Leading rookies in California in 2026, 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 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 | 2026 Volume | 2026 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | DAE CHOI | 2764547 | JSB Mortgage Corporation | 1558084 | Monterey Park, CA | $27.9M | 41 | $680K |
| #2 | Bobby Le | 2837928 | SchoolsFirst Federal Credit Union | 405503 | Long Beach, CA | $3.2M | 25 | $130K |
| #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 |
| #5 | Erickson Bondoc | 2831354 | Water and Power Community Credit Union | 525600 | Los Angeles, CA | $11.4M | 17 | $671K |
| #7 | Ketch Gannon | 2757756 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $12.4M | 16 | $774K |
| #7 | Sri harsha Grandhi | 2770565 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $11.2M | 16 | $702K |
| #7 | Daniel Curtis | 2737709 | PennyMac Loan Services, LLC | 35953 | — | $4.2M | 16 | $263K |
| #10 | Jake Parker | 2763475 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $7.1M | 14 | $505K |
| #10 | Jessica Dye | 2803052 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $7.5M | 14 | $537K |
| #10 | Lee Garoutte | 360998 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $3.4M | 14 | $244K |
| #13 | Daniel Denham | 2770436 | PennyMac Loan Services, LLC | 35953 | — | $3.7M | 13 | $287K |
| #13 | Eric Grollman | 2786401 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $4.4M | 13 | $340K |
| #13 | Jose Cerrato | 1203665 | Golden Empire Mortgage, Inc. | 2427 | Escondido, CA | $6.7M | 13 | $513K |
| #16 | Jose Fuentes | 2811992 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $2.5M | 12 | $211K |
| #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 |
| #19 | Natalie Cortez | 2776422 | HILLHURST MORTGAGE, INC. | 248170 | Mesa, AZ | $7.0M | 11 | $637K |
| #19 | Erick Garza | 2833638 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $2.4M | 11 | $218K |
| #19 | Matthew Hinojosa | 2833639 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $2.4M | 11 | $217K |
| #19 | Ciara Weissman | 2813385 | American Internet Mortgage, Inc. | 2890 | San Diego, CA | $3.7M | 11 | $339K |
| #19 | Michael Gunderson | 2801442 | PennyMac Loan Services, LLC | 35953 | — | $2.1M | 11 | $192K |
| #19 | Cody Hess | 2802793 | Onity Mortgage Corporation | 2726 | Plano, TX | $3.9M | 11 | $351K |
| #25 | Jonathan Nguyen | 2784835 | PennyMac Loan Services, LLC | 35953 | — | $3.0M | 10 | $303K |
| #25 | Cedric Gray | 2799393 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $4.3M | 10 | $427K |
| #25 | Cristian Godina | 2802847 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $791K | 10 | $79K |
| #25 | Sean Dibsy | 2236623 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $5.4M | 10 | $538K |
| #25 | Gustavo Perez | 2821356 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $2.2M | 10 | $222K |
| #25 | Javier Torres | 2817770 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $3.3M | 10 | $333K |
| #25 | Seth Bailey | 2824690 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $1.2M | 10 | $120K |
| #25 | Michael Davis | 2329505 | C & C FINANCIAL, CORP | 1054224 | Anaheim, CA | $8.2M | 10 | $818K |
| #33 | Joseph Romero | 2756861 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $4.3M | 9 | $478K |
| #33 | Jesus Cruz | 2775718 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $3.2M | 9 | $354K |
| #33 | James Greco | 2818162 | Global Equity Finance, Inc. | 13116 | San Diego, CA | $2.6M | 9 | $289K |
| #33 | Alejandro Antonio Gonzalez | 2590298 | CMR FINANCIAL SERVICES INC | 1947091 | West Covina, CA | $5.5M | 9 | $606K |
| #33 | Tyvan Lindbeck | 2806981 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $1.2M | 9 | $130K |
| #38 | Edward Weber | 41763 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $1.9M | 8 | $239K |
| #38 | Hardik Arora | 2735365 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $7.5M | 8 | $944K |
| #38 | Adam VanderPloeg | 2834080 | JPMorgan Chase Bank, National Association | 399798 | Tempe, AZ | $1.1M | 8 | $135K |
| #38 | Arianna Avila | 1369402 | JPS Lenders, LTD. | 1206623 | Clovis, CA | $2.4M | 8 | $302K |
| #38 | Jagdish Singh | 2734008 | Loan Factory, Inc. | 320841 | Stockton, CA | $4.6M | 8 | $580K |
| #38 | Frank Hardy | 2806556 | loanDepot.com, LLC | 174457 | Chandler, AZ | $2.0M | 8 | $244K |
| #38 | Edgar Ramirez | 2833640 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $1.6M | 8 | $201K |
| #45 | Elijah Benson | 2796928 | loanDepot.com, LLC | 174457 | Irvine, CA | $2.3M | 7 | $323K |
| #45 | Jada Thomas | 2812965 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $827K | 7 | $118K |
| #45 | Shelby Caldwell | 2798190 | AQHL Bancorp | 1765663 | West Covina, CA | $3.9M | 7 | $552K |
| #45 | Ali Midlij | 2811811 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $987K | 7 | $141K |
| #45 | Julie Latney | 2818058 | American Internet Mortgage, Inc. | 2890 | San Diego, CA | $4.3M | 7 | $619K |
| #45 | MUHAMMAD BAGRHIAY | 474501 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $2.9M | 7 | $416K |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-units/2026
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