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 May 28, 2026, the top 3 include Laurie Neto (1ST UNITED CREDIT UNION, NMLS #2341161), Derrick Ho (D&A REALTY AND MORTGAGE INC, NMLS #713821), 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 | Laurie Neto | 2341161 | 1ST UNITED CREDIT UNION | 594075 | Pleasanton, CA | $5.5M | 53 | $103K |
| #2 | Derrick Ho | 713821 | D&A REALTY AND MORTGAGE INC | 2260764 | Cypress, CA | $38.0M | 52 | $731K |
| #3 | Ralph Richardson | 2341565 | T.I.M.E. Lending | 2001142 | Encino, CA | $22.9M | 48 | $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 | 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 | Oscar Ramos | 346936 | SUPER RATE LENDING | 39160 | Downey, CA | $13.4M | 28 | $480K |
| #11 | Chet Button | 2226543 | Active Link, Inc. | 2387382 | Tustin, CA | $4.2M | 28 | $148K |
| #13 | Michael Bardales | 387728 | Umana Real Estate Group Inc | 2285293 | — | $14.7M | 27 | $543K |
| #14 | James DeLucia | 2386537 | Fremont Bank | 478471 | Livermore, CA | $8.8M | 26 | $339K |
| #14 | Fernando Barron | 1979370 | Andy's Home Loans | 2280945 | Modesto, CA | $9.3M | 26 | $359K |
| #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 | 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 | Guadalupe Rivera | 2351271 | Discover Bank | 684042 | — | $2.6M | 21 | $126K |
| #22 | Cassandra Rodgers | 2142830 | Discover Bank | 684042 | — | $2.5M | 21 | $117K |
| #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 |
| #28 | Alfredo Ramos | 2071101 | T.I.M.E. Lending | 2001142 | Encino, CA | $8.6M | 19 | $452K |
| #28 | Rachel Levinson | 2351268 | Capital One, National Association | 453156 | — | $2.2M | 19 | $113K |
| #28 | Armando Fernandez | 2161748 | The Mortgage Professionals Inc | 2302276 | Bellflower, CA | $8.2M | 19 | $433K |
| #28 | Gilberto Sotelo | 2005079 | Andy's Home Loans | 2280945 | Modesto, CA | $5.7M | 19 | $298K |
| #28 | Young Ho Yoo | 2277426 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $12.1M | 19 | $636K |
| #28 | Kimberly Macias | 2351287 | Capital One, National Association | 453156 | — | $2.0M | 19 | $103K |
| #34 | Bryant Duncan | 2351282 | Capital One, National Association | 453156 | — | $2.1M | 18 | $119K |
| #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 |
| #38 | Diego Gallardo Buenrostro | 1662984 | Gold Standard Mortgage | 1779283 | Visalia, CA | $4.4M | 16 | $274K |
| #38 | SHARMAINE DINDI BLOEM | 2211839 | BNB FINANCIAL INC. | 1121645 | City of Industry, CA | $8.5M | 16 | $530K |
| #38 | Danielle Traute | 2351290 | Capital One, National Association | 453156 | — | $1.6M | 16 | $101K |
| #38 | Nicholas Ditto | 2283752 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $6.3M | 16 | $394K |
| #38 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $10.3M | 16 | $646K |
| #38 | Alexa Dandridge | 2252389 | Cheerlending, LLC | 1524325 | — | $4.6M | 16 | $284K |
| #38 | Brandon Forcey | 2275646 | Capital One, National Association | 453156 | — | $3.5M | 16 | $219K |
| #38 | Julia Schoettle | 2220376 | Lakeview Loan Servicing, LLC | 391521 | — | $760K | 16 | $47K |
| #38 | Alyssa Lazaro | 2320013 | loanDepot.com, LLC | 174457 | — | $10.0M | 16 | $622K |
| #38 | Jennifer Nevins | 2351293 | New American Funding, LLC | 6606 | Scottsdale, AZ | $1.3M | 16 | $78K |
| #38 | Aileen Vazquez | 2358011 | Navy Federal Credit Union | 399807 | Vienna, VA | $9.4M | 16 | $589K |
| #38 | Melissa Icenhour Mitchell | 1871360 | Melissa Nicole Icenhour Mitchell | 2117198 | Roseville, CA | $7.7M | 16 | $479K |
| #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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units/2022
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