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 July 13, 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 | $101.0M | 71 | 59.2% |
| #3 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $84.7M | 55 | 47.4% |
| #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 | $72.0M | 105 | 59.7% |
| #7 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $60.0M | 33 | 61.1% |
| #8 | Daniel McCoy | 485895 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $56.4M | 154 | 73.7% |
| #9 | Colleen Gallagher | 837853 | Citibank, NA | 412915 | New York, NY | $54.8M | 4 | 19.0% |
| #10 | Mary Kasaris | 487259 | JPMorgan Chase Bank, National Association | 399798 | — | $54.7M | 30 | 83.3% |
| #11 | George Maniatakis | 485733 | Citibank, NA | 412915 | Beverly Hills, CA | $50.1M | 19 | 44.2% |
| #12 | Mike Shayestehfar | 614926 | Citizens Bank, National Association | 433960 | Los Angeles, CA | $49.2M | 20 | 55.6% |
| #13 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $48.8M | 73 | 70.2% |
| #14 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $47.8M | 50 | 66.7% |
| #15 | Christopher Zolezzi | 459881 | Goldman Sachs Bank USA | 208156 | San Francisco, CA | $47.6M | 15 | 45.5% |
| #16 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $47.4M | 52 | 73.2% |
| #17 | Edward Currie | 523638 | U.S. Bank National Association | 402761 | Earth City, MO | $47.2M | 44 | 51.8% |
| #18 | Diane Slavick | 541482 | Citibank, NA | 412915 | — | $45.7M | 13 | 48.1% |
| #19 | Kellie Abreu | 487201 | Bank of San Francisco | 403437 | San Francisco, CA | $45.4M | 12 | 46.2% |
| #20 | Dyann Tresenfeld | 487194 | JPMorgan Chase Bank, National Association | 399798 | — | $44.2M | 27 | 57.4% |
| #21 | William Sherriff | 369884 | Raymond James Bank | 405712 | St Petersburg, FL | $43.8M | 14 | 56.0% |
| #22 | Karin Napel | 487269 | MidFirst Bank | 619047 | Santa Barbara, CA | $43.4M | 24 | 85.7% |
| #23 | David Rashet | 438490 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.4M | 47 | 69.1% |
| #24 | Mark Delhougne | 682401 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.2M | 38 | 69.1% |
| #25 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $41.9M | 43 | 42.2% |
| #26 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $41.5M | 34 | 29.8% |
| #27 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $39.7M | 63 | 71.6% |
| #28 | Nathan Jones | 304056 | New American Funding, LLC | 6606 | Santa Ana, CA | $39.2M | 13 | 37.1% |
| #29 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #30 | William Benjamin | 1331907 | Citizens Bank, National Association | 433960 | West Palm Beach, FL | $37.6M | 9 | 64.3% |
| #31 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $37.5M | 28 | 56.0% |
| #32 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $36.7M | 89 | 43.4% |
| #33 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.4M | 64 | 51.6% |
| #34 | Lauren Gradowitz | 529933 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $36.3M | 3 | 18.8% |
| #35 | William Burrows | 479810 | Citizens Bank, National Association | 433960 | San Francisco, CA | $36.2M | 18 | 69.2% |
| #36 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #37 | Kenneth Kearns | 450986 | Flagstar Bank, National Association | 417490 | Walnut Creek, CA | $36.0M | 24 | 51.1% |
| #38 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $35.9M | 65 | 53.3% |
| #39 | Ryan Estes | 505435 | More Life Mortgage, LLC | 2748762 | Raleigh, NC | $35.8M | 47 | 78.3% |
| #40 | Randy Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #41 | Mark Wintheiser | 724181 | Bank of America, N.A. | 399802 | Newport Beach, CA | $34.8M | 9 | 42.9% |
| #42 | John Johnson | 530137 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $34.5M | 15 | 35.7% |
| #43 | Tadeh Baghmouri | 637498 | Bank of America, N.A. | 399802 | Beverly Hills, CA | $34.4M | 27 | 71.1% |
| #44 | Paul Milchman | 828908 | Citibank, NA | 412915 | Jersey City, NJ | $34.3M | 16 | 28.1% |
| #45 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $34.1M | 9 | 20.0% |
| #46 | Max Hendriks | 241189 | Bank of America, N.A. | 399802 | — | $34.0M | 4 | 33.3% |
| #47 | Brett Burns | 320423 | CrossCountry Mortgage, LLC | 3029 | Lacey, WA | $33.9M | 59 | 60.8% |
| #48 | Daniel McCoy | 485898 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $33.2M | 116 | 77.9% |
| #49 | Matthew Oliver | 169890 | LUND MORTGAGE TEAM, INC. | 162701 | Glendale, AZ | $33.0M | 92 | 55.4% |
| #50 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.9M | 52 | 55.9% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-volume/2022
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