Leading rookies in California in 2026, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include DAE CHOI (JSB Mortgage Corporation, NMLS #2764547), Wayne Kim (JSB Mortgage Corporation, NMLS #2786861), and Ketch Gannon (OPTIMUM FIRST INC., NMLS #2757756).
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 | $23.4M | 33 | $708K |
| #2 | Wayne Kim | 2786861 | JSB Mortgage Corporation | 1558084 | Monterey Park, CA | $12.5M | 13 | $964K |
| #3 | Ketch Gannon | 2757756 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $9.2M | 14 | $654K |
| #4 | Erickson Bondoc | 2831354 | Water and Power Community Credit Union | 525600 | Los Angeles, CA | $9.1M | 12 | $762K |
| #5 | Jessica Dye | 2803052 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $7.5M | 14 | $537K |
| #6 | John Wei | 1132996 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $7.2M | 7 | $1.0M |
| #7 | Jake Parker | 2763475 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $6.8M | 13 | $520K |
| #8 | Ramy Labib | 2162320 | JR PRIME INC | 2724050 | Bellflower, CA | $6.4M | 9 | $708K |
| #9 | Natalie Cortez | 2776422 | HILLHURST MORTGAGE, INC. | 248170 | Los Angeles, CA | $5.5M | 7 | $791K |
| #10 | Shant Darakjian | 2150734 | Pacific Capital Lending Group | 2651639 | Burbank, CA | $5.5M | 3 | $1.8M |
| #11 | Charles Alexander | 2808618 | Toyota Financial Savings Bank | 68603 | Henderson, NV | $5.2M | 1 | $5.2M |
| #12 | Shant Avadisian | 2791441 | Apex Home Loans LLC | 2140181 | Glendale, CA | $4.9M | 5 | $977K |
| #13 | Jose Cerrato | 1203665 | Golden Empire Mortgage, Inc. | 2427 | Escondido, CA | $4.2M | 11 | $381K |
| #14 | Daniel Curtis | 2737709 | PennyMac Loan Services, LLC | 35953 | — | $4.0M | 15 | $267K |
| #15 | Hardik Arora | 2735365 | The Golden 1 Credit Union | 669333 | Sacramento, CA | $4.0M | 4 | $996K |
| #16 | Cody Hess | 2802793 | Onity Mortgage Corporation | 2726 | Plano, TX | $3.9M | 11 | $351K |
| #17 | Cedric Gray | 2799393 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $3.7M | 8 | $468K |
| #18 | Alejandro Antonio Gonzalez | 2590298 | CMR FINANCIAL SERVICES INC | 1947091 | West Covina, CA | $3.7M | 6 | $618K |
| #19 | Eric Grollman | 2786401 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $3.7M | 11 | $335K |
| #20 | Jagdish Singh | 2734008 | Loan Factory, Inc. | 320841 | Stockton, CA | $3.7M | 6 | $613K |
| #21 | Sean Dibsy | 2236623 | OPTIMUM FIRST INC. | 240415 | Huntington Beach, CA | $3.6M | 7 | $513K |
| #22 | SROY LY | 253714 | ACCESS HOME LENDING LLC | 2625502 | Lake Forest, CA | $3.5M | 2 | $1.7M |
| #23 | Mathias Ascencio | 2159080 | ANTHIAS FINANCIAL | 2686728 | Downey, CA | $3.5M | 4 | $863K |
| #24 | Michael Davis | 2329505 | C & C FINANCIAL, CORP | 1054224 | Anaheim, CA | $3.4M | 5 | $671K |
| #25 | Joseph Romero | 2756861 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $3.3M | 7 | $477K |
| #26 | Oscar Sandoval | 1959838 | The Ave | 2651695 | Downey, CA | $3.3M | 2 | $1.6M |
| #27 | David Rodriguez | 1478973 | Equitable Mortgage & Realty Incorporated | 1124483 | Los Angeles, CA | $3.2M | 2 | $1.6M |
| #28 | Dominique Griffin | 2681084 | Stone Bridge Mortgage Inc | 1938081 | Solana Beach, CA | $3.2M | 4 | $798K |
| #29 | Daniel Denham | 2770436 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $3.2M | 10 | $318K |
| #30 | Sri harsha Grandhi | 2770565 | E Mortgage Capital, Inc. | 1416824 | Santa Ana, CA | $3.0M | 4 | $741K |
| #31 | Eric Minassian | 2765365 | All Western Mortgage, Inc. | 14210 | Las Vegas, NV | $2.9M | 3 | $976K |
| #32 | George Damm | 2802792 | Village Capital & Investment LLC | 3317 | Draper, UT | $2.9M | 4 | $720K |
| #33 | Yavuz Gorgulu | 2769426 | PennyMac Loan Services, LLC | 35953 | — | $2.8M | 6 | $471K |
| #34 | Julie Latney | 2818058 | American Internet Mortgage, Inc. | 2890 | San Diego, CA | $2.7M | 5 | $541K |
| #35 | David Borlaug | 2781242 | Guild Mortgage Company LLC | 3274 | Torrance, CA | $2.7M | 4 | $673K |
| #36 | Francisco Lopez | 2757496 | Cornerstone First Mortgage, LLC | 173855 | San Diego, CA | $2.6M | 3 | $882K |
| #37 | Krysten Geddings | 2717148 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $2.6M | 5 | $521K |
| #38 | Bryan McCarthy | 2769344 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $2.6M | 5 | $519K |
| #39 | MOHAMMAD KAVEH | 1883154 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $2.6M | 3 | $852K |
| #40 | Lee Garoutte | 360998 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $2.5M | 10 | $252K |
| #41 | Cristian Mendoza | 2802740 | Onity Mortgage Corporation | 2726 | Plano, TX | $2.5M | 6 | $413K |
| #42 | Daniel Harbuck | 2633530 | Loan Factory, Inc. | 320841 | San Jose, CA | $2.5M | 1 | $2.5M |
| #43 | Noah Maass | 2800091 | Everett Financial, Inc. | 2129 | Antioch, CA | $2.5M | 4 | $616K |
| #44 | Christopher Kendall | 2616023 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $2.4M | 3 | $815K |
| #45 | Madeline Pirrello | 2781978 | Tomo Mortgage, LLC | 2059741 | New York, NY | $2.4M | 5 | $489K |
| #46 | Arianna Avila | 1369402 | JPS Lenders, LTD. | 1206623 | Clovis, CA | $2.4M | 8 | $302K |
| #47 | Ross Flaharty | 2793889 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $2.4M | 3 | $792K |
| #48 | MUHAMMAD BAGRHIAY | 474501 | Xpert Home Lending Inc. | 2179191 | Braselton, GA | $2.4M | 6 | $395K |
| #49 | Jonathan Nguyen | 2784835 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $2.4M | 8 | $295K |
| #50 | Brandon Perriatt | 2705799 | Guaranteed Rate, Inc. | 2611 | Turlock, CA | $2.3M | 5 | $467K |
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 (2026). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-rookie-by-volume/2026
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