Leading rookies in California in 2022, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Derrick Ho (D&A REALTY AND MORTGAGE INC, NMLS #713821), Christopher Nelson (Rancho Vista Mortgage Corporation, NMLS #2184790), 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 | $38.0M | 52 | $731K |
| #2 | Christopher Nelson | 2184790 | Rancho Vista Mortgage Corporation | 241748 | — | $29.0M | 44 | $660K |
| #3 | Ralph Richardson | 2341565 | T.I.M.E. Lending | 2001142 | Encino, CA | $22.9M | 48 | $477K |
| #4 | Robert Felix | 2243763 | Lennar Mortgage, LLC | 1058 | — | $19.2M | 44 | $436K |
| #5 | Michael Hermann | 2220857 | Mutual of Omaha Mortgage, Inc. | 1025894 | Santa Cruz, CA | $17.7M | 8 | $2.2M |
| #6 | Margaret St. John | 2319308 | First Republic Bank | 362814 | — | $17.6M | 5 | $3.5M |
| #7 | Kexin Gan | 2308994 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $15.8M | 14 | $1.1M |
| #8 | Frankie Fragoso | 1994224 | C & C FINANCIAL, CORP | 1054224 | Anaheim, CA | $14.7M | 37 | $397K |
| #9 | Michael Bardales | 387728 | Umana Real Estate Group Inc | 2285293 | — | $14.7M | 27 | $543K |
| #10 | Angela Kilpatrick | 2358015 | Navy Federal Credit Union | 399807 | Pensacola, FL | $14.0M | 22 | $638K |
| #11 | Knox Parker | 2373104 | Navy Federal Credit Union | 399807 | — | $13.5M | 24 | $561K |
| #12 | Oscar Ramos | 346936 | SUPER RATE LENDING | 39160 | Downey, CA | $13.4M | 28 | $480K |
| #13 | Nicole Banks | 2308213 | Navy Federal Credit Union | 399807 | Pensacola, FL | $12.8M | 22 | $581K |
| #14 | Jacqueline Barraza | 1885597 | Clear Mortgage Capital, Inc. | 1935005 | Irvine, CA | $12.6M | 21 | $600K |
| #15 | Karleen Stemler | 2278389 | Lennar Mortgage, LLC | 1058 | Fresno, CA | $12.3M | 30 | $409K |
| #16 | Young Ho Yoo | 2277426 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $12.1M | 19 | $636K |
| #17 | Jonathan Miller | 1497727 | 50-50 Mortgage, Inc | 2289265 | Modesto, CA | $11.0M | 17 | $648K |
| #18 | Diana Munoz-Isidoro | 2258402 | Andy's Home Loans | 2280945 | Bakersfield, CA | $11.0M | 39 | $282K |
| #19 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $10.3M | 16 | $646K |
| #20 | Frederick Razon | 2308191 | U.S. Bank National Association | 402761 | Pasadena, CA | $10.1M | 13 | $773K |
| #21 | Alyssa Lazaro | 2320013 | loanDepot.com, LLC | 174457 | — | $10.0M | 16 | $622K |
| #22 | Justin Walsh | 968831 | Franklin Loan Corporation | 237653 | Ladera Ranch, CA | $9.8M | 14 | $702K |
| #23 | LOU WU | 2187125 | LOU EDWARDS FINANCIAL INC | 364375 | Rowland Heights, CA | $9.5M | 13 | $734K |
| #24 | Raymundo Ayala | 2215129 | Ayala, Raymundo, Tapia | 2344659 | Walnut Creek, CA | $9.5M | 14 | $680K |
| #25 | Aileen Vazquez | 2358011 | Navy Federal Credit Union | 399807 | Vienna, VA | $9.4M | 16 | $589K |
| #26 | Fernando Barron | 1979370 | Andy's Home Loans | 2280945 | Modesto, CA | $9.3M | 26 | $359K |
| #27 | Spencer Weaver | 2144771 | First Capital Trust Deeds | 1165726 | Newport Beach, CA | $9.1M | 4 | $2.3M |
| #28 | Laura Angel-Hernandez | 2144044 | Equity Smart Home Loans, Inc. | 856170 | South Pasadena, CA | $8.9M | 21 | $425K |
| #29 | James DeLucia | 2386537 | Fremont Bank | 478471 | Livermore, CA | $8.8M | 26 | $339K |
| #30 | Alfredo Ramos | 2071101 | T.I.M.E. Lending | 2001142 | Encino, CA | $8.6M | 19 | $452K |
| #31 | SHARMAINE DINDI BLOEM | 2211839 | BNB FINANCIAL INC. | 1121645 | City of Industry, CA | $8.5M | 16 | $530K |
| #32 | Marci Pascua | 2140817 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $8.3M | 2 | $4.1M |
| #33 | Armando Fernandez | 2161748 | The Mortgage Professionals Inc | 2302276 | Bellflower, CA | $8.2M | 19 | $433K |
| #34 | Cheyana Ungemach | 2135501 | Pulte Mortgage LLC | 1791 | Denver, CO | $7.8M | 12 | $650K |
| #35 | Hoang Nguyen | 2145128 | Castle Mortgage Corporation | 61382 | — | $7.8M | 11 | $706K |
| #36 | Veronica Gallaspy | 2373105 | Navy Federal Credit Union | 399807 | Pensacola, FL | $7.7M | 14 | $548K |
| #37 | Melissa Icenhour Mitchell | 1871360 | Melissa Nicole Icenhour Mitchell | 2117198 | Roseville, CA | $7.7M | 16 | $479K |
| #38 | Ayesha Moien | 2022476 | Longbridge Financial, LLC | 957935 | — | $7.6M | 1 | $7.6M |
| #39 | Justin Hanlin | 2151335 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $7.6M | 15 | $507K |
| #40 | Nicholas Beyrooty | 2170207 | Beyrooty, Steven Paul | 339273 | Newport Beach, CA | $7.6M | 1 | $7.6M |
| #41 | Sergey Khondkarian | 622776 | Apex Home Loans LLC | 2140181 | Glendale, CA | $7.4M | 12 | $620K |
| #42 | Jessica Hoppe | 2300769 | Mortgage Research Center, LLC | 1907 | Earth City, MO | $7.4M | 6 | $1.2M |
| #43 | Tiffany Guimond | 2097381 | Primary Partners | 90225 | Irvine, CA | $7.3M | 20 | $365K |
| #44 | Raquel Barrios | 2143916 | Prosper Financial Mortgage Services Inc. | 2246449 | Los Angeles, CA | $7.2M | 11 | $654K |
| #45 | Kevin Chang | 2250673 | Oz Gram Investment, Inc. | 1579697 | Placentia, CA | $7.1M | 7 | $1.0M |
| #46 | Jose Deniz | 2257698 | Icon Lending, LLC | 2193351 | Fresno, CA | $6.8M | 13 | $524K |
| #47 | Nicholas Schwartz | 2068397 | Platinum Realty & Mortgage Group | 2100738 | Covina, CA | $6.8M | 12 | $567K |
| #48 | Tiffany Dawson | 2239767 | New Leaf Funding Inc. | 1952509 | Irvine, CA | $6.7M | 15 | $450K |
| #49 | Itsik Trabelsi | 2060450 | LIT Finance Inc | 2061820 | Woodland Hills, CA | $6.7M | 8 | $837K |
| #50 | Daniel Chappell | 2268387 | Mutual of Omaha Mortgage, Inc. | 1025894 | Novato, CA | $6.7M | 7 | $954K |
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 Volume — California (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-volume/2022
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