Leading rookies in California in 2022, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Derrick Ho (D&A REALTY AND MORTGAGE INC, NMLS #713821), Laurie Neto (1ST UNITED CREDIT UNION, NMLS #2341161), and Ralph Richardson (T.I.M.E. Lending, NMLS #2341565).
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 | 2022 Volume | 2022 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Derrick Ho | 713821 | D&A REALTY AND MORTGAGE INC | 2260764 | Cypress, CA | $41.7M | 55 | $759K |
| #2 | Laurie Neto | 2341161 | 1ST UNITED CREDIT UNION | 594075 | Pleasanton, CA | $5.5M | 53 | $103K |
| #3 | Ralph Richardson | 2341565 | T.I.M.E. Lending | 2001142 | — | $23.4M | 49 | $477K |
| #4 | Christopher Nelson | 2184790 | Rancho Vista Mortgage Corporation | 241748 | — | $29.0M | 44 | $660K |
| #4 | Robert Felix | 2243763 | Lennar Mortgage, LLC | 1058 | — | $19.2M | 44 | $436K |
| #6 | Daniel Torres | 2222456 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $6.3M | 39 | $161K |
| #6 | Diana Munoz-Isidoro | 2258402 | Andy's Home Loans | 2280945 | Bakersfield, CA | $11.0M | 39 | $282K |
| #8 | Frankie Fragoso | 1994224 | C & C FINANCIAL, CORP | 1054224 | Anaheim, CA | $14.7M | 37 | $397K |
| #9 | Karleen Stemler | 2278389 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $12.3M | 30 | $409K |
| #10 | Nicole Lozano | 2316160 | Discover Bank | 684042 | — | $3.4M | 29 | $117K |
| #11 | Oscar Ramos | 346936 | SUPER RATE LENDING | 39160 | Downey, CA | $13.4M | 28 | $480K |
| #11 | Chet Button | 2226543 | Active Link, Inc. | 2387382 | — | $4.2M | 28 | $148K |
| #13 | Fernando Barron | 1979370 | Andy's Home Loans | 2280945 | Modesto, CA | $9.7M | 27 | $359K |
| #13 | Michael Bardales | 387728 | Umana Real Estate Group Inc | 2285293 | — | $14.7M | 27 | $543K |
| #15 | James DeLucia | 2386537 | Fremont Bank | 478471 | Livermore, CA | $8.8M | 26 | $339K |
| #16 | Geneline Bernales | 2316162 | Discover Bank | 684042 | — | $2.6M | 25 | $102K |
| #17 | Knox Parker | 2373104 | Navy Federal Credit Union | 399807 | — | $13.5M | 24 | $561K |
| #18 | Linda Goins | 2351285 | Discover Bank | 684042 | — | $2.1M | 22 | $94K |
| #18 | Rochelle Hollon | 2351289 | Capital One, National Association | 453156 | — | $1.9M | 22 | $86K |
| #18 | Nicole Banks | 2308213 | Navy Federal Credit Union | 399807 | — | $12.8M | 22 | $581K |
| #18 | Angela Kilpatrick | 2358015 | Navy Federal Credit Union | 399807 | Pensacola, FL | $14.0M | 22 | $638K |
| #22 | Guadalupe Rivera | 2351271 | Discover Bank | 684042 | — | $2.6M | 21 | $126K |
| #22 | Jacqueline Barraza | 1885597 | Clear Mortgage Capital, Inc. | 1935005 | Irvine, CA | $12.6M | 21 | $600K |
| #22 | Shannon Perry | 2351283 | Discover Bank | 684042 | — | $2.6M | 21 | $122K |
| #22 | Laura Angel-Hernandez | 2144044 | Equity Smart Home Loans, Inc. | 856170 | South Pasadena, CA | $8.9M | 21 | $425K |
| #22 | Cassandra Rodgers | 2142830 | Discover Bank | 684042 | — | $2.5M | 21 | $117K |
| #27 | Alfredo Ramos | 2071101 | T.I.M.E. Lending | 2001142 | — | $9.1M | 20 | $456K |
| #27 | Tiffany Guimond | 2097381 | Primary Partners | 90225 | Irvine, CA | $7.3M | 20 | $365K |
| #29 | Young Ho Yoo | 2277426 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $12.1M | 19 | $636K |
| #29 | Rachel Levinson | 2351268 | Capital One, National Association | 453156 | — | $2.2M | 19 | $113K |
| #29 | Kimberly Macias | 2351287 | Capital One, National Association | 453156 | — | $2.0M | 19 | $103K |
| #29 | Gilberto Sotelo | 2005079 | Andy's Home Loans | 2280945 | Modesto, CA | $5.7M | 19 | $298K |
| #29 | Armando Fernandez | 2161748 | The Mortgage Professionals Inc | 2302276 | Bellflower, CA | $8.2M | 19 | $433K |
| #34 | Bryant Duncan | 2351282 | Capital One, National Association | 453156 | — | $2.1M | 18 | $119K |
| #35 | Nicholas Ditto | 2283752 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $6.7M | 17 | $394K |
| #35 | Alan Tovar Virgen | 2351284 | Discover Bank | 684042 | — | $1.6M | 17 | $97K |
| #35 | Jonathan Miller | 1497727 | 50-50 Mortgage, Inc | 2289265 | Modesto, CA | $11.0M | 17 | $648K |
| #35 | David Schley | 2292691 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $2.0M | 17 | $117K |
| #39 | Diego Gallardo Buenrostro | 1662984 | Gold Standard Mortgage | 1779283 | Visalia, CA | $4.4M | 16 | $274K |
| #39 | SHARMAINE DINDI BLOEM | 2211839 | BNB FINANCIAL INC. | 1121645 | City of Industry, CA | $8.5M | 16 | $530K |
| #39 | Julia Schoettle | 2220376 | Lakeview Loan Servicing, LLC | 391521 | — | $760K | 16 | $47K |
| #39 | Melissa Icenhour Mitchell | 1871360 | Melissa Nicole Icenhour Mitchell | 2117198 | Roseville, CA | $7.7M | 16 | $479K |
| #39 | Danielle Traute | 2351290 | Capital One, National Association | 453156 | — | $1.6M | 16 | $101K |
| #39 | Jennifer Nevins | 2351293 | New American Funding, LLC | 6606 | Scottsdale, AZ | $1.3M | 16 | $78K |
| #39 | Aileen Vazquez | 2358011 | Navy Federal Credit Union | 399807 | Vienna, VA | $9.4M | 16 | $589K |
| #39 | Alyssa Lazaro | 2320013 | loanDepot.com, LLC | 174457 | — | $10.0M | 16 | $622K |
| #39 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $10.3M | 16 | $646K |
| #39 | Alexa Dandridge | 2252389 | Cheerlending, LLC | 1524325 | — | $4.6M | 16 | $284K |
| #39 | Brandon Forcey | 2275646 | Capital One, National Association | 453156 | — | $3.5M | 16 | $219K |
| #50 | Bryan Eshagh | 331362 | Great Central Mortgage Corporation | 237919 | Turlock, CA | $6.1M | 15 | $407K |
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 (2022). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units/2022
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