitagawa | 98855 | JPMorgan Chase Bank, National Association | 399798 | Fremont, CA | $51.4M | 39 | 69.6% |
| #28 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $49.6M | 35 | 44.9% |
| #29 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $47.7M | 42 | 67.7% |
| #30 | Yan Xu | 339629 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $47.3M | 42 | 79.2% |
| #31 | Hong Sha | 235461 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $47.2M | 28 | 21.5% |
| #32 | James Nesmith | 814695 | City National Bank | 536994 | Los Angeles, CA | $46.8M | 26 | 56.5% |
| #33 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $46.7M | 27 | 81.8% |
| #34 | Sujata Singh | 413571 | Bank of America, N.A. | 399802 | San Jose, CA | $46.1M | 31 | 56.4% |
| #35 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $45.3M | 46 | 73.0% |
| #36 | Rashi Jani | 1421191 | Bank of America, N.A. | 399802 | Cupertino, CA | $44.2M | 34 | 70.8% |
| #37 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $44.1M | 39 | 62.9% |
| #38 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $43.8M | 38 | 61.3% |
| #39 | Christopher Zolezzi | 459881 | Goldman Sachs Bank USA | 208156 | San Francisco, CA | $43.7M | 12 | 70.6% |
| #40 | Unbreen Farooqui | 527380 | PNC Bank, National Association | 446303 | San Francisco, CA | $43.4M | 34 | 58.6% |
| #41 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $43.0M | 33 | 47.8% |
| #42 | Annie Yan | 1019071 | Wells Fargo Bank, National Association | 399801 | San Leandro, CA | $42.7M | 30 | 62.5% |
| #43 | Joshua Krakower | 1410556 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $42.6M | 23 | 67.6% |
| #44 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $42.5M | 26 | 63.4% |
| #45 | Xin Shen | 321917 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $42.5M | 22 | 18.5% |
| #46 | Viral Vora | 1656903 | City National Bank | 536994 | Los Angeles, CA | $42.2M | 26 | 68.4% |
| #47 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $42.2M | 42 | 64.6% |
| #48 | Sahar Abassi | 419882 | U.S. Bank National Association | 402761 | Hopkins, MN | $42.0M | 27 | 77.1% |
| #49 | John Farrell | 374639 | Zions Bancorporation, National Association | 467014 | Irvine, CA | $41.8M | 36 | 80.0% |
| #50 | Shan Wang | 1830093 | Bank of America, N.A. | 399802 | Cupertino, CA | $41.8M | 31 | 67.4% |
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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume/2025
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