Retention champions in California this year, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), Brian Minkow (CMG Mortgage, Inc., NMLS #256638), and Claudia Castillo (JPMorgan Chase Bank, National Association, NMLS #529944).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $73.4M | 50 | 86.2% |
| #2 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $68.8M | 59 | 81.9% |
| #3 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $55.2M | 6 | 60.0% |
| #4 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $50.7M | 41 | 82.0% |
| #5 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $48.6M | 33 | 64.7% |
| #6 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $45.0M | 30 | 68.2% |
| #7 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $39.3M | 41 | 85.4% |
| #8 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $38.9M | 29 | 43.3% |
| #9 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $34.2M | 26 | 89.7% |
| #10 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $33.2M | 27 | 87.1% |
| #11 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $32.9M | 44 | 47.8% |
| #12 | Gregory Krolikowski | 801940 | Goldman Sachs Bank USA | 208156 | Los Angeles, CA | $32.5M | 6 | 60.0% |
| #13 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $32.3M | 29 | 69.0% |
| #14 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $32.1M | 19 | 54.3% |
| #15 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $29.5M | 34 | 69.4% |
| #16 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $29.3M | 24 | 82.8% |
| #17 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $29.2M | 24 | 55.8% |
| #18 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $28.9M | 24 | 70.6% |
| #19 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.8M | 28 | 71.8% |
| #20 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 20 | 83.3% |
| #21 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $28.2M | 22 | 46.8% |
| #22 | John Farrell | 374639 | U.S. Bank National Association | 402761 | Hopkins, MN | $27.3M | 20 | 90.9% |
| #23 | Sahar Abassi | 419882 | U.S. Bank National Association | 402761 | Hopkins, MN | $26.5M | 17 | 81.0% |
| #24 | Justin Brilman | 1137704 | U.S. Bank National Association | 402761 | Earth City, MO | $26.2M | 23 | 88.5% |
| #25 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $26.2M | 20 | 60.6% |
| #26 | RICHARD MYERS | 243493 | U.S. Bank National Association | 402761 | Boise, ID | $26.0M | 14 | 77.8% |
| #27 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $26.0M | 18 | 75.0% |
| #28 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $25.7M | 25 | 69.4% |
| #29 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $25.5M | 32 | 71.1% |
| #30 | Hong Sha | 235461 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $25.2M | 16 | 21.3% |
| #31 | Richard Ellis | 295206 | Citibank, NA | 412915 | Manhattan Beach, CA | $24.6M | 17 | 73.9% |
| #32 | Bruce Brewer | 514039 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $24.6M | 5 | 41.7% |
| #33 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $24.5M | 10 | 47.6% |
| #34 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $24.5M | 28 | 73.7% |
| #35 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $24.0M | 15 | 42.9% |
| #36 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $24.0M | 22 | 75.9% |
| #37 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $24.0M | 17 | 58.6% |
| #38 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $23.9M | 37 | 75.5% |
| #39 | Rashi Jani | 1421191 | Bank of America, N.A. | 399802 | Cupertino, CA | $22.7M | 15 | 71.4% |
| #40 | Melissa Velasquez | 633920 | Wells Fargo Bank, National Association | 399801 | Beverly Hills, CA | $22.4M | 8 | 80.0% |
| #41 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $21.6M | 21 | 70.0% |
| #42 | Shaodan Li | 335515 | U.S. Bank National Association | 402761 | San Diego, CA | $21.4M | 22 | 73.3% |
| #43 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $21.4M | 24 | 64.9% |
| #44 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $21.3M | 26 | 68.4% |
| #45 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Glendale, CA | $21.2M | 24 | 77.4% |
| #46 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $21.2M | 18 | 48.6% |
| #47 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $21.0M | 37 | 53.6% |
| #48 | CARLOS ORTIZ | 251422 | U.S. Bank National Association | 402761 | Studio City, CA | $21.0M | 8 | 57.1% |
| #49 | Liping Yi | 1241368 | Citibank, NA | 412915 | Sunnyvale, CA | $20.9M | 13 | 65.0% |
| #50 | Julie Aragon | 250691 | THE TURNKEY FOUNDATION INC. | 236669 | Santa Ana, CA | $20.8M | 22 | 71.0% |