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 July 13, 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 | Encino, CA | $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 | 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 | 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 | Linda Goins | 2351285 | Discover Bank | 684042 | — | $2.1M | 22 | $94K |
| #18 | Angela Kilpatrick | 2358015 | Navy Federal Credit Union | 399807 | Pensacola, FL | $14.0M | 22 | $638K |
| #18 | Nicole Banks | 2308213 | Navy Federal Credit Union | 399807 | Pensacola, FL | $12.8M | 22 | $581K |
| #18 | Rochelle Hollon | 2351289 | Capital One, National Association | 453156 | — | $1.9M | 22 | $86K |
| #22 | Cassandra Rodgers | 2142830 | Discover Bank | 684042 | — | $2.5M | 21 | $117K |
| #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 |
| #27 | Tiffany Guimond | 2097381 | Primary Partners | 90225 | Irvine, CA | $7.3M | 20 | $365K |
| #27 | Alfredo Ramos | 2071101 | T.I.M.E. Lending | 2001142 | Encino, CA | $9.1M | 20 | $456K |
| #29 | Armando Fernandez | 2161748 | The Mortgage Professionals Inc | 2302276 | Bellflower, CA | $8.2M | 19 | $433K |
| #29 | Kimberly Macias | 2351287 | Capital One, National Association | 453156 | — | $2.0M | 19 | $103K |
| #29 | Young Ho Yoo | 2277426 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $12.1M | 19 | $636K |
| #29 | Gilberto Sotelo | 2005079 | Andy's Home Loans | 2280945 | Modesto, CA | $5.7M | 19 | $298K |
| #29 | Rachel Levinson | 2351268 | Capital One, National Association | 453156 | — | $2.2M | 19 | $113K |
| #34 | Bryant Duncan | 2351282 | Capital One, National Association | 453156 | — | $2.1M | 18 | $119K |
| #35 | David Schley | 2292691 | CrossCountry Mortgage, LLC | 3029 | Denville, NJ | $2.0M | 17 | $117K |
| #35 | Nicholas Ditto | 2283752 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $6.7M | 17 | $394K |
| #35 | Jonathan Miller | 1497727 | 50-50 Mortgage, Inc | 2289265 | Modesto, CA | $11.0M | 17 | $648K |
| #35 | Alan Tovar Virgen | 2351284 | Discover Bank | 684042 | — | $1.6M | 17 | $97K |
| #39 | Danielle Traute | 2351290 | Capital One, National Association | 453156 | — | $1.6M | 16 | $101K |
| #39 | Alyssa Lazaro | 2320013 | loanDepot.com, LLC | 174457 | — | $10.0M | 16 | $622K |
| #39 | Aileen Vazquez | 2358011 | Navy Federal Credit Union | 399807 | Vienna, VA | $9.4M | 16 | $589K |
| #39 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $10.3M | 16 | $646K |
| #39 | Melissa Icenhour Mitchell | 1871360 | Melissa Nicole Icenhour Mitchell | 2117198 | Roseville, CA | $7.7M | 16 | $479K |
| #39 | Brandon Forcey | 2275646 | Capital One, National Association | 453156 | — | $3.5M | 16 | $219K |
| #39 | Julia Schoettle | 2220376 | Lakeview Loan Servicing, LLC | 391521 | — | $760K | 16 | $47K |
| #39 | Jennifer Nevins | 2351293 | New American Funding, LLC | 6606 | Scottsdale, AZ | $1.3M | 16 | $78K |
| #39 | Diego Gallardo Buenrostro | 1662984 | Gold Standard Mortgage | 1779283 | Visalia, CA | $4.4M | 16 | $274K |
| #39 | Alexa Dandridge | 2252389 | Cheerlending, LLC | 1524325 | — | $4.6M | 16 | $284K |
| #39 | SHARMAINE DINDI BLOEM | 2211839 | BNB FINANCIAL INC. | 1121645 | City of Industry, CA | $8.5M | 16 | $530K |
| #50 | Tiffany Dawson | 2239767 | New Leaf Funding Inc. | 1952509 | Irvine, CA | $6.7M | 15 | $450K |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units/2022
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