Retention champions nationwide in 2022, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), Mark Goodwin (The Federal Savings Bank, NMLS #543312), and Alber Saleh (Wells Fargo Bank, National Association, NMLS #479975).
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 | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | H. Carmen Castro Franceschi | 487229 | First Republic Bank | 362814 | — | $144.0M | 163 | 81.5% |
| #2 | Mark Goodwin | 543312 | The Federal Savings Bank | 411500 | Southlake, TX | $102.5M | 72 | 59.5% |
| #3 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $84.7M | 55 | 46.6% |
| #4 | Scott Dufresne | 487238 | JPMorgan Chase Bank, National Association | 399798 | — | $82.5M | 7 | 58.3% |
| #5 | Bruce Brewer | 514039 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $72.6M | 15 | 34.9% |
| #6 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $72.4M | 106 | 60.2% |
| #7 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $61.1M | 10 | 21.3% |
| #8 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $60.0M | 33 | 61.1% |
| #9 | Daniel McCoy | 485895 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $57.9M | 158 | 75.2% |
| #10 | Colleen Gallagher | 837853 | Citibank, NA | 412915 | New York, NY | $54.8M | 4 | 19.0% |
| #11 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.5M | 30 | 83.3% |
| #12 | George Maniatakis | 485733 | Citibank, NA | 412915 | Beverly Hills, CA | $50.1M | 19 | 44.2% |
| #13 | Mike Shayestehfar | 614926 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $49.2M | 20 | 55.6% |
| #14 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $48.8M | 73 | 69.5% |
| #15 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $48.5M | 28 | 57.1% |
| #16 | Edward Currie | 523638 | U.S. Bank National Association | 402761 | Earth City, MO | $48.2M | 45 | 51.7% |
| #17 | Christopher Zolezzi | 459881 | Goldman Sachs Bank USA | 208156 | San Francisco, CA | $47.6M | 15 | 45.5% |
| #18 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $47.4M | 52 | 73.2% |
| #19 | William Sherriff | 369884 | Raymond James Bank | 405712 | St Petersburg, FL | $46.8M | 15 | 57.7% |
| #20 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $46.5M | 49 | 66.2% |
| #21 | Diane Slavick | 541482 | Citibank, NA | 412915 | — | $45.7M | 13 | 48.1% |
| #22 | Kellie Abreu | 487201 | Bank of San Francisco | 403437 | San Francisco, CA | $45.4M | 12 | 48.0% |
| #23 | Mark Delhougne | 682401 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $44.2M | 39 | 70.9% |
| #24 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $44.1M | 35 | 30.4% |
| #25 | Karin Napel | 487269 | MidFirst Bank | 619047 | Santa Barbara, CA | $43.4M | 24 | 85.7% |
| #26 | David Rashet | 438490 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.4M | 47 | 69.1% |
| #27 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $41.9M | 43 | 42.2% |
| #28 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $39.7M | 63 | 71.6% |
| #29 | Nathan Jones | 304056 | New American Funding, LLC | 6606 | Santa Ana, CA | $38.3M | 13 | 37.1% |
| #30 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $38.3M | 29 | 56.9% |
| #31 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #32 | William Benjamin | 1331907 | Citizens Bank, National Association | 433960 | West Palm Beach, FL | $37.6M | 9 | 64.3% |
| #33 | John Johnson | 530137 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $36.7M | 16 | 37.2% |
| #34 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $36.7M | 89 | 43.2% |
| #35 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.4M | 64 | 52.0% |
| #36 | Lauren Gradowitz | 529933 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $36.3M | 3 | 18.8% |
| #37 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.2M | 66 | 54.1% |
| #38 | William Burrows | 479810 | Citizens Bank, National Association | 433960 | San Francisco, CA | $36.2M | 18 | 69.2% |
| #39 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #40 | Kenneth Kearns | 450986 | BNY Mellon, N.A. | 764464 | San Francisco, CA | $36.0M | 24 | 51.1% |
| #41 | Randolph Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #42 | Ryan Estes | 505435 | More Life Mortgage, LLC | 2748762 | — | $35.1M | 46 | 78.0% |
| #43 | Mark Wintheiser | 724181 | Bank of America, N.A. | 399802 | Newport Beach, CA | $34.8M | 9 | 42.9% |
| #44 | Tadeh Baghmouri | 637498 | Bank of America, N.A. | 399802 | Beverly Hills, CA | $34.4M | 27 | 71.1% |
| #45 | Paul Milchman | 828908 | Citibank, NA | 412915 | Jersey City, NJ | $34.3M | 16 | 28.1% |
| #46 | Brett Burns | 320423 | CrossCountry Mortgage, LLC | 3029 | Issaquah, WA | $34.2M | 60 | 61.9% |
| #47 | Max Hendriks | 241189 | Bank of America, N.A. | 399802 | — | $34.0M | 4 | 33.3% |
| #48 | Matthew Oliver | 169890 | LUND MORTGAGE TEAM, INC. | 162701 | Glendale, AZ | $33.0M | 92 | 55.4% |
| #49 | FRANCIS MADIA | 168250 | EQUITABLE HOME MORTGAGE, INC. | 165939 | — | $32.8M | 39 | 46.4% |
| #50 | Andrew Woolf | 461881 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $32.6M | 22 | 57.9% |
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. Retention Champions by Volume — Nationwide (2022). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-volume/2022
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