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 October 11, 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 | Robert Felix | 2243763 | Lennar Mortgage, LLC | 1058 | — | $19.2M | 44 | $436K |
| #4 | Christopher Nelson | 2184790 | Rancho Vista Mortgage Corporation | 241748 | — | $29.0M | 44 | $660K |
| #6 | Diana Munoz-Isidoro | 2258402 | Andy's Home Loans | 2280945 | Bakersfield, CA | $11.0M | 39 | $282K |
| #6 | Daniel Torres | 2222456 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $6.3M | 39 | $161K |
| #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 | Chet Button | 2226543 | Active Link, Inc. | 2387382 | — | $4.2M | 28 | $148K |
| #11 | Oscar Ramos | 346936 | WE mortgage | 39160 | Downey, CA | $13.4M | 28 | $480K |
| #13 | Michael Bardales | 387728 | Umana Real Estate Group Inc | 2285293 | — | $14.7M | 27 | $543K |
| #13 | Fernando Barron | 1979370 | Andy's Home Loans | 2280945 | Modesto, CA | $9.7M | 27 | $359K |
| #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 | 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 |
| #18 | Rochelle Hollon | 2351289 | Capital One, National Association | 453156 | — | $1.9M | 22 | $86K |
| #18 | Linda Goins | 2351285 | Discover Bank | 684042 | — | $2.1M | 22 | $94K |
| #22 | Shannon Perry | 2351283 | Discover Bank | 684042 | — | $2.6M | 21 | $122K |
| #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 | 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 |
| #22 | Ryan Zoss | 8314 | Guaranteed Rate, Inc. | 2611 | Newport Beach, CA | $13.0M | 21 | $619K |
| #28 | Alfredo Ramos | 2071101 | T.I.M.E. Lending | 2001142 | — | $9.1M | 20 | $456K |
| #28 | Tiffany Brower | 2097381 | Primary Partners | 90225 | Irvine, CA | $7.3M | 20 | $365K |
| #28 | Young Ho Yoo | 2277426 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $12.5M | 20 | $624K |
| #31 | Kimberly Macias | 2351287 | Capital One, National Association | 453156 | — | $2.0M | 19 | $103K |
| #31 | Gilberto Sotelo | 2005079 | Andy's Home Loans | 2280945 | Modesto, CA | $5.7M | 19 | $298K |
| #31 | Rachel Levinson | 2351268 | Capital One, National Association | 453156 | — | $2.2M | 19 | $113K |
| #31 | Armando Fernandez | 2161748 | The Mortgage Professionals Inc | 2302276 | Bellflower, CA | $8.2M | 19 | $433K |
| #31 | Yang Cui | 1776396 | AITON CAPITAL INC | 2471360 | City of Industry, CA | $10.4M | 19 | $548K |
| #36 | Alan Tovar Virgen | 2351284 | Discover Bank | 684042 | — | $1.8M | 18 | $98K |
| #36 | Bryant Duncan | 2351282 | Capital One, National Association | 453156 | — | $2.1M | 18 | $119K |
| #38 | David Schley | 2292691 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $2.0M | 17 | $117K |
| #38 | Diego Gallardo Buenrostro | 1662984 | Gold Standard Mortgage | 1779283 | Visalia, CA | $4.4M | 17 | $258K |
| #38 | Nicholas Ditto | 2283752 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $6.7M | 17 | $394K |
| #38 | Jonathan Miller | 1497727 | 50-50 Mortgage, Inc | 2289265 | Modesto, CA | $11.0M | 17 | $648K |
| #42 | SHARMAINE DINDI BLOEM | 2211839 | BNB FINANCIAL INC. | 1121645 | City of Industry, CA | $8.5M | 16 | $530K |
| #42 | Alyssa Lazaro | 2320013 | loanDepot.com, LLC | 174457 | — | $10.0M | 16 | $622K |
| #42 | Brandon Forcey | 2275646 | Capital One, National Association | 453156 | — | $3.5M | 16 | $219K |
| #42 | Aileen Vazquez | 2358011 | Navy Federal Credit Union | 399807 | Vienna, VA | $9.4M | 16 | $589K |
| #42 | Julia Schoettle | 2220376 | Lakeview Loan Servicing, LLC | 391521 | — | $760K | 16 | $47K |
| #42 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $10.3M | 16 | $646K |
| #42 | Melissa Icenhour Mitchell | 1871360 | Melissa Nicole Icenhour Mitchell | 2117198 | Roseville, CA | $7.7M | 16 | $479K |
| #42 | Jennifer Nevins | 2351293 | New American Funding, LLC | 6606 | Scottsdale, AZ | $1.3M | 16 | $78K |
| #42 | Alexa Dandridge | 2252389 | Cheerlending, LLC | 1524325 | — | $4.6M | 16 | $284K |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units/2022
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