Leading rookies in California in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 2026, the top 3 include DAE CHOI (JSB Mortgage Corporation, NMLS #2764547), Bobby Le (SchoolsFirst Federal Credit Union, NMLS #2837928), and Sandy Jacob (Rocket Mortgage, LLC, NMLS #2812001).
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 | YTD Volume | YTD Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | DAE CHOI | 2764547 | JSB Mortgage Corporation | 1558084 | Monterey Park, CA | $26.8M | 40 | $670K |
| #2 | Bobby Le | 2837928 | SchoolsFirst Federal Credit Union | 405503 | Long Beach, CA | $2.9M | 23 | $126K |
| #3 | Sandy Jacob | 2812001 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $3.6M | 19 | $190K |
| #4 | Wayne Kim | 2786861 | JSB Mortgage Corporation | 1558084 | Monterey Park, CA | $16.7M | 18 | $928K |
| #5 | Kathryn Feldman | 2847544 | Third Federal Savings & Loan Association | 449401 | Cleveland, OH | $2.5M | 17 | $149K |
| #6 | Daniel Curtis | 2737709 | PennyMac Loan Services, LLC | 35953 | — | $4.2M | 16 | $263K |
| #6 | Sri harsha Grandhi | 2770565 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $11.2M | 16 | $702K |
| #6 | Erickson Bondoc | 2831354 | Water and Power Community Credit Union | 525600 | Los Angeles, CA | $11.3M | 16 | $707K |
| #6 | Ketch Gannon | 2757756 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $12.4M | 16 | $774K |
| #10 | Lee Garoutte | 360998 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $3.4M | 14 | $244K |
| #10 | Jessica Dye | 2803052 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $7.5M | 14 | $537K |
| #10 | Jake Parker | 2763475 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $7.1M | 14 | $505K |
| #13 | Jose Cerrato | 1203665 | Golden Empire Mortgage, Inc. | 2427 | Escondido, CA | $6.7M | 13 | $513K |
| #13 | Daniel Denham | 2770436 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $3.7M | 13 | $287K |
| #13 | Eric Grollman | 2786401 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $4.4M | 13 | $340K |
| #16 | Matthew Schubert | 2778914 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $3.4M | 12 | $283K |
| #16 | Ramy Labib | 2162320 | JR PRIME INC | 2724050 | Bellflower, CA | $8.1M | 12 | $674K |
| #16 | Jose Fuentes | 2811992 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $2.5M | 12 | $211K |
| #19 | Michael Gunderson | 2801442 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $2.1M | 11 | $192K |
| #19 | Natalie Cortez | 2776422 | HILLHURST MORTGAGE, INC. | 248170 | Mesa, AZ | $7.0M | 11 | $637K |
| #19 | Ciara Weissman | 2813385 | American Internet Mortgage, Inc. | 2890 | San Diego, CA | $3.7M | 11 | $339K |
| #19 | Cody Hess | 2802793 | Onity Mortgage Corporation | 2726 | Plano, TX | $3.9M | 11 | $351K |
| #23 | Sean Dibsy | 2236623 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $5.4M | 10 | $538K |
| #23 | Seth Bailey | 2824690 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $1.2M | 10 | $120K |
| #23 | Cedric Gray | 2799393 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $4.3M | 10 | $427K |
| #23 | Jonathan Nguyen | 2784835 | PennyMac Loan Services, LLC | 35953 | — | $3.0M | 10 | $303K |
| #23 | Matthew Hinojosa | 2833639 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $2.3M | 10 | $233K |
| #23 | Erick Garza | 2833638 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $2.0M | 10 | $203K |
| #23 | Cristian Godina | 2802847 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $791K | 10 | $79K |
| #30 | Jesus Cruz | 2775718 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $3.2M | 9 | $354K |
| #30 | Alejandro Antonio Gonzalez | 2590298 | CMR FINANCIAL SERVICES INC | 1947091 | West Covina, CA | $5.5M | 9 | $606K |
| #30 | Michael Davis | 2329505 | C & C FINANCIAL, CORP | 1054224 | Anaheim, CA | $7.3M | 9 | $817K |
| #30 | Tyvan Lindbeck | 2806981 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $1.2M | 9 | $130K |
| #30 | Joseph Romero | 2756861 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $4.3M | 9 | $478K |
| #30 | Gustavo Perez | 2821356 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $2.1M | 9 | $232K |
| #30 | Javier Torres | 2817770 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $2.3M | 9 | $261K |
| #37 | Jagdish Singh | 2734008 | Loan Factory, Inc. | 320841 | Stockton, CA | $4.6M | 8 | $580K |
| #37 | Hardik Arora | 2735365 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $7.5M | 8 | $944K |
| #37 | Frank Hardy | 2806556 | loanDepot.com, LLC | 174457 | Chandler, AZ | $2.0M | 8 | $244K |
| #37 | Arianna Avila | 1369402 | JPS Lenders, LTD. | 1206623 | Clovis, CA | $2.4M | 8 | $302K |
| #37 | James Greco | 2818162 | Global Equity Finance, Inc. | 13116 | San Diego, CA | $2.1M | 8 | $263K |
| #37 | Edgar Ramirez | 2833640 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $1.6M | 8 | $201K |
| #37 | Adam VanderPloeg | 2834080 | JPMorgan Chase Bank, National Association | 399798 | Tempe, AZ | $1.1M | 8 | $135K |
| #37 | Edward Weber | 41763 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $1.9M | 8 | $239K |
| #45 | Edward Scott | 2804056 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $1.4M | 7 | $193K |
| #45 | Shelby Caldwell | 2798190 | AQHL Bancorp | 1765663 | West Covina, CA | $3.9M | 7 | $552K |
| #45 | Bryan McCarthy | 2769344 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $3.8M | 7 | $536K |
| #45 | MUHAMMAD BAGRHIAY | 474501 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $2.9M | 7 | $416K |
| #45 | Roger Martin | 2817636 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $900K | 7 | $129K |
| #45 | Cristian Mendoza | 2802740 | Onity Mortgage Corporation | 2726 | Plano, TX | $2.6M | 7 | $367K |
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. Leading Rookies by Loan Count — California. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units
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