Retention champions in California in 2026, 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 Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), Brian Minkow (CMG Mortgage, Inc., NMLS #256638), and Claudia Castillo (JPMorgan Chase Bank, National Association, NMLS #529944).
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 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $78.8M | 53 | 84.1% |
| #2 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $72.8M | 62 | 81.6% |
| #3 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $55.2M | 6 | 54.5% |
| #4 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $51.5M | 34 | 69.4% |
| #5 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $50.9M | 42 | 82.4% |
| #6 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $48.6M | 33 | 61.1% |
| #7 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $42.3M | 34 | 44.2% |
| #8 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $41.4M | 45 | 86.5% |
| #9 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $36.6M | 27 | 90.0% |
| #10 | Gregory Krolikowski | 801940 | Goldman Sachs Bank USA | 208156 | Los Angeles, CA | $36.5M | 7 | 58.3% |
| #11 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $33.7M | 45 | 45.9% |
| #12 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $33.4M | 20 | 54.1% |
| #13 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $33.2M | 27 | 57.4% |
| #14 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $33.2M | 27 | 87.1% |
| #15 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $32.3M | 29 | 65.9% |
| #16 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $31.8M | 36 | 66.7% |
| #17 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $31.0M | 23 | 85.2% |
| #18 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $30.9M | 24 | 43.6% |
| #19 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $30.8M | 22 | 61.1% |
| #20 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $30.6M | 25 | 83.3% |
| #21 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $29.3M | 20 | 74.1% |
| #22 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $28.9M | 24 | 72.7% |
| #23 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.8M | 28 | 71.8% |
| #24 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 20 | 83.3% |
| #25 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $28.5M | 31 | 73.8% |
| #26 | John Farrell | 374639 | U.S. Bank National Association | 402761 | Hopkins, MN | $27.3M | 20 | 90.9% |
| #27 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $27.2M | 26 | 66.7% |
| #28 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $27.0M | 11 | 45.8% |
| #29 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $27.0M | 41 | 75.9% |
| #30 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $26.9M | 34 | 72.3% |
| #31 | Bruce Brewer | 514039 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $26.8M | 6 | 46.2% |
| #32 | Sahar Abassi | 419882 | U.S. Bank National Association | 402761 | Hopkins, MN | $26.5M | 17 | 81.0% |
| #33 | Justin Brilman | 1137704 | U.S. Bank National Association | 402761 | Earth City, MO | $26.2M | 23 | 88.5% |
| #34 | RICHARD MYERS | 243493 | U.S. Bank National Association | 402761 | Boise, ID | $26.0M | 14 | 66.7% |
| #35 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $25.8M | 24 | 72.7% |
| #36 | Richard Ellis | 295206 | Citibank, NA | 412915 | Manhattan Beach, CA | $25.7M | 18 | 75.0% |
| #37 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $25.4M | 28 | 57.1% |
| #38 | Hong Sha | 235461 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $25.2M | 16 | 20.5% |
| #39 | Rashi Jani | 1421191 | Bank of America, N.A. | 399802 | Cupertino, CA | $24.9M | 17 | 73.9% |
| #40 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $24.0M | 15 | 40.5% |
| #41 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $24.0M | 17 | 56.7% |
| #42 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $23.3M | 41 | 53.2% |
| #43 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $23.1M | 24 | 75.0% |
| #44 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $22.6M | 19 | 48.7% |
| #45 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $22.6M | 22 | 71.0% |
| #46 | Melissa Velasquez | 633920 | Wells Fargo Bank, National Association | 399801 | Beverly Hills, CA | $22.4M | 8 | 80.0% |
| #47 | Limah Mangal | 633576 | Citibank, NA | 412915 | Dublin, CA | $22.0M | 18 | 58.1% |
| #48 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $21.9M | 27 | 69.2% |
| #49 | Gurpreet Singh | 1183519 | First Technology Federal Credit Union | 466914 | Cupertino, CA | $21.9M | 17 | 65.4% |
| #50 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $21.5M | 22 | 62.9% |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume/2026
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