NMP National Mortgage Professional May 2022 by ambizmedia

MAY 2022

Vol. 14, Issue 5 $20.00

TOP ORIGINATORS

BEST BEST of t he

The leading loan originators for purchase volume and refinance

Danny Meier

Area Manager, Academy Mortgage Corporation

WORK-LIFE BALANCE

IT DOESN’T NEED TO BE MYTHICAL TIA!

A Simple Thanks Builds Long Relationships GEN Z WANTS TO WORK — BUT BY THESE RULES A PUBL ICAT ION OF A ME RICA N BUS INE SS MEDI A

The Leader in Non-QM

Visit AngelOakMS.com | 855.631.9943 ©Angel Oak Mortgage Solutions LLC NMLS #1160240, Corporate office, 980 Hammond Drive, Suite 850, Atlanta, GA, 30328. This communication is sent only by Angel Oak Mortgage Solutions LLC and is not intended to imply that any of our loan products will be offered by or in conjunction with HUD, FHA, VA, the U.S. government or any federal, state or local governmental body. This is a business-tobusiness communication and is intended for licensed mortgage professionals only and is not intended to be distributed to the consumer or the general public. Each application is reviewed independently for approval and not all applicants will qualify for the program. Angel Oak Mortgage Solutions LLC is an Equal Opportunity Lender and does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, disability, other classifications protected under Fair Housing Act of 1968. MS_A723_1221

MAY 2022

Vol. 14, Issue 5 $20.00

TOP ORIGINATORS

BEST BEST of t he

The leading loan originators for purchase volume and refinance

Danny Meier

Area Manager, Academy Mortgage Corporation

WORK-LIFE BALANCE

IT DOESN’T NEED TO BE MYTHICAL TIA!

A Simple Thanks Builds Long Relationships GEN Z WANTS TO WORK — BUT BY THESE RULES A PUBL ICAT ION OF A ME RICA N BUS INE SS MEDI A

Volume 14 Issue 5

MAY 2022

CONTENTS

nationalmortgageprofessional.com

4 Better, Better, Better … The mantra for 2022 is be better at everything to be a leading loan originator.

Paul Volpe

Senior Vice President/Senior Loan Officer, Nova Home Loans

6 Smooth Those Transitions Cross training isn’t just for the gym – it makes for a better workplace.

COVERSTORY

8 The Mythical Work-Life Balance The 24/7 schedule isn’t sustainable but brokers like their originators to live it.

TOP ORIGINATORS

PAGE 34 Top Originators

10 A Little Spring Cleaning Dusting off the files to update some major recent stories.

What makes a top originator?The two best yardsticks are dollar volume and units closed. See who’s among the best at purchase volume and refinance volume as reported to NMP. It’s and extensive list not to be missed.

15 People on the Move See who the movers and shakers are in the mortgage industry.

22 My First Million: It’s Your Fault Sitting still allows others to pass you by.

16 Build-A-Broker: Keeping Younger Workers Gen Z has some specific demands that employers must embrace.

24 Build-A-Broker: Making Amigos Understand Latino’s financial practices to get them mortgages.

18 My First Million: A Dollop Of Appreciation Small steps like thank you notes go a long way towards better customer experience.

26 Non-QM Lender Resource Guide 30 Wholesale Lender Guide 32 DataBank 106 Non-QM Lender Directory 107 Resource Directories 110 Facebook Thoughts: My Exercise Is ‘On The Rocks’

nationalmortgageprofessional.com

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

STAFF

MAY 2022

Vincent M. Valvo CEO, PUBLISHER, EDITOR-IN-CHIEF Beverly Bolnick ASSOCIATE PUBLISHER

Volume 14, Issue 5

LETTER FROM THE PUBLISHER

It’s Back In The Game For Leading LOs

t’s springtime, and that means it’s the season for celebration — of the loan originators who broke records. Let’s face it, generally speaking sales is a tough business. You’ve got to face a lot of rejection. You’ve got to do a lot of prospecting. And you’ve got to be on call for your client all the way through the process. Last year, a lot of loan originators made a whopping amount of money, as did the mortgage lenders they were representing. Average housing prices shot through the roof, so average loan amounts did, too — and with commissions tied to lending volume, that meant originators saw big purchase business paydays. More importantly, low interest rates spurred massive rounds of refinances as homeowners sought to lower payments and draw cash out of the equity that had suddenly deposited itself in their homes. And yet, just as LO Awards Season gets into full swing, dreaded forecasts of what 2022 is going to be like are becoming fixed reality. Refi business has cratered by 40%-60%. Lenders are issuing pink slips like they’re the ball feeders in batting cages. And while home prices continue to escalate, there’s little that can be done to goose the number of homes for sale. So that’s going to cap purchase volume no matter how much of a sales superstar someone is. This is the year when top originators will really show themselves. Refis are down, but not out. Purchase business is there for the taking — you’ve just got to be better at it than dozens of your competitors. But that’s the real test of sales, isn’t it? Finding out how to be better than your competitors, offering better service, being a better prospector, doing a better job at connecting with clients than anyone else. This is also a year when mortgage companies are likely to go under, merge, or be acquired. The strong companies are really looking for just one thing: a competent, connected sales channel. In some instances, acquirers are bypassing buying whole companies in favor of just signing on the target company’s sales team. The acquiring company, after all, probably doesn’t need more processors or underwriters. They need more rainmakers. In the hubbub of an increasingly chaotic market, it’s worthwhile to step back and take a few pats on the back for having hit the heights last year. It’s also important to sidestep complacency. After all, as the saying goes, no LO is better than their last closed loan.

V INCEN T M. VALVO Publisher, Editor-in-Chief

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

Christine Stuart EDITORIAL DIRECTOR David Krechevsky EDITOR Keith Griffin SENIOR EDITOR Mike Savino HEAD OF MULTIMEDIA Katie Jensen, Steven Goode, Douglas Page, Sarah Wolak STAFF WRITERS Rob Chrisman, Dave Hershman, Erica LaCentra, Nick Roberson, Lew Sichelman, Mary Kay Scully, CONTRIBUTING WRITERS Alison Valvo DIRECTOR OF STRATEGIC GROWTH Meghan Hogan DESIGN MANAGER Christopher Wallace, Stacy Murray GRAPHIC DESIGN MANAGERS Navindra Persaud DIRECTOR OF EVENTS William Valvo UX DESIGN DIRECTOR Andrew Berman HEAD OF CUSTOMER OUTREACH AND ENGAGEMENT Tigi Kuttamperoor, Matthew Mullins MULTIMEDIA SPECIALISTS Melissa Pianin MARKETING & EVENTS ASSOCIATE Kristie Woods-Lindig ONLINE ENGAGEMENT SPECIALIST Michael Castro MARKETING MANAGER Joel Berman FOUNDING PUBLISHER Submit your news to editorial@ambizmedia.com If you would like additional copies of National Mortgage Professional Call (860) 719-1991 or email info@ambizmedia.com

www.ambizmedia.com © 2022 American Business Media LLC. All rights reserved. National Mortgage Professional magazine is a trademark of American Business Media LLC. No part of this publication may be reproduced in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher. Advertising, editorial and production inquiries should be directed to: American Business Media LLC 88 Hopmeadow St. Simsbury, CT 06089 Phone: (860) 719-1991 info@ambizmedia.com

MULTIFAMILY FINANCING

DAVE HERSHMAN

RECRUITING, TRAINING, AND MENTORING CORNER

Dealing With Change — Cross Training

It’s a means for smoothing out the inevitable cyclical transitions BY DAVE HERSHMAN, CONTRIBUTING WRITER, NATIONAL MORTGAGE PROFESSIONAL

his is certainly a transition year for the industry. Production is down and operation staffs are being pared in “right-sizing” exercises. A year ago, we were competing like crazy for operational staff and bidding up their salaries. But for those who have been in this industry for a long time, this cycle is nothing new. What is amazing to me is how little time we spend preparing for these times, especially when there are tools available enable us to become more efficient. Thus, this month I decided to pull one such tool out of the leadership course from my OriginationPro Mortgage School. That tool is cross training. We know it is good for us, but … many managers cringe when they hear the words cross training. We all know that it is good for our staff and to meet company objectives such as cost considerations. We all know that we should have a good cross training plan in effect. Yet, most companies do not. It is like exercise: we know that it is good for us, but we don’t do enough. Cross training increases personnel efficiencies. When someone goes on vacation (or leaves) someone else can step in and accomplish the job. If a

vacation means that someone will be returning to a pile of work—this puts your staff in a perpetual stressful situation. Cross training increases production efficiencies. When there are production bulges in certain departments, other departments can pitch in. The mortgage business is extremely cyclical: monthly, seasonal and interest rate cycles. Each brings on a new challenge in which cross training could increase our efficiency to deal with the problem. Companies can become more efficient as they face increasingly volatile cycles in the coming years. Cross training increases the value of our employees. When we give value to our employees, they become more valuable to us. Many become more loyal, reducing very expensive turnover. Others stay because they have more promotional opportunities because they have new skills. In general, giving them more skills helps them meet their objectives and helping others meet their objectives is what great leadership is all about. Some good reading material in this regard—Company of Heroes: Unleashing the Power of SelfLeadership, by Henry P. Sims, Jr. and Charles C. Manz, John Wiley & Sons. Cross training becomes our

farm system. Good recruiting starts from within and promotion from within lowers employee turnover rates. Cross training gives the skills to effect promoting from within. Your next originator might always be right under your nose in your processing department. A good cross training plan starts with an analysis of the office’s needs. In what areas could the benefits of cross training be seen? A typical place in mortgage offices is loan file set-up. When processors get busy, this is one of the first places that is ignored as we respond to the fires of impending closings. We train the receptionist to set up files and when things get busier, we hire a temp for the phones and make the receptionist a temporary “set-up person.” Unfortunately, answering phones is a key skill which we continuously ignore in our training efforts—and subjugate to others even less qualified when things get busy. A good cross training plan also integrates the desires of employees. In our coaching reviews we ask about our employee’s long-term objectives. This is a futile exercise unless we are going to use the information. Cross training is one way we can do just that—help our employees reach their objectives. If a processor desires to become an

When we give value to our employees, they become more valuable to us. Many become more loyal, reducing very expensive turnover.

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

underwriter, perhaps we can train this person to sign off on conditions. If they desire to be a loan officer, perhaps they can attend or even help present classroom training for originators. Management Cross Training. An all-important part of this equation is training for managers. It is likely that some of your staff have the desire to manage in the future. They can’t become managers effectively unless you start to impart to them the skills they need to practice and grow. In addition, how many times are you short of time because of your many management responsibilities?

Management cross training can help you solve both dilemmas—furthering the goals of your employees while you lessen the stress in your own situation. n

Senior Vice President of Sales for Weichert Financial Services, Dave Hershman has seven books published, and is the founder of the OriginationPro Marketing System and the OriginationPro Mortgage School — the online choice for mortgage learning and marketing content. His site is www.OriginationPro. com and he can be reached at dave@ hershmangroup.com.

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

ERICA LACENTRA

RECRUITING, TRAINING, AND MENTORING CORNER

Is Work-Life Balance in the Mortgage Industry a Myth? Companies need to ensure employees can meet the needs of this demanding profession BY ERICA LACENTRA | CONTRIBUTING WRITER, NATIONAL MORTGAGE PROFESSIONAL

ith the boom the real estate market has been experiencing, especially over the last several years, it feels like every time I catch up with various colleagues in the mortgage industry, they all tell me the same thing, things are so busy, and they have never had to work at the pace they are now. Typically, folks justify it by saying things like, “I’d rather be busy than slow” or “It won’t be this good forever” or some variation of that line of thinking. As rates rise there seems to be even more pressure to work faster and be more available for clients to take advantage of as many opportunities as possible before the industry takes a turn. However, there should be concern about working at a pace that is frankly not sustainable. Maintaining strong talent and avoiding burnout is a real challenge companies face if they are not careful. Also, it will be incredibly hard to attract new

talent when the expectation is your life is your work. While the mortgage industry seems to be so incredibly good at accommodating their end clients, that comes with its cons. So, is it even possible to achieve a true work-life balance if you work in the mortgage industry, what steps can companies take to ensure their employees can have some sense of work-life balance in this demanding industry?

THE EXPECTATION OF AROUND THE CLOCK AVAILABILITY The mortgage industry and many jobs within the real estate industry are unique in that clients often expect their loan officers, agents or brokers to be accessible whenever they need them. Many originators are fielding calls and emails at all hours of the day and especially since the pandemic hit and people started working remotely, the existence of boundaries has all but disappeared. Now while a company may view this as a boon for production because it causes numbers to skyrocket, there should be concern about what happens if that immense volume comes to a grinding halt because an employee can no longer handle that pace. At the end of the day, yes, an employee can always push the limits of how much they want to work, but it truly is the company that sets the tone and expectation of work-life balance. At a certain point, companies do need to recognize and tell their employees it’s OK to have a set capacity for your pipeline and you don’t always have to be at the beck and call of your clients. Now does that mean originators should be ignoring their clients the second they call after 6 p.m.? Absolutely not. However, it means

that it is OK to set boundaries with your clients upfront. Doing so from the start will ensure that there is an expectation set up front. In cases when you are able to go above and beyond, like taking a call later in the day or responding to an email on the weekend, you really shine in the eyes of your client. Ever heard the phrase, “under promise and over deliver”? I’m not saying to do the bare minimum; however, no one ever likes the inverse of that situation. Then in emergency scenarios, which will always pop up, originators can still make themselves available, but at least now you will only be hopefully fielding the odd request here and there and leaving more time for yourself rather than running yourself ragged day in and day out.

CREATE A MORE BALANCED INDUSTRY It’s hard to imagine changing the mentality in the mortgage industry and it certainly won’t happen overnight. I’m personally guilty of not maintaining a healthy work-life balance. However, it really is necessary for organizations to recognize the lack of balance that exists and take steps to combat the harm this issue is causing for those that work within the industry. Why? Because a healthy work-life balance means healthier and happier employees, lower turnover, and better talent seeking employment in the mortgage industry. So, while a true work-life balance may seem impossible now, for the sustainability of the mortgage industry it’s time to make sure it is within reach. n

Erica LaCentra is Chief Marketing Officer for RCN Capital.

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

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LEW SICHELMAN

RECRUITING, TRAINING, AND MENTORING CORNER

A Little Spring Cleaning

A look back at past stories with some current responses BY LEW SICHELMAN, CONTRIBUTING WRITER, NATIONAL MORTGAGE PROFESSIONAL

oing a little spring cleaning, moving stuff off my desk that has been sitting for a bit. So, suffer right along with me as I knock the cobwebs off my trusty, circa-1950s Royal typewriter. Hey, it’s tough to teach an old dog a new trick, especially this codger. Anyway, to catchup, here are some updates on a few previous stories: * When we last visited bias in appraisals (February 2022), I wrote that people of color will be taking matters into their own hands in their attempts to have their homes valued fairly. But now, it turns out, they may not have to. Rep. Maxine Waters, D-Calif., is on the prowl. The chair of the House Banking Committee is calling for a full-scale federal investigation. By the time you read this, Waters may have already dropped legislation into the hopper that would create a new agency to regulate and supervise the residential appraisal business. The Federal Valuation Agency, an independent bureau within the executive branch, would replace the Appraisal Foundation as chief, cook and bottle washer.

What set Waters off this time — she becomes angry a lot — was an absolutely shameful email an appraiser sent to Elizabeth KorverGlenn, an assistant professor of sociology at the University of New Mexico and someone Waters calls one of the country’s foremost experts on bias and discrimination in the housing appraisal industry. Here’s what Dave LaVigne of Lavigne Appraisals in New Bern, N.C. wrote, verbatim: “Who the hell are you, to inject such racism. Your sociology background well simply is flawed. You should get out of the office and work with an appraiser and see the impact of social groups, but more importantly, federal law, which makes poor minorities poorer. It’s called lower-income housing or LIHTEC, and only the wealthy democrats own these. They are an annuity right from the US Treasury into the Democrat pockets. Hence the millions of refugees in the system. “Appraisers are being turned in nationally because of so called race. The trend of course will be to refuse the assignment. While the document I read suggest racism was the underlying cause of the values being low in minority areas, I would suggest its factual data that reflects values are simply low, as investors are fewer. As the cry wolf extreme for lending and appraisals ramps up, appraisers and lendings will simply run from these loans not wanting any conflict. To suggest the loan is biased and the appraiser is racist to simple. But I have come to expect why someone with your credentials would dare to suggest they have a clue about what trained and educated people as myself actually do. “With your education, this is the best you could do. I would suggest you are a

flunky and our country is racing to the bottom with people like yourself not capable of doing the work. Racism is not as prevalent as you might think. I’m [age redacted] and I live in the house I grew up in. The street has hardly changed even when you get to the poor black neighborhoods. The point is, not much has changed, and these neighborhoods are socially adapted based on social behavior people are attracted to. “Come to North Carolina. I will pay for your ticket, and I will walk your through your sociology degree and then ask you what you see after spending a week with me in the heart of the deep south where minorities are paid to raise their poorly educated kids illigitamant kids. Let’s not forget the parents gave the kids absurd names that most employers immediately refuse to call.” I cleaned up a few of the spelling and grammatical errors, save for “illigitamant.” It’s spelled illegitimate. The mistake can be blamed on fat fingers; that’s what I do. Nevertheless, bigotry like this reflects on your entire industry. And the various professional appraisal groups agree. In a letter denouncing LaVigne’s message, the American Society of Appraisers, American Society of Farm Managers and Rural Appraisers, Appraisal Institute, International Association of Assessing Officers, Association for Valuation Professionals and the National Society of Real Estate Appraisers said they, “condemn the thoughts, language and tone of this email in the strongest possible terms.” “There is no place in our society for the kind of race-based vitriol expressed in this email, but these views are especially troubling coming from an appraiser,” the groups said. “Appraisers are duty-bound to remain objective and unbiased in all aspects of their work and holding these views

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

in any manner is antithetical to the very concept of appraisal practice. “We wish to reiterate our commitment to working on the issues of bias and discrimination in a constructive manner, with respect for all views and participants in the conversation.” Meanwhile, in late March, the Interagency Task Force on Property Appraisal and Valuation Equity assembled by President Biden to end racial bias in the lending and appraisal process put forth its own action plan. Parts of the plan involves steps that can be taken using existing authority, but the rest requires further action. Taken together, though, it represents “the most wide-ranging set of reforms ever put forward to advance equity in the home appraisal process.” The plan (www.PAVE.hud.gov) came together after discussions with more than 150 stakeholder groups, including appraisers, appraisal management companies, lenders, civil rights and advocacy groups, academic institutions, philanthropy organizations and individuals who have experienced instances of appraisal bias to listen and learn diverse perspectives on what is working and how the Federal government can work to embed equity in the home valuation process. With 13 cabinet-level departments

and federal agencies signed on, the task force has some beef. * Moving on, the piece I wrote about criminals (October 2021) who ply their trade in the housing sector was very highly read. And the crooks just keep on giving. Here’s a few of their latest gambits: An ex-Miami real estate agent, formerly of Century 21, has been charged with the murders of two homeless men last fall and the attempted killing of a third in December. He was captured on camera throughout several stages of the slayings, including shooting one man, then another. He was driving a car registered in his name. “We literally followed the suspect’s footsteps,” Assistant Police Chief Armando Aguilar told the Miami Herald … Tamara Dadyan, a Los Angeles realty broker, has been sentenced to more than 10 years in prison after pleading guilty to her role in defrauding the Payment Protection Program, the relief program for small businesses, to the tune of almost $20 million. Dadyan and her compatriots used dozens of fake or stolen identities to apply for the loans, including those of the elderly or dead. And they used the proceeds to buy luxury homes, designer handbags, clothing and even a Harley. Now, while sitting

behind bars, she’s awaiting trial on state mortgage fraud charges … A disbarred Massachusetts attorney and his wife have pleaded guilty to running multiple mortgage fraud schemes. In one ruse, Barry Wayne Plunkett Jr. and his wife, Nancy, both of Barnstable, defrauded six lenders and 14 refinancing homeowners and kept $900,000 for their own purposes. They also used various names, entities and false documents to obtain three successive mortgages on their own home in Hyannis Port in amounts of $412,000, $470,000 and $1.2 million … Pastor Brandon Huber, a parttime agent with Windermere Real Estate in Missoula, Montana, yanked his congregation’s support of the local food assistance program because it promoted Pride Week and LGBTQ+ rights. Someone filed an ethics complaint with the Missoula Organization of Realtors, citing a violation of the Nation Association of Realtors’ Code of Ethics. And Huber has sued MOR right back. Not a crime, per se, but the pastor’s lawyer said this: “The Realtors’ hate-speech rule is intended to purge Christians from the real estate business. If you are a Christian who believes the way that tens of millions of American Christians do, that homosexuality is wrong, there is simply no way that you can participate as a Realtor, with the kind of hatespeech prohibition that exists.” This dude should move to Florida... Maybe he had nothing else to do. John MacMillan Cameron, a Port Orchard, Washington, broker whose CONTINUED ON PAGE 12

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

RECRUITING, TRAINING, AND MENTORING CORNER

LATE SPRING CLEANING CONTINUED FROM PAGE 11

license is currently inactive, has pleaded not guilty to federal charges related to the Jan. 6, 2021, Capitol insurrection. Seems he posted on his website this message to believers: “The least safe I felt was when walking back to catch a train … I was told to FU by a little antifa BLMer on a Vespa who was traveling the opposite direction …” Thank you Zillow for helping build a case against former Green Beret and one-time Florida congressional candidate Jeremy Brown for attacking the Capitol on Jan. 6, 2021. Brown had already been on the FBI’s radar as a potential leader of the Oath Keepers. But to prove their case, the authorities zeroed in on his Tampa residence’s listing on the popular search engine. A listing photo showed a whiteboard mentioning all kinds of lists allegedly related to the riot. FBI agents raided the house, where

they discovered a short-barrel rifle, a sawed-off shotgun, more than 8,000 rounds of ammunition and two hand grenades … * I warned about inflation, the mortgage market equivalent of a four-letter word, last July. Like an economist, which I am definitely not, I could have been either wrong or right. Turns out, I was the latter. In mid-March, the Federal Reserve Board made the first of what is likely to be many quarter-point-or-more increases this year in the Fed Funds Rate. With inflation nearing 8% as of this writing, the chief economist at the Mortgage Bankers Association, Mike Fratantoni, said of the widely anticipated initial 25-basis-point increase: “This is what the Fed needs to do to bring inflation under control.” Fed Chairman Jerome Powell said

in prepared remarks to the National Association for Business Economics that “inflation is much too high.” And for what it’s worth, the central bank does not expect inflation to drop below 2% again until “after 2024” at the earliest … * When last I looked at the Latino market (June 2021), I reported that most of Hispanics’ wealth comes from real estate. Now, the latest State of Hispanic Home Ownership report, released in early March, shows that Latinos added 657,000 owner-households between 2019 and 2021, boosting their ownership rate to 48.4%. That’s still on the low side compared to other demographics. Worse, it accounted for just 20.6% of the growth in total ownership over the two-year period. At the same time, though, “substantially” more Hispanics are looking to buy their first home than the population at large, according to a survey by Realtor.com in conjunction

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with the National Association of Hispanic Real Estate Professionals. NAHREP also produces the State of Hispanic Home Ownership report. * Last month’s piece was about the influx of institutional investors into the housing market. Since then, I found these stats buried in an ATTOM Data report: Institutional investors nationwide

accounted for 6.9%, or one of every 14 single-family home and condo sales in 2021, the highest level since 2013. Meanwhile, the trend is growing among investors to build as well as buy houses to rent. According to the National Rental Home Council, houses purposely built for rent rather than for sale accounted for 26% of the properties added to the portfolios of investors in the fourth quarter. That’s up from just 3% in the third quarter of 2019. At the same time, investor purchases of existing individual houses declined from 81% to 57% over the same two-year period. “Providers increasingly turned to the development of new housing over the past two years as a means of responding to housing market supply constraints and a corresponding surge in demand for single-family rental housing,” the trade group said in a press release … * A Naples, Florida, property management outfit being sued for

embezzlement by several of its homeowner association clients could also come into Uncle Sam’s cross hairs for taking nearly a quarter-million dollars in federal COVID relief funds. When American Property Management Services applied for PPP money, the application required certification that it was not “engaged in any activity that is illegal under federal, state or local law.” According to some legal beagles, the feds can prosecute, even if the company was not involved in criminal activities when it applied for a PPP loan … That’s all for now. My wastebasket is full. n

Lew Sichelman has been covering the housing and mortgage sectors for 52 years. His syndicated column appears in major newspapers throughout the country. He also has been the real estate editor at two major Washington, D.C., dailies and spent 30 years on the staff of National Mortgage News, formerly National Thrift News.

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NMLS #3030 Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. AL License No. MC 20979, Control No. 100152352. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #11704; IL: Residential Mortgage Licensee #4127 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025309; MA: Mortgage Lender License #ML 3030; ME: Supervised Lender License; MN: Not an offer for a rate lock agreement; MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept., #6743MB; NV: License #626; NJ: New Jersey – Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, (888) 474-0404, Licensed by the N.J. Department of Banking and Insurance.; NY: Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226 Licensed Mortgage Banker-NYS Department of Financial Services; OH: MB 850076; OR: License #ML-1387; PA: Licensed by the Dept. of Banking – License #21430; RI: Licensed Lender; WA: Consumer Loan Company License CL-3030. Conditions may apply. ©2000-2022 Rocket Mortgage, LLC. All rights reserved. Lending services provided by Rocket Mortgage, LLC, a subsidiary of Rocket Companies, Inc. (NYSE: RKT).

SPONSORED BY

backgrounds. IBM apprentice Tony recalls his apprenticeship group had a firefighter, paramedic, nail salon worker and a mail delivery driver who had recently come from Colombia. Tony remembers that “We all had different experiences before IBM, but here’s what we had in common: basic tech skills, a curiosity for learning, and a passion for technology.” If employers want to end the current resignation trend and see employment retention, they must embrace and adapt to what employees want. More employees want work flexibility. For many individuals, the pandemic has shown them that they want more of a work-life balance. Research from Thomson Reuters shows that fewer than 1 in 10 lawyers wish to return to working regular in-office hours five days a week, and half of the associates looking to move jobs seek more flexible options. Besides flexibility, Generation Z workers and other employees want a work culture aligned with their values and ideals. Groups like Gen Z place top value on teamwork, diversity and inclusion and desire a diverse work environment that makes a difference in society. “It’s imperative employers show their commitment to making the world a better place. Since we know Gen Z cares about societal impact and social justice, companies need to provide opportunities for them to engage in their communities and prioritize diversity and inclusion,” says Christine Selph, global eminence and engagement leader at Deloitte. Organizations have the power to change the current employment trend of resigning and reshuffling. However, it will take listening to what job candidates want and expanding the hiring pool to reflect the diverse talents and attributes that current society holds. n

For years, organizations have practiced rigid requirements for recruiting and have inadvertently passed up great talent.

> InterLinc

Mortgage, a full-service mortgage lender, has hired Kara Lamphere as chief operations officer.

> National

home lender PrimeLending announced Kelly Lee has been promoted to executive vice president, divisional manager for the Western U.S.

We Have Mortgage Jobs.

• Branch Manager • Business Development Manager • Client Relationship Manager • Client Relationship Specialist • Collateral Asset Manager • Commercial Loan Officer • Credit Analyst • Licensing Assistant • Loan Officer • Loan Mitigation • Post Closing QC Expert • Loan Administration Manager • Processor • Regional Vice President • REO Closer • Retail Branch Manager • Reverse Mortgage Specialist • Sales Manager • Underwriter • Wholesale Account Exec • And MORE! Resposes are from highly-qualified candidates. Your ad can also be [osted on Indeed and SimplyHired as a FEATURED JOB, on Craigslist in most cities, Googlebase, Oodle, Juju, CareerMetaSearch, TopUSAJobs, Jobalot and MORE! Pay-per-use RESUME BANK.

findmortgagejobs.com

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

BUILD-A-BROKER: HANDS ON PRACTICAL ADVICE SPONSORED BY

YOUR FIRST MILLION DOLLARS

MARY KAY SCULLY

The Power Of Appreciation Companies with above-average customer experience perform better financially BY MARY KAY SCULLY, CONTRIBUTING WRITER, NATIONAL MORTGAGE PROFESSIONAL

id you know there is a 99% open rate for hand-written thank you cards? People respond well to positivity. You would think this is a no-brainer, but with everything happening in the world today, it’s easy to lose sight of all the good around us. People also love a good challenge. Many restaurants have their own challenges like eating a giant burger

or finishing a huge dessert. Not to mention how quickly people jump on Facebook or Tik Tok challenges. This month, I want to issue a different kind of challenge. A challenge to give back and show your appreciation to those around you, especially to the borrowers who keep you in business. Everyone wants to feel valued and appreciated, and beyond sending positive energy into the world, this can benefit you personally in your work. After all, wouldn’t you want to work with people who make you feel valued? According to this Forbes report on customer experience, the answer is yes: 73% of companies with aboveaverage customer experience perform better financially than their competitors.

GETTING OUTSIDE THE INDUSTRY Sometimes, especially recently, the mortgage industry can seem grim. Rates are too high, homes are not affordable, inventory is too low — and the list goes on. This can take its toll on you. As important as it is to give your borrowers a great experience, it’s just as important to have

You don’t have to sit on the board of a nonprofit or rack up a certain number of volunteer hours to make a difference. There are simple acts anyone can do to start making a difference. passions outside of work. There may be nonprofits in your area that need donations or volunteers. Maybe there are clubs in your community that focus on helping others. Whatever the case may be, find a cause you are passionate about and start giving back to it. Making a positive difference — CONTINUED ON PAGE 20

PEOPLE ON THE MOVE //

> Nations

Lending, a national mortgage lender, announced Jon Whittington, CMB, will oversee its expansion to Hawaii.

> Houwzer

announced that Andrew Daley will be stepping into the role of chief marketing officer..

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

> Academy

Mortgage Corporation announced that Kristi Pickering has been appointed president of the company.

> The new

Chattanooga, TN, branch of CMG Financial will be headed by branch manager Janet Hillis Reimann.

In 2022, opportunity runs deep. Everything is changing. Shouldn’t your loan options? The number of homebuyers unable to qualify for a traditional mortgage is expected to hit an all-time high in 2022. Entrepreneurs, the self-employed, business owners, property investors — millions of creditworthy homebuyers will need a Non-Agency/Non-QM loan. Deephaven is there for them with a full suite of programs and products, each with its own set of flexible features and terms. By joining our network of independent mortgage bankers and brokers, you can be there for them too.

deephavenmortgage.com Deephaven Mortgage® LLC. All rights reserved. This material is intended solely for the use of licensed mortgage professionals. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Nmlsconsumeraccess.org NMLS #958425 Deephavenmortgage.com

BUILD-A-BROKER: HANDS ON PRACTICAL ADVICE SPONSORED BY

POWER OF APPRECIATION CONTINUED FROM PAGE 18

outside of your day-to-day work — not only helps others, but can help recharge you, too. According to a study published by BMC Public Health, those that participated in otheroriented volunteering experienced improvements in mental health, physical health, life satisfaction, and social well-being, and even experienced decreases in depression. Giving back brings significant benefits for everyone involved and can help you both be and feel better at home and at work.

SIMPLE ACTS Now, you don’t have to sit on the board of a nonprofit or rack up a certain number of volunteer hours to make a difference. There are simple acts anyone can do to start making a difference. At work, it’s as simple as showing your appreciation for your customers. You may be providing them a service, so it’s easy to feel like they should be thanking you, but without them, you would not have anyone to serve. Don’t forget to thank the borrower that has all their documents ready, or the ones that always respond quickly. Showing appreciation for these behaviors also will encourage them to continue. Be sure to show appreciation for your coworkers, too. Again, it’s easy to feel like someone is just doing their job, but it’s important to thank the people — regardless of where they sit on the org chart — that help you out at work. Maybe it’s your processor that dealt with a difficult customer, the closer that ensured a speedy closing, or an underwriter that rushed a reviewed file for clear to close — they all deserve recognition for their contributions to the company. More open appreciation also can boost morale around the office and motivate everyone to keep doing great work.

A DIFFERENT KIND OF NETWORKING You truly never know where these kind words and acts can lead. Your coworkers may go on to other companies and become your partners, or others may be promoted to leadership

positions. The seemingly “random” people you help or show appreciation for may end up becoming your friends, neighbors, colleagues, or mentors. While the goal is to do this just for the sake of being a better person, you may be networking without even knowing it. The people you acknowledge may stand to benefit from the work you do in the industry, or maybe they’re able to use their position to help you out, too. There is no better example than the all-important referral. According to Nielsen, 92% of consumers trust recommendations from friends and family above all other forms of advertising. For mortgage lending specifically, the National Association of Realtors found that 29% of referrals come from existing banking relationships and 27% of referrals come from friends and family. It’s critical to

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

build trusting relationships and provide experiences that make people want to work with you. For the next 30 days, I challenge you to focus on appreciating others and spreading positivity. Let’s all take this month to reset, create a positive mindset and share that positivity with those around us, both inside and outside of work. You are more than just your job. Get out there and use your talents and influence to make a difference in the industry and beyond. n

Mary Kay Scully is the director of customer education at Enact, leading the development of the company’s customer education curriculum. The statements in this article are solely her opinions and do not necessarily reflect the views of Enact or its management.

BUILD-A-BROKER: HANDS ON PRACTICAL ADVICE SPONSORED BY

YOUR FIRST MILLION DOLLARS

Fear The Ghost Of ‘Might-Have-Been’ All things come to the person who goes after them. BY HARVEY MACKAY, SPECIAL TO NATIONAL MORTGAGE PROFESSIONAL

uppose you have five birds sitting on a wire and three of them decide to fly. How many birds would you have left on the wire? Five birds remain. Making a decision to fly without acting on the decision gets you nowhere. Thinking about something won’t make it happen. Hoping won’t make something happen either. You have to do something about it. As artist Pablo Picasso said, “Action is the foundational key Harvey Mackay to all success.” Opportunities do not come to those who wait. They are captured by those who act. When Nolan Bushell was asked about his success in founding Atari, he said: “The critical ingredient is getting off your butt and doing something. It’s as simple as that. A lot of people have ideas, but there are few who decide to do something about them now. Not tomorrow. Not next week, but today.” Don’t be like the husband, lounging on the couch, who says to his wife: “I’ll think about weeding the garden in a little while. Right now, I’m thinking about painting the windows.” All good things come to the person who goes after them. “I must do something” will always solve more problems than “Something must be done.” A famous novelist was lecturing to a group of college students determined to pursue literary careers. She asked the group, “How many of you really want to be writers?” A flood of hands shot into the air. “In that case,” she said, “the best advice I can give you is to go home and write.” Then she left

the room. Wayne Gretzky, the leading goal scorer in National Hockey League history, said, “You miss 100% of the shots you never take.” Likewise, people miss 100% of any goal they set for themselves, idea they have or project they want to accomplish if they don’t take a shot at it. A lot of people have great ideas, but nothing in the world is cheaper than a good idea with no action. Paul “Bear” Bryant, the Hallof-Fame college football coach at Alabama, had this sign hanging in his locker room: “Cause something to happen.” You have a better chance of getting your desired result if you take charge, rather than waiting for something to happen to you. We could learn a lot about action by observing insects. Consider the bee. It will make honey visits to 125 clover heads to make one gram of sugar. That comes to 3.4 million trips for bees to make only one pound of honey. Ants are admirable creatures as well. They’re not concerned about their stature but go about their diligent, tireless work of storing up food for their colony. One of the best lines on the silver screen about the importance of action came from Yoda, the Jedi Knight trainer in the Star Wars sequel, “The Empire Strikes Back.” While teaching Luke Skywalker about the power of The Force, Yoda says, “Luke, there is no try, there is either do or not do.” Kevin Plank played football at the University of Maryland and was frustrated by his sweat-soaked

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

cotton T-shirts, so he designed shirts that would wick away his sweat. He convinced his former teammates who were then playing professionally to try his product, and word spread. Today Under Armour’s sales are more than $5 billion. Sara Blakely was selling fax machines door-to-door when she was promoted to national sales trainer. She was forced to wear pantyhose in the hot Florida weather, which she couldn’t stand, so she experimented with more comfortable undergarments. Her Spanx sales are estimated at nearly $400 million annually. I interviewed Tom Stemberg for my book “We Got Fired! … And It’s the Best Thing That Ever Happened To Us.” He was fired from a supermarket chain and was working on his Apple IIc computer when the ImageWriter ribbon ran out on a July 4 weekend. He went from store to store and couldn’t find one. That’s when he realized that there was a shortage of office supply stores, and that inspired him to launch Staples. An anonymous verse maker once made this insightful observation titled “Mr. Meant-To.” Mr. Meant-to has a comrade, And his name is Didn’t do. Have you ever chanced to meet him? Did he ever call on you? These two fellows live together In the house of Never-win, And I’m told that it is haunted By the ghost of Might-have-been.

Opportunities do not come to those who wait. They are captured by those who act.

Mackay’s Moral: Ideas without action are worthless.

BUILD-A-BROKER: HANDS ON PRACTICAL ADVICE SPONSORED BY BUILD-A-BROKER

Be An Amigo To Latinos

Embrace the family, be nurturing, and understand the cash mentality BY ANDY INSUA, CONTRIBUTOR, NATIONAL MORTGAGE PROFESSIONAL

e have witnessed the tremendous buying power of Hispanics as their homeownership rates skyrocket. And yet, many Spanish-speaking customers run into roadblocks when it comes to financing. According to the National Association of Hispanic Real Estate Professionals, Latinos experienced a 19.1% home purchase denial rate for conventional loans and were 81% more likely to be denied than their non-Latino counterparts. In my experience as a Cuban American and managing director of Ameriuno, the bilingual division of Amerifirst Home Mortgage, I see several reasons for this disparity. For one, many Hispanics save money in nontraditional ways and that presents barriers under existing underwriting guidelines. In addition, many in the Hispanic community strive to improve their economic condition by living in multi-generational households and move jobs more frequently to improve their cash flow. These realities are not acknowledged in the current system and can actually count against a loan applicant. This is complicated by the fact that a large faction of the Hispanic community is unfamiliar with the document-intensive process, all of which must be completed in English. Right from the start there is confusion and fear surrounding the largest financial decision most people will ever make, compounded by the fact that many harbor distrust toward financial institutions, having experienced corruption in their home countries.

Many applicants come to the U.S. from Central and South America, where buying a home likely means paying in cash. They are not familiar with the particulars of managing credit, keeping tax records or even establishing a savings account. A lot may not understand how to manage credit or how the things that they do can affect their credit. Little things like not paying a cell phone bill on time may seem inconsequential, but it can be the reason their loan is denied. Financial education helps bridge the gap, so we developed a “Home Opportunity Center” in Kissimmee, Florida to support them. Hispanics are very family-oriented and gain comfort from community. Like most people, they are drawn to those who are familiar to them and quite frankly, speak their language. The center has the feel of a welcoming community center, not a loan office. We encourage customers to bring their family members to participate in their decision. If you are trying to reach Spanish speaking homebuyers, here are some things to consider:

BE NURTURING NOT NEGATIVE If an applicant’s credit is not where it needs to be, it doesn’t mean “no.” Instead, the answer should be, “not yet.” To get to “yes,” many customers need to get their credit up to par so they can qualify. They need to learn details such as how long they need to have been at their job. If they are selfemployed, they should fully understand how to document all their income. Some customers benefit from referral to an outside CPA who can organize their finances. That way, if a customer needs to be in a downpayment assistance program, or needs help with filing taxes, they are getting the professional advice they need to get a loan.

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

ASSISTANCE PROGRAMS There are different assistance programs across the country that should be offered to qualifying homebuyers. It is important that every loan officer knows these programs inside and out.

BE AN AMIGO FOR LIFE Your work should not be over once the loan is closed. At Ameriuno, we assign an “Amigo” who is available to answer any questions that may arise through the entire process and afterwards. Often the phone rings when it is time to make their first payment or when their first escrow increase occurs. This may be a tall order for most traditional lenders but Amerifirst services most of its loans. The point is to answer the phone long after the deal is done. Many Hispanic customers report less than ideal lending experiences that I believe were the result of a language barrier or an unwillingness to take the time to educate the customer. It is an investment of time that has paid off for us. It reminds me of a Puerto Rican customer, Yaiksa, who came to us after a previous lender said her credit was poor and asked for fees. She consulted with one of our officers who laid out the facts with no up-front charges. Three months later, she closed on her first home. She continues to call her Amigo for advice and referred a family member to us. “That kind of service says a lot about a person,” Yaiksa said. “She left the door open for me to continue to ask her questions. That makes me feel comfortable and I tell people, go see her.” In my opinion, for all that we must do to close the cultural gap, trust and personal relationships matter most. n

Andy Insua is Managing Director of Ameriuno Home Mortgage with offices in Florida, Texas, California and Arizona.

HMAC Partnership Series “A is a social unit (a group of living things) with commonality such as norms, religion, values, customs, or identity. *”

Nearly all of our current partners came to us with a special understanding of their community and the importance of the role they hold there. Part of our mission is to identify with members of the communities we live and work in, striving to improve their lives through financial empowerment. Isn’t this the type of you can see being a benefit to you and your community?

a commitment to Community Come leverage our industry resources to your advantage: > Accounting > Compliance > Marketing > Training > Legal Oversight > Pricing Plus our many programs to meet the financial needs of middle to low-income families in communities just like yours.

*Wikipedia

N O N - Q M L E N DE R RE SOU RC E GU IDE

Acra Lending

Angel Oak Mortgage Solutions

Lake Forest, CA

Atlanta, GA

Arc Home LLC

Mount Laurel, NJ Multi-channel mortgage leader with

Acra Lending is the leader in Non-

We offer alternative mortgage solutions

QM Wholesale and Correspondent

for originators throughout the country

lending programs. Offering a range of

helping borrowers who don’t fit Agency

mortgage solutions.

programs and services geared toward

guidelines. We are pioneering a fresh

helping mortgage professionals and

approach to today’s mortgage lending

When it comes to choosing your

borrowers achieve their purchase and

challenges helping partners to grow

investment goals. We are committed

their business.

to providing simplicity, consistency and an optimal customer experience.

angeloakms.com (855) 631-9943

acralending.com

info@angeloakms.com

(888) 800-7661 sales@acralending.com

LICENSED IN: AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD,

LICENSED IN: AL, AZ, AR, CA, CO, CT,

MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC,

DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, ME,

ND, OH, OK, OR, PA, RI, SC, SD, TN, TX,

MD, MI, MN, MT, NE, NV, NH, NJ, NC,

UT, VA, WA, WV, WI, WY, Puerto Rico, U.S.

OK, OR, PA, SC, TN, TX, UT, VA, VT, WA,

Virgin Islands

WI, WY

exceptional service and comprehensive

lending partner, there are many things to consider. Our products set the standard in the industry for innovation. Since that innovation is in our DNA, we will always be on the cutting edge of what matters most to you and your borrowers. At Arc Home, our priority is to provide the best customer experience from registration to closing, and we continue to invest in that philosophy every day. business.archomellc.com (844) 851-3600 sales@archomeloans.com LICENSED IN: AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Road Trip! J

oin Originator Connect Network as we traverse the country, bringing together hundreds of mortgage brokers, loan originators and bank and credit union lending officers, for an event full of education, networking and fun.

See our partial sample of upcoming events here, or visit our site for our full calendar at originatorconnectnetwork.com.

N O N - Q M L E N DE R RE SOU RC E GU IDE

Civic Financial Services Redondo Beach, CA

CIVIC delivers fast, honest, simple lending for real estate investors. Description of your products or services. CIVIC Financial Services is a private money lender, specializing in the financing of non-owner occupied residential investment properties. CIVIC provides Mortgage Brokers and Real Estate Investors with a fast and cost effective funding source for their real estate investment needs. civicfs.com (877) 472-4842 info@civicfs.com LICENSED IN: AZ, CA, CO, FL, GA, HI, ID, IL, IN, LA, MD, MA, MI, MN, NV, NJ, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI

Deephaven Mortgage

First National Bank of America

Charlotte, North Carolina

East Lansing, MI

Founded in 2012, Deephaven is

With over 65 years of lending

a national, Non-Agency/Non-QM

experience, First National Bank of

mortgage provider.

America specializes in Non-QM loans, nationwide.

A full-service innovator in the NonAgency/Non-QM mortgage space

• Alternative Income Documentation

helping millions of Americans

Options

unable to qualify for a traditional,

• 12 months only of income history

government-backed mortgage to

• Self-Employed/1099

achieve their dreams of homeownership.

• ITIN or SSN

Available through both wholesale

• Recent Credit Events

and correspondent channels, our

Our alternative mortgage solutions

differentiator is our borrower-centric

are designed to help people turn

culture and service delivery model.

homeownership dreams into a reality in

Particular strengths include our own

the Retail, Wholesale or Correspondent

in-house underwriting and collaborative

space

teams that directly support our national network of independent mortgage

Visit:

brokers and loan officers.

www.fnba.com/wholesale www.fnba.com/correspondent

deephavenmortgage.com

www.fnba.com/mortgage

(800) 983-0457

Equal Housing Lender

info@deephavenmortgage.com

fnba.com/wholesale

LICENSED IN: AL, AK, AZ, AR, CA, CO, CT,

(800) 400-5451

DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA,

requests@fnba.com

ME, MD, MA, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC,

LICENSED IN: Continental U.S.

SD, TN, TX, UT, VT, VA, WA, WI, WY

Non-QM Lender Resource Guide cont’d. next pg.

MAY

Suncoast Mortgage Expo TAMPA , FL N M LS RENEWA L CL A SS

JUN

Motor City Mortgage Expo DE TR O IT, M I NMLS RENEWA L CL A SS

N O N - Q M LE N DE R RE SOU RC E GU IDE

Global Integrity Finance LLC

Luxury Mortgage Corp.

PCF Wholesale

McKinney, Texas

Stamford, CT

Tustin, CA

DSCR Rental NO DOC Loans As a direct, private lender, Global Integrity Finance takes a common-

Non-QM, Wholesale, Delegated

Build your 2022 pipeline with

Correspondent, Non Delegated

PCFWholesale.com , the home of

Correspondent

the EZ DSCR and Alt Choice Non

sense approach to underwriting,

The Simple Access® Non-QM suite of

with all approvals made in-house.

products was built around the idea

We are dedicated to providing quick

that it doesn’t have to be complicated

responses to time-sensitive loans,

to finance a home. We have created a

often times with the ability to close in

diverse selection of borrower friendly

as few as 3 business days. At Global

programs that are simple, innovative,

Integrity Finance, we value referrals

and flexible. For more information on

and our brokers are protected. We

our Correspondent division, visit www.

are committed to the highest level of

luxurymortgagecorrespondent.com

QM Products. We make NonQM E-Z. Direct Wholesale Lender Licensed in 38 States. We love 1-4 and 5-8 unit properties. Ask about our Preferred Lender Program and our on time closing commitments to you! pcfwholesale.com (714) 955-5700 Marketing@pcfwholesale.com

customer service, because our success thrives in building relationships.

luxurymortgagewholesale.com

LICENSED IN: AL AK AZ AR CA CO CT

(949) 516-9710 globalintegrityfinance.com

DC DE FL GA ID IL IN IA KS KY LA ME

tpomarketing@luxurymortgage.com

MD MA MI MN NV NH NJ NM NC OH

(214) 548-5190 toby@globalintegrityfinance.com

OK OR PA RI SC TN TX UT VA

LICENSED IN: AL, AK, CA, CO, CT, DC, DE, FL, GA, IL, LA, ME, MD, MA, MI, MN, NV, NH,

LICENSED IN: AL, AR, CO, CT, DC, DE,

NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX,

FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME,

UT, VA, WA, WI, WY

MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI

JUN

Great Northwest Mortgage Expo P ORTL A ND, O R N M LS R E N EWA L CL A SS

JUL

Ultimate Mortgage Expo NEW O R L E A NS , L A NMLS RENEWA L CL A SS

Just Added!

NO N - Q M L E N D E R RE S O UR C E GU IDE

Quontic Bank

Sprout Mortgage

New York, NY

East Meadow, NY

No Ratio & Lite Doc — Owner Occupied

We successfully deliver uncommonly

& Investor

good solutions to customers whose

Our unique Community Development Loan programs help historically excluded borrowers look beyond income documentation to help make homeownership dreams a reality. Quontic is exempt from Dodd Frank’s ATR requirements. This enables us to offer our unique Owner Occupied No Ratio (no income stated & no DTI calculated) and Lite Doc (borrower prepared P&L) loans to credit-worthy borrowers. Quontic also offers a Fast Track underwriting process. Get started growing your business with

ith overwhelming response to our mortgage events creating sold-out shows nationwide, we’ve added even more events to our calendar.

home financing needs aren’t commonly met elsewhere. iQualifi, our proprietary pricing engine, helps

Join us in San Antonio, and book NOW while space remains available!

mortgage professionals quickly and easily identify Sprout loan products that may work for their customers. iAnalyze, our proprietary bank statement assessment tool, efficiently analyzes complex bank statements to quantify and recognize income from those who don’t receive W-2s. ACORN, our proprietary automated underwriting system (AUS), originates Prime Jumbo and Non-QM loans with the ease of DU and LP.

JUN

Quontic Wholesale.

sproutwholesale.com quonticwholesale.com

(844)664-6100

(888) 738-9016

sales@sproutmortgage.com

sschnall@quonticbank.com

Texas Mortgage Roundup

LICENSED IN: AL, AK, AZ, AR, CA, CO, LICENSED IN: All 50 U.S. States

CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT,

S A N A NTO NI O, TX

NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA,

NMLS RENEWA L CL ASS

WV, WI, WY

Find the full list of Non-QM Lenders on page 106

O RI G I NATO RCO NNECT N E TWOR K.COM

JUL

Arizona Mortgage Expo PHO E NIX , A Z N M LS RENEWA L CL A SS

AUG

California Mortgage Expo S A N DIEGO, CA NMLS RENEWA L CL A SS

WH OL E SAL E L E N DE R RE SOU RC E GU IDE

OCN Modestly Presents:

The greatest mortgage conference in the known universe.

ACC Mortgage

Angel Oak Mortgage Solutions

Rockville, MD

Atlanta, Georgia

ACC Mortgage is the oldest Non-QM

Angel Oak Mortgage Solutions is

lender that has never stopped lending

the leader in the non-QM mortgage

in 22 years. We specialize in Bank

space. We offer alternative specialized

Statement, ITIN, P&L, Foreign National

mortgage solutions for brokers

and DSCR lending. Price, Product and

throughout the country helping

Process are what make for Non-QM

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NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

here’s no doubt 2021 was a good year to be an originator. But for some outstanding loan officers it was a great year. National Mortgage Professional magazine celebrates the accomplishments of the top originators by total dollar volume who shared their success with us. It’s a group led Danny Meier, area manager, Academy Mortgage Corporation with a total of $799,353,720. Danny Meier Area Manager, Academy Mortgage Corporation Snohomish, WA Purchase Vol. By Dollar Amount: $560,667,666 Purchase Vol. by No. Of Units: 831 Refi Vol. By Dollar Amount: $238,686,054 Refi Vol. By No. Of Units: 468 Dollar Vol. Total: $799,353,720 Unit Vol. Total: 1299 States licensed: AZ, HI, ID, OR, WA You won’t find an originator more powerful, influential, yet humble as Area Manager Danny Meier. He is truly one to emulate.

Brian Minkow

Christopher Keelin Divisional SVP, Mortgage Loan Originator, Homebridge Financial Services Westlake Village, CA

Purchase Vol. By Dollar Amount: $348,865,748 Purchase Vol. by No. Of Units: 572 Refi Vol. By Dollar Amount: $386,589,313 Refi Vol. By No. Of Units: 676 Dollar Vol. Total: $735,455,061 Unit Vol. Total: 1248 States licensed: AZ, CA, CO, IN, NV, TX Brian has 20+ years of experience in the mortgage industry, with thousands of satisfied customers. He works with a wide network of Real Estate Agents.

Paul Volpe

North East Senior Vice President, Family First Funding LLC

Senior Vice President/ Senior Loan Officer, Nova Home Loans

Dover, NJ

Tuscon, AZ

Purchase Vol. By Dollar Amount: $289,377,800

Amount: $198,677,114

Purchase Vol. by No. Of Units: 803

Purchase Vol. by No. Of Units: 625

Refi Vol. By Dollar Amount: $240,813,341

Refi Vol. By Dollar Amount: $273,765,454

Refi Vol. By No. Of Units: 730

Refi Vol. By No. Of Units: 1145

Dollar Vol. Total: $530,191,141

Dollar Vol. Total: $472,442,568

Unit Vol. Total: 1533

Unit Vol. Total: 1770

States licensed: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, LA, ME, MD, MA, MN, NH, NJ, NY, NC, OH, OK, PA, RI, SC, TN, TX, VT, VA, WA

States licensed: AZ, CA, CO, FL IL, NM, NV, OR, TX, UT, WA

I am a producing Manager that oversees a 50 person staff of both sales and Operations. We pride ourselves in our communication and consistency.

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

Purchase Vol. By Dollar

By Total Dollar Volume Kenny Cheung

Reginald Maddox Sales Manager, Mortgage Loan Originator, Homebridge Financial Services Bayside, NY

Purchase Vol. By Dollar Amount: $274,927,173 Purchase Vol. by No. Of Units: 539 Refi Vol. By Dollar Amount: $164,476,017 Refi Vol. By No. Of Units: 296 Dollar Vol. Total: $439,403,190 Unit Vol. Total: 835 States licensed: NY

Neil Kantor

Vice President, Regional Manager, McLean Mortgage

VP, Senior Mortgage Advisor, Homespire Mortgage

Fairfax, VA

Gaithersburg, MD

Purchase Vol. By Dollar Amount: $309,587,595

Purchase Vol. By Dollar Amount: $284,532,110

Purchase Vol. by No. Of Units: 643

Purchase Vol. by No. Of Units: 637

Refi Vol. By Dollar Amount: $112,722,083

Refi Vol. By Dollar Amount: $121,942,332

Refi Vol. By No. Of Units: 274

Refi Vol. By No. Of Units: 272

Dollar Vol. Total: $422,309,678

Dollar Vol. Total: $406,474,442

Unit Vol. Total: 917

Unit Vol. Total: 909

States licensed: DC, FL, MD, NC, SC, VA

States licensed: AL, CA, DC, DE, FL, GA, IN, MD, MA, NH, NJ, NC, PA, SC, VA, WV

Kenny is dedicated to helping each customer meet their unique financial situation with the right mortgage solution.

With over 900 clients helped, and over $400M in home loans closed in 2021, my customers know they can trust me to get them the mortgage loan they need.

Brian Atallian

Matt Oliver

My goal is by the end of the loan process, my clients are so over the moon excited that I’ve become their loan officer for life, as well as a friend.

Michael Borodinsky

LO, Pike Creek Mortgage

Loan Officer, Lund Mortgage Team, Inc.

Newark, DE

Producing Branch Manager, Caliber Home Loans

Glendale, AZ

Purchase Vol. By Dollar Amount: $347,044,063

Purchase Vol. By Dollar Amount: $49,376,396

Purchase Vol. by No. Of Units: 121

Purchase Vol. by No. Of Units: 129

Refi Vol. By Dollar Amount: $40,216,202

Refi Vol. By Dollar Amount: $328,590,544

Refi Vol. By No. Of Units: 169

Refi Vol. By No. Of Units: 1218

Dollar Vol. Total: $387,260,265

Dollar Vol. Total: $377,966,940

Unit Vol. Total: 290

Unit Vol. Total: 1347

States licensed: DE MD NJ PA

States licensed: AZ

Have been in the industry for 18 years.

Matt Oliver started in the mortgage industry at Chase Bank in 2006 and moved to Lund Mortgage Team in 2008.

Edison, NJ Purchase Vol. By Dollar Amount: $211,783,618 Purchase Vol. by No. Of Units: 535 Refi Vol. By Dollar Amount: $135,116,678 Refi Vol. By No. Of Units: 379 Dollar Vol. Total: $346,900,296 Unit Vol. Total: 914 States licensed: CT, DE, FL, MD, NJ, NY, PA, VA Michael Borodinsky has funded over 5 billion dollars in residential mortgage loans to over 14,000 customers over the course of his 38 yr career.

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Shashank Shekhar

CEO, InstaMortgage

San Jose, CA

Sam Rosenblatt

Mortgage Planner, Academy Mortgage Corporation

St. Michaels, MD

$148,444,310

Peter Galvez

Broker, United Wholesale Lending

Sacramento, CA

$72,198,209

Timothy Taylor

Area Manager, Mortgage Loan Originator, Homebridge Financial Services

Santa Barbara, CA

Melissa Bell

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$206,899,727

Valentina Wilber

VP, Senior Mortgage Advisor, Homespire Mortgage

Gaithersburg, MD

$242,358,157

Tony Digiuseppe

Sales Manager, Finance of America Mortgage

Scottsdale, AZ

$99,453,500

Steven Ho

Senior Loan Officer, Quontic

Astoria, NY

$234,359,320

Matt Ferrigno

Director of Strategic Initiatives, RCN Capital

South Windsor, CT

$115,889,326

Chris Murphy

President, Mortgage Banker, M2 Lending Solutions

Denver, CO

$113,386,096

Jason Smith

Senior VP/Branch Manager-Producing, Nova Home Loans

Scottsdale, AZ

$145,180,512

Mark Johnson

Sales Manager, Mortgage Loan Originator, Homebridge Financial Services

Calabasas, CA

$98,584,690

David L Crowell

Regional Manager, Mortgage Network, Inc.

Hilton Head, SC

$123,377,307

Andrea Wine

Senior Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$103,703,990

Carol O’Connell

Vice President, Builder Division, McLean Mortgage

Fairfax, VA

$191,394,755

Dustin Rosenberg

Principal & CEO, Convoy Home Loans

El Segundo, CA

Saleem Ali

President, Arcus VA Mortgage

Lewisville, TX

$7,111,217

Ray Shanahan

VP/Senior Mortgage Loan Officer, NewTowne Mortgage

Charlotte, NC

$142,368,625

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$84,161,313

$113,191,158

$74,6560

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

192

$255,880,023

625

$340,041,336

817

AL, AZ, CA, CO, CT, FL, GA, ID, IL, IN, MD, MI, MN, NV, NJ, NY, NC, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI

405

$189,643,293

573

$338,087,603

978

CT, DC, DE, FL, GA, ME, MD, NJ, NC, PA, VT, VA

169

$234,341,233

628

$306,539,442

797

114

$192,870,883

265

$306,062,041

379

408

$72,327,556

181

$279,227,283

589

AL, DC, NC, SC, TN, VA, MD, FL

441

$36,214,437

$278,572,594

507

DC, MD, NC, VA

178

$171,427,980

346

$270,881,480

524

AZ, CA, CO, HI, ID, IL, NV, NM, OR, TX, WA

592

$23,309,350

$257,668,670

643

Continental U.S.

476

$130,048,343

399

$245,937,669

875

All U.S. States

249

$119,346,435

365

$232,732,531

614

437

$83,035,126

297

$228,215,638

734

AZ, CA, CO, IL, IN, NE, NM, OR, TX, WA

126

$125,038,541

192

$223,623,231

318

AZ, CA, NM

273

$99,813,835

239

$223,191,142

512

GA, MA, NJ, NC, SC, FL, VA

192

$112,391,342

254

$216,095,332

446

DE, DC, FL, MD, NC, PA, SC, VA

395

$21,777,134

$213,171,889

447

DE, DC, FL, MD, NC, SC, VA

$136,506,304

$211,162,304

138

AZ, CA, CO, FL, IL, MD, MA, MI, MN, NC, OR, PA

$196,153,299

533

$203,264,516

553

AL AZ CA CO CT DC FL GA ID IL IN MD MA MI MN NV NJ NC OH OK OR PA SC TN TX VA WA

355

$32,433,445

$174,802,070

440

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Ryan Jones

Loan Officer, Lund Mortgage Team, Inc.

Glendale, AZ

$19,326,740

Michael Stein

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$82,785,975

Matt Garcia

Loan Officer, Supreme Lending

Alpharetta, GA

$133,689,785

Jimmy Kwan

Broker Officer, Tigen Financial, Inc.

Arcadia, CA

$10,222,831

Ravi A Pahuja

Senior Loan Officer, Mortgage Network, Inc.

Boston, MA

$77,351,086

Adrian Gastelum

VP/Branch Manager-Producing, Nova Home Loans

Peoria, AZ

$95,447,864

Wesley Ryan Grubbs

Senior Mortgage Banker, Mid America Mortgage

Dallas, TX

$121,681,487

Nelson Howe

VP/Senior Loan Officer, Nova Home Loans

Denver, CO

$73,547,696

Justin Oliver

Senior VP/Branch Manager-Producing, Nova Home Loans

Gilbert, AZ

$58,865,325

Vincent Coyle

Vice President, Senior Loan Officer, McLean Mortgage

Arlington, VA

$90,930,319

Michael Trejo

Broker/Owner, Bridgepoint Funding

Pleasant Hill, CA

$55,479,733

Carlos Martinez

Branch Manager, Homespire Mortgage

Rockville, MD

$92,527,599

Phil Jawny

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$138,003,094

Rene Acosta

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$75,168,741

Troy Toureau

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$62,247,465

Ali Ghassemi

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$100,746,467

Clint Hammond

Branch Manager, Mortgage Network, Inc.

Columbia, SC

$70,427,228

Lance Dickson

Senior VP/Partner/Branch Manager — Producing, Nova Home Loans

Tuscon, AZ

$62,140,884

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$154,966,025

587

$174,292,765

641

159

$90,441,991

216

$173,227,966

375

DC, FL, MD, NC, VA, PA, DE

418

$30,541,474

$164,231,259

514

$153,974,020

392

$164,196,851

412

129

$86,457,866

155

$163,808,952

284

MA, CT, ME, NH, R

302

$65,327,850

283

$160,775,714

585

371

$36,930,068

134

$158,611,555

505

130

$82,323,727

190

$155,871,423

320

174

$95,113,947

348

$153,979,272

522

175

$59,840,080

126

$150,770,399

301

DC, MD, VA

$93,460,021

201

$148,939,754

276

277

$54,341,606

163

$146,869,205

440

DC, MD, VA

442

$8,101,695

$146,104,789

470

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

316

$66,225,416

351

$141,394,157

667

AZ, CA, NV

117

$78,966,572

185

$141,214,037

302

DC, FL, MD, VA

177

$40,199,447

$140,945,914

268

DC, VA, MD

222

$69,915,266

230

$140,342,494

452

GA, NC, SC, TN

177

$77,708,450

309

$139,849,334

486

AZ, FL, NM

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Blaise Menzoni

Branch Manager, Finance of America Mortgage

Vineland, NJ

$96,537,735

Vincent Apostolico

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$56,809,731

Jared Thom

VP/Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$60,250,124

Greg Gale

Senior VP/Branch Manager-Producing, Nova Home Loans

Scottsdale, AZ

$60,524,689

Chris Leon

Senior Vice President/Senior Loan Officer, Nova Home Loans

Sierra Vista, AZ

$98,397,211

Leslie Wish

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$86,922,633

Dominic Pomila

Loan Officer, Supreme Lending

Mill Valley, CA

$57,572,000

Faris Faraj

President, Premier Lending, Inc.

Charlotte, NC

$61,304,459

Jeremy Johnson

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$79,701,355

Sofia Aerakis Travayiakis

Branch Manager, Mortgage Network, Inc.

West Roxbury, MA

Devin Fahrner

Northwest Regional VP | Mortgage Advisor, Finance of America Mortgage LLC

Eagle, ID

Linda Bertuzzi

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

Kyndle Quinones

Branch Manager, Primary Residential Mortgage, Inc.

Severna Park, MD

Robert Rudd

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$58,584,303

Ian Waite

Senior Mortgage Advisor, McLean Mortgage

Fairfax, VA

$77,342,033

Jay Richardson

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$80,483,596

Mea Danigelis

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$93,513,051

Joe Massey

Senior Loan Officer, Castle & Cooke Mortgage

Denver, CO

$55,921,067

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$80,905,529

$75,814,135

$52,554,806

$79,917,174

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

447

$42,710,138

213

$139,247,873

660

103

$81,971,902

179

$138,781,633

282

DC, VA, MD

174

$78,523,993

301

$138,774,117

475

AZ, CA, OR

167

$76,796,386

251

$137,321,075

418

AZ, CA, CO, OR, TX, WA

407

$37,829,722

185

$136,226,933

592

158

$48,708,159

112

$135,630,792

270

DC, VA, MD

$74,597,425

123

$132,169,425

190

AZ, CA, NV

$68,025,954

125

$129,330,413

222

AZ, CA, DE, GA, IL, KY, MI, NC, OR, SC, TX, VA

177

$48,612,172

124

$128,313,527

301

DC, VA, MD

147

$47,281,848

101

$128,187,377

248

MA, ME, NH, RI

188

$50,574,547

178

$126,388,682

366

CA, ID, MT, NV, WA

122

$73,749,482

220

$126,304,288

342

208

$46,025,956

130

$125,943,130

338

DC, DE, FL, GA, MD, NC, PA, SC, VA

$66,307,941

130

$124,892,244

221

DC, MD, VA

175

$47,539,204

122

$124,881,237

297

DC, MD, NC, VA, FL, WV

153

$41,232,320

$121,715,916

252

DC, MD, VA

247

$27,686,781

$121,199,832

324

DE, FL, VA, WV, MD, PA, DC

161

$658,574

210

$120,929,641

371

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Jason Rose

Senior VP/Branch Manager-Producing, Nova Home Loans

Tucson, AZ

$57,123,730

Mark Bragaw

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$67,492,903

Yvette Clermont

Branch Manager, Inlanta Mortgage

Bradenton, FL

$75,505,566

Peter DeLea

Sr Loan Originator, Weston Loan Group LLC

Newton, MA

Patrick Stoy

Broker / President, MC Mortgage Group

Wilmington, NC

$52,639,928

Kurtis Branstetter

VP/Branch Manager-Producing, Nova Home Loans

San Diego, CA

$19,539,258

Kevin Kostoff

Senior Loan Officer, Nova Home Loans

Denver, CO

$38,681,894

Sherman Dryden

Loan Officer, FitzGerald Financial Group

White Plains, MD

$67,653,086

Samuel Kotzur

Vice President, Branch Manager, McLean Mortgage

Ocean City, MD

$81,365,350

Pablo Hernandez

Loan Officer, Supreme Lending

Renton, WA

$56,448,943

Matt Gougé

Branch Manager & Loan Originator, UMortgage

Sacramento, CA

$32,760,995

Donna McKeown

Branch Manager/ Senior Loan Officer, Mortgage Network Inc.

Waltham, MA

$38,116,925

Jay Rodriguez

Mortgage Broker, Arbor Financial Group

Santa Ana, CA

$52,275,166

Todd Rego

Senior VP/Branch Manager-Producing, Nova Home Loans

Denver, CO

$38,463,400

Tim Draves

Senior Loan Officer, McLean Mortgage

Frederick, MD

$71,488,508

Michelle Jacinto

Branch Manager, Direct Mortgage Loans

St. John, IN

$88,819,843

Brian Berman

Loan Officer, Mortgage Atlanta LLC

Marietta, GA

$58,198,408

Jim Snyder

Branch Manager, Inlanta Mortgage

Pewaukee, WI

$35,339,891

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$18,136,861

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

189

$62,407,897

267

$119,531,627

456

AZ, CA

132

$51,424,870

121

$118,917,773

253

DC, VA, MD

288

$41,914,135

167

$117,419,701

455

FL, WI

$99,140,517

244

$117,277,378

275

191

$63,926,984

287

$116,566,912

478

NC, SC

$96,671,798

192

$116,211,056

215

$76,488,889

225

$115,170,783

322

189

$46,962,041

161

$114,615,127

350

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

258

$31,796,777

120

$113,162,127

378

DE, VA, MD, PA, FL

106

$54,650,487

123

$111,099,430

229

AZ, CA, OR, WA

$76,952,508

193

$109,713,503

263

$70,924,080

142

$109,041,005

198

MA, NH, FL

$56,749,895

138

$109,025,061

228

CA, CO, FL, OR, TX, WA

$69,990,975

183

$108,454,375

258

153

$34,574,369

$106,062,877

241

DC, MD, VA, WV, PA, DE

395

$15,657,307

$104,477,150

483

IL, IN

161

$46,111,300

143

$104,309,708

304

133

$68,715,616

272

$104,055,507

405

WI, FL, IL, IN, IA, MN

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Ian Brannon

Senior VP/Branch Manager-Producing, Nova Home Loans

Tucson, AZ

$45,156,795

Traci Gratzek

VP/Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$50,447,806

Irina Spector

Vice President, Community Mortgage Group

Owings Mills, MD

$33,983,227

Emma Lebedev

Vice President, Community Mortgage Group

Owings Mills, MD

$33,983,227

Robert Bassett

Branch Manager/Senior Loan Officer, McLean Mortgage

Lutherville, MD

$58,700,398

Shawn Hunt

Vice President, Area Branch Manager, McLean Mortgage

Salisbury, MD

$66,369,710

Arthur Ohr

Senior Loan Officer, FitzGerald Financial Group

Rockville, MD

$64,047,795

Hank Rhoads

Reverse Mortgage Specialist, Reverse Mortgage Funding

Lincoln, CA

$3,350,000

Daniel Hutzelman

CEO, River City Mortgage

Blue Ash, Ohio

$10,608,412

Amy Wolff

Branch Manager, Direct Mortgage Loans

Frederick, MD

$56,381,583

Jeff LaDue

Sr Loan Originator, WA First Mortgage

Kirkland, WA

$3,229,682

Jonathan Arnold

Branch Manager, Inlanta Mortgage

Ada, MI

$53,584,743

Michael Engelking

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$43,449,357

Todd Craig

Senior Vice President/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$42,364,994

Kurt McClearen

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$59,781,147

Chris Lawler

Senior VP/Branch Manager-Producing, Nova Home Loans

Chandler, AZ

$59,913,190

Gerald Zapol

Senior Loan Officer, Homespire Mortgage

Gaithersburg, MD

$45,512,752

Tim Weber

Senior Loan Officer, M2 Lending Solutions

Denver, CO

$39,886,791

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

149

$58,328,210

287

$103,485,005

436

AZ, CA, WA

136

$52,931,900

177

$103,379,706

313

AZ, IN

$69,032,968

217

$103,016,195

306

DC, FL, MD, NJ, VA, WA

$69,032,968

217

$103,016,195

306

FL, MD

175

$43,173,760

124

$101,874,158

299

MD, DE, VA

279

$34,970,851

167

$101,340,561

446

DE, VA, MD, PA, FL

172

$36,229,677

109

$100,277,472

281

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$96,232,375

135

$99,582,375

140

$88,079,394

209

$98,687,806

234

AL, AZ, AR, CA, CO, DC, DE, FL, GA, IL, IN, IA, KY, LA, ME, MD, MA, MI, NJ, NC, OH, OR, PA, RI, SC, TN, TX, VT, VA, WA

203

$41,548,669

145

$97,930,252

348

DC, DE, FL, MD, NC, PA, SC, VA, WV

$93,210,803

194

$96,440,485

203

227

$42,166,811

191

$95,751,554

418

MI, FL

123

$52,263,416

182

$95,712,773

305

AZ, CA, OR, WA

177

$52,880,065

277

$95,245,059

454

$35,318,046

138

$95,099,193

338

AZ, OR, TX, WA

207

$34,687,443

152

$94,600,633

359

AZ, CA, CO, NM, OR, TX, WA

103

$47,370,416

107

$92,883,168

210

AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, VT, VA, WA, WV, WI

$51,382,882

172

$91,269,673

265

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Don Blaize

Producing Area Manager, CMG Financial

Biloxi, MS

$78,560,132

Robert Templeton

VP/ Mortgage Loan Officer, FitzGerald Financial Group

Virginia Beach, VA

$63,754,342

Charles Baldon

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$58,822,343

Sung Kim

Regional VP Southeast Region, McLean Mortgage

Miami, FL

$25,244,878

Igor Noble

Mortgage Broker, Great Northern Mortgage Corp.

Lynbrook, NY

$52,189,633

Otmane Laassel

Branch Manager, Homespire Mortgage

Rockville, MD

$53,169,061

Loretta Flynn

Sales Manager, Senior Mortgage Advisor, McLean Mortgage

Warrenton, VA

$39,369,393

Pat Villano

Mortgage Loan Officer, Family First Funding LLC

Jackson, NJ

$37,860,716

Brian Neumann

Branch Manager, Mortgage Network, Inc.

Bluffton, SC

$58,316,522

Dennis Vo

Senior Mortgage Advisor, McLean Mortgage

Miami, FL

$53,500,838

Stephen Walker

Senior Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$37,727,478

Stacey Johnson

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$32,000,000

Dustin Dehart

VP/Branch Manager-Producing, Nova Home Loans

Las Vegas, NV

$38,326,235

Martha M Harvey

Branch Manager, Mortgage Network, Inc.

Salem, NH

Chris Parks

Senior Loan Officer, Sales Manager, McLean Mortgage

Richmond, VA

$62,638,865

Cindy Laffey

Branch Manager, Inlanta Mortgage

Overland Park, KS

$53,663,670

Paul Eiden

Senior Loan Officer, McLean Mortgage

Charlotte, NC

$55,339,348

Jason Malmstrom

VP/Regional Branch Manager, Hancock Mortgage Partners LLC

Duluth, MN

$48,312,024

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$31,152,666

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

396

$12,277,695

$90,837,827

454

AL, LA, MS

161

$27,082,899

$90,837,241

232

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

183

$31,751,077

132

$90,573,420

315

$64,421,602

130

$89,666,480

176

DC, FL, VA, MD

118

$35,122,613

$87,312,246

204

FL, NJ, NY, PA

156

$33,993,334

$87,162,395

255

DC, FL, MD, NC, PA, VA, WV

$46,078,603

129

$85,447,996

216

NC, VA, SC

$46,786,975

$84,647,691

111

164

$26,239,867

$84,556,389

238

SC, GA

109

$30,966,784

$84,467,622

178

DC, FL, MD, VA, NC

$45,649,862

113

$83,377,340

203

DE, DC, FL, MD, NC, PA, VA, WV, TN, SC

$51,000,000

178

$83,000,000

274

NC, SC, VA

116

$44,228,032

171

$82,554,267

287

AZ, CA, OR, NV

$51,325,250

128

$82,477,916

193

MA, NH, ME, FL

237

$19,822,459

$82,461,324

314

VA, FL

142

$28,493,473

$82,157,143

227

FL, KS, MO, CO

124

$25,843,

$81,182,548

201

DC, NC, SC, VA

214

$32,523,396

141

$80,835,420

355

AL, AZ, CA, CO, FL, GA, IA, MN, MS, NC, OH, PA, SC, SD, TN, TX, VA, WI

States Licensed:

AZ, CA, CT, FL, MA, NJ, NY, SC, TN

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Mike Pacheco

President/CEO, Qualified Home Loans

Laguna Hills, CA

$45,644,799

Jesse Ortiz

Senior Vice President/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$34,526,396

Steve Clifton

Mortgage Loan Originator, Mountain West Financial, Inc.

Watsonville, CA

$25,067,627

Janet Paredes

Mortgage Broker, IET Capital

Downey, CA

$39,541,859

Jill Davis

VP/CLD Branch Manager, Nova Home Loans

Tucson, AZ

$34,095,035

Ethan Lane

Branch Manager, Mortgage Network, Inc.

Mt. Pleasant, SC

$54,626,634

Jordan David Moore

Loan Officer, Mortgage Network, Inc.

Boston, MA

$63,721,695

Shelly Panzarella

Branch Manager/Loan Officer, Prosperity Lending

Las Vegas, NV

$51,640,924

Jocelyn Lasher

Senior Loan Officer, McLean Mortgage

Ashburn, VA

$47,084,421

Paula White

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$59,758,249

Darren Chamblee

Vice President, Branch Manager, McLean Mortgage

Frederick, MD

$32,964,460

Remigio Ferrara

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$24,142,309

Gabriel Libutti

Vice President of Production, Carolinas, McLean Mortgage

Cornelius, NC

$41,999,586

Becky Villasenor

Senior Loan Officer, CLM Mortgage

San Antonio, TX

$66,751,237

Chari Goodman

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$44,724,845

Ann Fisher

Loan Officer, FitzGerald Financial Group

Annapolis, MD

$52,329,415

Jason D Factor

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$44,643,199

Brian Bissell

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tucson, AZ

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$32,141,672

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$34,959,670

$80,604,469

166

162

$45,865,596

297

$80,391,992

459

$54,305,715

139

$79,373,342

190

$39,518,264

$79,060,123

155

114

$44,138,503

159

$78,233,538

273

AZ, CA, CO, FL, IL, IN, KY, NM, NV, OR, PA, NE, TX UT, WA

145

$23,309,765

$77,936,399

224

SC, GA, NC

128

$13,215,965

$76,937,660

159

MA, NH

141

$24,635,320

$76,276,244

225

109

$28,664,584

$75,749,005

189

DC, VA, MD

132

$15,973,754

$75,732,003

173

$42,638,169

139

$75,602,629

232

DC, VA, MD, PA, DE

$51,395,433

128

$75,537,742

176

DC, DE, FL, NC, SC, VA, WV, MD, PA, TN

142

$33,023,040

116

$75,022,626

258

FL, NC, SC, VA, TN

198

$7,515,498

$74,266,735

224

$29,1440

$73,868,845

159

MA, NH, ME

133

$20,795,681

$73,125,096

191

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$28,206,444

$72,849,643

145

MA, ME, NH, RI

115

$40,289,562

181

$72,431,234

296

AZ, CA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Michael Amine

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$33,961,203

Scott Lushing

Loan Officer, Fairway Independent Mortgage Corp

Wilton Manors, FL

$61,689,059

Kevin Patrick

Branch Manager, Homespire Mortgage

Winchester, VA

$50,536,286

Steve Wilcox

Loan Officer Outside Sales, PRMI

Layton, UT

$33,570,094

Janet Morley

VP/Senior Loan Officer, Nova Home Loans

Westminster, CO

$16,176,505

Roxanne Lopez

VP/Senior Loan Officer, Nova Home Loans

Green Valley, AZ

$30,743,990

Jim Driscoll

VP of Sales — New England/Methuen, Mortgage Equity Partners

Methuen, MA

$27,095,971

Brian Wada

Senior Loan Officer, Nova Home Loans

San Diego, CA

$8,815,615

Travis Wright

Branch Manager, Mortgage Network Inc.

Lexington, SC

$42,140,810

Erik Gross

Branch Manager/RMLO, Premier Nationwide Lending

Hurst, TX

$40,407,510

Chris Bufis

Loan Officrer, NewTowne Mortgage

Virginia Beach, Virginia

$48,587,988

Bradley Benham

VP/Mortgage Loan Officer, Towne Mortgage of the Carolinas

Raleigh, NC

$57,946,160

David Fiorello

Mortgage Loan Originator, USA Mortgage

McKinney, TX

$61,945,708

Brian Bloete

Vice President of Sales, Family First Funding

Rockaway, NJ

$41,250,642

Eric Painter

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tucson, AZ

$16,369,889

Rebecca Chwirut

Loan Officer, McLean Mortgage

Fairfax, VA

$56,651,037

Daniel Jackson

VP/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$32,753,548

Mary Theresa Quesnel

Branch Manager, Mortgage Network, Inc.

Westfield, MA

$43,344,456

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

106

$38,266,363

140

$72,227,566

246

AZ, WA

164

$10,018,018

$71,707,077

190

197

$20,641,581

$71,177,867

277

AL, DC, FL, GA, KY, MD, NC, OH, PA, SC, TN, VA, WV

$36,873,277

130

$70,443,371

228

AR, CA, CO, FL, ID, IL, IN, NV, NC, SC, TN, TX, UT, WY

$53,711,427

164

$69,887,932

203

125

$38,296,879

193

$69,040,869

318

AZ, IL, IN, WA

100

$40,816,697

$67,912,668

180

MA, NH

$57,982,260

$66,797,875

183

$24,638,445

116

$66,779,255

299

114

$23,524,206

198

$63,931,716

Erik’s passion is helping people achieve the dream of owning a home & bringing financial awareness in using homeownership as a tool to build wealth.

142

$14,862,863

$63,450,851

186

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

181

$5,466,750

$63,412,910

200

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

208

$1,380,010

$63,325,718

212

126

$21,865,824

$63,116,466

195

FL, NJ, NY

$46,739,819

248

$63,109,708

308

AZ, CA, NM, NV, OR, TX, WA

124

$6,325,173

$62,976,210

142

VA, MD

125

$29,365,622

160

$62,119,170

285

AZ, CA

177

$18,313,309

$61,657,765

260

MA, SC, CT

States Licensed:

GA, NC, SC

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Todd Call

Vice President, Branch Manager, McLean Mortgage

Fredericksburg, VA

$30,829,247

Sonya Pitt

Branch Manager/RMLO, Premier Nationwide Lending

Goose Creek, SC

$47,494,632

Tom Heath

VP/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$35,969,958

Kasey Martin

Loan Officer, TowneBank Mortgage

Rockville, MD

$35,513,267

Samuel Leach

Branch Manager, FitzGerald Financial Group

White Plains, MD

$34,770,039

Dennis DeGrave

Branch Manager, Inlanta Mortgage

Pewaukee, WI

$20,733,427

Jayme Kupka

Branch Manager, Inlanta Mortgage

Ames, IA

$46,965,893

Robert Kline

Sales Manager, Mortgage Network, Inc.

Danvers, MA

$18,700,745

Douglas Anderson

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$53,370,552

A.J. Campitelli

Branch Manager, FitzGerald Financial Group

Annapolis, MD

$30,805,775

Jennifer White

Senior Loan Officer, FitzGerald Financial Group

Glen Allen, VA

$43,811,017

Sarah Wrynn

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$23,128,291

Julie Korsick

VP/Senior Loan Officer, Nova Home Loans

Denver, CO

$20,977,122

Michael Orsini

Vice President, Area Sales Manager, McLean Mortgage

Frederick, MD

Linus Thalman

Senior Mortgage Consultant, Cross Country Mortgage

Berkley, MI

$30,796,791

Christopher Coy

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$37,842,274

Billy Harter

VP, Branch Manager, First Community Mortgage

Murfreesboro, TN

$24,897,609

Sean Denlinger

VP/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$34,953,506

$21,348,175

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$30,133,535

105

$60,962,782

200

168

$12,952,930

$60,447,562

227

GA, SC

130

$23,976,994

$59,946,952

227

AZ, CA, WA

$24,202,224

$59,715,491

142

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$24,596,901

$59,366,940

153

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$38,614,315

163

$59,347,742

252

217

$12,209,925

$59,175,818

278

$40,093,844

108

$58,794,589

143

MA, NH, ME

163

$5,047,482

$58,418,034

180

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$27,561,378

$58,367,153

162

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

110

$13,503,265

$57,314,282

154

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$34,130,950

166

$57,259,241

242

NC, SC, VA

$36,084,226

109

$57,061,348

158

$21,973,855

$56,927,361

133

MD, PA, VA, WV, DE

132

$25,605,827

115

$56,402,618

247

$18,026,435

$55,868,709

113

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$30,634,200

$55,531,809

143

AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

$33,803,134

182

$55,151,309

261

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Tony Ferrari

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$32,665,955

Greg Janicki

VP, Branch Manager, First Community Mortgage

Atlanta,, GA

$39,371,669

Jeremiah Good

Senior Loan Officer, McLean Mortgage

York, PA

$45,717,515

Claudia Rios

Loan Originator, First Community Mortgage

Franklin, TN

$47,712,044

Michael Baltazar

Senior Loan Officer, Nova Home Loans

Chandler, AZ

$12,214,733

Linda J. Bunce

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$28,705,555

Trent Olsen

Loan Officer, Towne Mortgage of the Carolinas

Raleigh, NC

$48,093,291

Chris Newberry

Producing Branch Manager, MiMutual Mortgage

Birmingham, MI

$17,825,993

Scott Haney

Loan Officer, FitzGerald Financial Group

Annapolis, MD

$37,467,387

William Weakley

Senior Loan Officer, Advance Financial Group

Virginia Beach, VA

$44,223,865

Steven Boyce

Loan Officer, FitzGerald Financial Group

White Plains, MD

$29,988,512

Adam Stoffregen

Partner/Owner, Method Mortgage

Birmimgham, AL

$24,237,263

Chris Donavin

Branch Loan Officer, FitzGerald Financial Group

Arlington, VA

$44,094,765

Shane Kidwell

Branch Manager, dwell Mortgage

Everett, WA

$21,046,310

Christopher Singletary

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$15,000,000

Nancy Rosenfeld

Sales Manager, McLean Mortgage

Charlotte, NC

$28,739,471

Devon Eastlack

Senior Loan Officer, McLean Mortgage

Salisbury, MD

$29,922,779

Jeffrey Henderson

Loan Officer, Method Mortgage

Birmingham, AL

$27,218,290

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$22,012,058

$54,678,013

171

OK, TX

124

$14,792,852

$54,164,521

177

AL, AR, CA, CO, CT, DC, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

209

$8,287,271

$54,004,786

259

MD, PA

193

$5,864,453

$53,576,497

220

AL, CO, CT, DE, FL, GA, ID, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NV, NM, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WY

$41,357,077

184

$53,571,810

232

AZ, CA, CO

$24,643,374

$53,348,929

107

MA, ME, NH, RI

154

$5,225,598

$53,318,889

167

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$35,186,721

147

$53,012,714

216

AZ, CA, CO, FL, IN, KY, MD, MI, MN, MO, OH, SC, TN, TX, VA

108

$15,470,637

$52,938,024

161

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

148

$8,655,640

$52,879,505

180

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$22,588,110

$52,576,622

164

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$28,103,367

$52,340,630

155

AL, FL, GA, TN

133

$8,242,964

$52,337,729

162

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$30,987,201

$52,033,511

123

$37,000,000

150

$52,000,000

191

NC, SC, VA

$23,116,261

$51,855,732

172

FL, NC,SC, VA

105

$21,882,208

$51,804,987

184

DE, MD, VA, PA, FL

$24,189,091

$51,407,381

164

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Nick Russo

Senior Loan Officer, TowneBank Mortgage

Virginia Beach, VA

$41,760,859

Marie Ritzenberg

Loan Originator, Primary Residential Mortgage, Inc.

Severna Park, MD

$29,541,475

Darius Jenkins

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$22,794,707

Kurt Satchfield

Loan Officer, Inlanta Mortgage

Biloxi, MS

$45,871,332

Benjamin Freshman

Senior Mortgage Advisor, McLean Mortgage

Fairfax, VA

$26,303,259

Blaine Staggs

Senior Loan Officer, Nova Home Loans

San Diego, CA

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | APRIL 2022

$12,231,386

By Total Dollar Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

131

$9,590,788

$51,351,647

164

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$21,672,586

$51,214,061

160

$28,142,336

$50,937,043

118

DE, DC, MD, PA, VA

232

$4,583,658

$50,454,990

257

$23,894,249

$50,197,508

DC, VA, MD, FL

$37,808,445

103

$50,039,831

133

AZ, CA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | APRIL 2022 |

TOP ORIGINATORS

here’s no doubt 2021 was a good year to be an originator. But for some outstanding loan officers it was a great year. National Mortgage Professional magazine celebrates the accomplishments of the top originators by total dollar volume who shared their success with us. It’s a group led Danny Meier, area manager, Academy Mortgage Corporation with a total of $799,353,720. Paul Volpe Senior Vice President/Senior Loan Officer, Nova Home Loans Tuscon, AZ Purchase Vol. By Dollar Amount: $198,677,114.00 Purchase Vol. by No. Of Units: 625 Refi Vol. By Dollar Amount: $273,765,454.00 Refi Vol. By No. Of Units: 1145 Dollar Vol. Total: $472,442,568.00 Unit Vol. Total: 1770 States licensed: AZ, CA, CO, FL IL, NM, NV, OR, TX, UT, WA

Christopher Keelin

Matt Oliver

North East Senior Vice President, Family First Funding LLC

Danny Meier Loan Officer, Lund Mortgage Team, Inc.

Area Manager, Academy Mortgage Corporation

Glendale, AZ

Snohomish, WA

Purchase Vol. By Dollar Amount:

Dover, NJ

Purchase Vol. By Dollar Amount:

Purchase Vol. By Dollar Amount: $289,377,800.00

$49,376,396.00

$560,667,666.00

Purchase Vol. by No. Of Units: 803

Purchase Vol. by No. Of Units: 129

Purchase Vol. by No. Of Units: 831

Refi Vol. By Dollar Amount: $240,813,341.00

Refi Vol. By Dollar Amount: $328,590,544.00

Refi Vol. By Dollar Amount: $238,686,054.00

Refi Vol. By No. Of Units: 730

Refi Vol. By No. Of Units: 1218

Refi Vol. By No. Of Units: 468

Dollar Vol. Total: $530,191,141.00

Dollar Vol. Total: $377,966,940.00

Dollar Vol. Total: $799,353,720.00

Unit Vol. Total: 1533

Unit Vol. Total: 1347

Unit Vol. Total: 1299

States licensed: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, LA, ME, MD, MA, MN, NH, NJ, NY, NC, OH, OK, PA, RI, SC, TN, TX, VT, VA, WA

States licensed: AZ

States licensed: AZ, HI, ID, OR, WA

Matt Oliver started in the mortgage industry at Chase Bank in 2006 and moved to Lund Mortgage Team in 2008.

You won’t find an originator more powerful, influential, yet humble as Area Manager Danny Meier. He is truly one to emulate.

I am a producing Manager that oversees a 50 person staff of both sales and Operations. We pride ourselves in our communication and consistency 58

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Brian Minkow

Sam Rosenblatt Divisional SVP, Mortgage Loan Originator, Homebridge Financial Services Westlake Village, CA

Reginald Maddox Mortgage Planner, Academy Mortgage Corporation

Vice President, Regional Manager, McLean Mortgage

St. Michaels, MD

Fairfax, VA

Purchase Vol. By Dollar Amount: $148,444,310.00

Purchase Vol. By Dollar Amount: $309,587,595.00

Purchase Vol. by No. Of Units: 405

Purchase Vol. by No. Of Units: 643

Refi Vol. By Dollar Amount: $189,643,293.00

Refi Vol. By Dollar Amount: $112,722,083.00

Refi Vol. By No. Of Units: 573

Refi Vol. By No. Of Units: 274

Dollar Vol. Total: $338,087,603.00

Dollar Vol. Total: $422,309,678.00

Unit Vol. Total: 978

Unit Vol. Total: 917

States licensed: CT, DC, DE, FL, GA, ME, MD, NJ, NC, PA, VT, VA

States licensed: DC, FL, MD, NC, SC, VA

States licensed: AZ, CA, CO, IN, NV, TX Brian has 20+ years of experience in the mortgage industry, with thousands of satisfied customers. He works with a wide network of Real Estate Agents.

Over 25 years ago, Mortgage Planner Sam Rosenblatt became a mortgage originator because he wanted to help people achieve their dream of homeownership.

Michael Borodinsky

Neil Kantor

Purchase Vol. By Dollar Amount: $348,865,748.00 Purchase Vol. by No. Of Units: 572 Refi Vol. By Dollar Amount: $386,589,313.00 Refi Vol. By No. Of Units: 676 Dollar Vol. Total: $735,455,061.00 Unit Vol. Total: 1248

With over 900 clients helped, and over $400M in home loans closed in 2021, my customers know they can trust me to get them the mortgage loan they need.

Matt Ferrigno

Producing Branch Manager, Caliber Home Loans

VP, Senior Mortgage Advisor, Homespire Mortgage

Edison, NJ

Gaithersburg, MD

Director of Strategic Initiatives, RCN Capital South Windsor, CT

Purchase Vol. By Dollar Amount: $211,783,618.00

Purchase Vol. By Dollar Amount: $284,532,110.00

Purchase Vol. By Dollar Amount: $115,889,326.00

Purchase Vol. by No. Of Units: 535

Purchase Vol. by No. Of Units: 637

Purchase Vol. by No. Of Units: 476

Refi Vol. By Dollar Amount: $135,116,678.00

Refi Vol. By Dollar Amount: $121,942,332.00

Refi Vol. By Dollar Amount: $130,048,343.00

Refi Vol. By No. Of Units: 379

Refi Vol. By No. Of Units: 272

Refi Vol. By No. Of Units: 399

Dollar Vol. Total: $346,900,296.00

Dollar Vol. Total: $406,474,442.00

Dollar Vol. Total: $245,937,669.00

Unit Vol. Total: 914

Unit Vol. Total: 909

Unit Vol. Total: 875

States licensed: CT, DE, FL, MD, NJ, NY, PA, VA

States licensed: AL, CA, DC, DE, FL, GA, IN, MD, MA, NH, NJ, NC, PA, SC, VA, WV

States licensed: All U.S. States

Michael Borodinsky has funded over 5 billion dollars in residential mortgage loans to over 14,000 customers over the course of his 38 yr career.

My goal is by the end of the loan process, my clients are so over the moon excited that I’ve become their loan officer for life, as well as a friend.

Matt Ferrigno, Vice President of Business Strategy, is a prolific LO at RCN

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Kenny Cheung

Sales Manager, Mortgage Loan Originator, Homebridge Financial Services

Bayside, NY

$274,927,173

Shashank Shekhar

CEO, InstaMortgage

San Jose, CA

$84,161,313

Peter Galvez

Broker, United Wholesale Lending

Sacramento, CA

$72,198,209

Jason Smith

Senior VP/Branch Manager-Producing, Nova Home Loans

Scottsdale, AZ

$145,180,512

Rene Acosta

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

Blaise Menzoni

Branch Manager, Finance of America Mortgage

Vineland, NJ

Steven Ho

Senior Loan Officer, Quontic

Astoria, NY

Ryan Jones

Loan Officer, Lund Mortgage Team, Inc.

Glendale, AZ

Chris Murphy

President, Mortgage Banker, M2 Lending Solutions

Denver, CO

Chris Leon

Senior Vice President/Senior Loan Officer, Nova Home Loans

Sierra Vista, AZ

Melissa Bell

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$206,899,727

Adrian Gastelum

VP/Branch Manager-Producing, Nova Home Loans

Peoria, AZ

$95,447,864

Saleem Ali

President, Arcus VA Mortgage

Lewisville, TX

Tony Digiuseppe

Sales Manager, Finance of America Mortgage

Scottsdale, AZ

$99,453,500

Justin Oliver

Senior VP/Branch Manager-Producing, Nova Home Loans

Gilbert, AZ

$58,865,325

Matt Garcia

Loan Officer, Supreme Lending

Alpharetta, GA

$133,689,785

David L Crowell

Regional Manager, Mortgage Network, Inc.

Hilton Head, SC

$123,377,307

Valentina Wilber

VP, Senior Mortgage Advisor, Homespire Mortgage

Gaithersburg, MD

$242,358,157

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$75,168,741

$96,537,735

$234,359,320

$19,326,740

$113,386,096

$98,397,211

$7,111,217

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

539

$164,476,017

296

$439,403,190

835

192

$255,880,023

625

$340,041,336

817

AL, AZ, CA, CO, CT, FL, GA, ID, IL, IN, MD, MI, MN, NV, NJ, NY, NC, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI

169

$234,341,233

628

$306,539,442

797

437

$83,035,126

297

$228,215,638

734

AZ, CA, CO, IL, IN, NE, NM, OR, TX, WA

316

$66,225,416

351

$141,394,157

667

AZ, CA, NV

447

$42,710,138

213

$139,247,873

660

592

$23,309,350

$257,668,670

643

Continental U.S.

$154,966,025

587

$174,292,765

641

249

$119,346,435

365

$119,346,435

614

407

$37,829,722

185

$136,226,933

592

408

$72,327,556

181

$279,227,283

589

AL, DC, NC, SC, TN, VA, MD, FL

302

$65,327,850

283

$160,775,714

585

$196,153,299

533

$203,264,516

553

AL AZ CA CO CT DC FL GA ID IL IN MD MA MI MN NV NJ NC OH OK OR PA SC TN TX VA WA

178

$171,427,980

346

$270,881,480

524

AZ, CA, CO, HI, ID, IL, NV, NM, OR, TX, WA

174

$95,113,947

348

$153,979,272

522

418

$30,541,474

$164,231,259

514

273

$99,813,835

239

$223,191,142

512

GA, MA, NJ, NC, SC, FL, VA

441

$36,214,437

$278,572,594

507

DC, MD, NC, VA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Wesley Ryan Grubbs

Senior Mortgage Banker, Mid America Mortgage

Dallas, TX

$121,681,487

Lance Dickson

Senior VP/Partner/Branch Manager — Producing, Nova Home Loans

Tuscon, AZ

$62,140,884

Michelle Jacinto

Branch Manager, Direct Mortgage Loans

St. John, IN

$88,819,843

Patrick Stoy

Broker / President, MC Mortgage Group

Wilmington, NC

$52,639,928

Jared Thom

VP/Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$60,250,124

Phil Jawny

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$138,003,094

Jesse Ortiz

Senior Vice President/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$34,526,396

Jason Rose

Senior VP/Branch Manager-Producing, Nova Home Loans

Tucson, AZ

Yvette Clermont

Branch Manager, Inlanta Mortgage

Bradenton, FL

$75,505,566

Don Blaize

Producing Area Manager, CMG Financial

Biloxi, MS

$78,560,132

Todd Craig

Senior Vice President/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$42,364,994

Clint Hammond

Branch Manager, Mortgage Network, Inc.

Columbia, SC

$70,427,228

Carol O’Connell

Vice President, Builder Division, McLean Mortgage

Fairfax, VA

$191,394,755

Andrea Wine

Senior Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$103,703,990

Shawn Hunt

Vice President, Area Branch Manager, McLean Mortgage

Salisbury, MD

$66,369,710

Carlos Martinez

Branch Manager, Homespire Mortgage

Rockville, MD

$92,527,599

Ray Shanahan

VP/Senior Mortgage Loan Officer, NewTowne Mortgage

Charlotte, NC

$142,368,625

Ian Brannon

Senior VP/Branch Manager-Producing, Nova Home Loans

Tucson, AZ

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$57,123,730

$45,156,795

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

371

$36,930,068

134

$158,611,555

505

177

$77,708,450

309

$139,849,334

486

AZ, FL, NM

395

$15,657,307

$104,477,150

483

IL, IN

191

$63,926,984

287

$116,566,912

478

NC, SC

174

$78,523,993

301

$138,774,117

475

AZ, CA, OR

442

$8,101,695

$146,104,789

470

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

162

$45,865,596

297

$80,391,992

459

189

$62,407,897

267

$119,531,627

456

AZ, CA

288

$41,914,135

167

$117,419,701

455

FL, WI

396

$12,277,695

$90,837,827

454

AL, LA, MS

177

$52,880,065

277

$95,245,059

454

222

$69,915,266

230

$140,342,494

452

GA, NC, SC, TN

395

$21,777,134

$213,171,889

447

DE, DC, FL, MD, NC, SC, VA

192

$112,391,342

254

$216,095,332

446

DE, DC, FL, MD, NC, PA, SC, VA

279

$34,970,851

167

$101,340,561

446

DE, VA, MD, PA, FL

277

$54,341,606

163

$146,869,205

440

DC, MD, VA

355

$32,433,445

$174,802,070

440

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

149

$58,328,210

287

$103,485,005

436

AZ, CA, WA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Greg Gale

Senior VP/Branch Manager-Producing, Nova Home Loans

Scottsdale, AZ

$60,524,689

Jonathan Arnold

Branch Manager, Inlanta Mortgage

Ada, MI

$53,584,743

Jimmy Kwan

Broker Officer, Tigen Financial, Inc.

Arcadia, CA

$10,222,831

Jim Snyder

Branch Manager, Inlanta Mortgage

Pewaukee, WI

$35,339,891

Timothy Taylor

Area Manager, Mortgage Loan Originator, Homebridge Financial Services

Santa Barbara, CA

Samuel Kotzur

Vice President, Branch Manager, McLean Mortgage

Ocean City, MD

$81,365,350

Michael Stein

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$82,785,975

Joe Massey

Senior Loan Officer, Castle & Cooke Mortgage

Denver, CO

$55,921,067

Devin Fahrner

Northwest Regional VP | Mortgage Advisor, Finance of America Mortgage LLC

Eagle, ID

$75,814,135

Chris Lawler

Senior VP/Branch Manager-Producing, Nova Home Loans

Chandler, AZ

$59,913,190

Jason Malmstrom

VP/Regional Branch Manager, Hancock Mortgage Partners, LLC

Duluth, MN

$48,312,024

Sherman Dryden

Loan Officer, FitzGerald Financial Group

White Plains, MD

$67,653,086

Amy Wolff

Branch Manager, Direct Mortgage Loans

Frederick, MD

$56,381,583

Linda Bertuzzi

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

$52,554,806

Kyndle Quinones

Branch Manager, Primary Residential Mortgage, Inc.

Severna Park, MD

$79,917,174

Kurt McClearen

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$59,781,147

Mea Danigelis

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$93,513,051

Kevin Kostoff

Senior Loan Officer, Nova Home Loans

Denver, CO

$38,681,894

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$113,191,158

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

167

$76,796,386

251

$137,321,075

418

AZ, CA, CO, OR, TX, WA

227

$42,166,811

191

$95,751,554

418

MI, FL

$153,974,020

392

$164,196,851

412

133

$68,715,616

272

$104,055,507

405

WI, FL, IL, IN, IA, MN

114

$192,870,883

265

$306,062,041

379

258

$31,796,777

120

$113,162,127

378

DE, VA, MD, PA, FL

159

$90,441,991

216

$173,227,966

375

DC, FL, MD, NC, VA, PA, DE

161

$65,008,574

210

$120,929,641

371

188

$50,574,547

178

$126,388,682

366

CA, ID, MT, NV, WA

207

$34,687,443

152

$94,600,633

359

AZ, CA, CO, NM, OR, TX, WA

214

$32,523,396

141

$80,835,420

355

AL, AZ, CA, CO, FL, GA, IA, MN, MS, NC, OH, PA, SC, SD, TN, TX, VA, WI

189

$46,962,041

161

$114,615,127

350

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

203

$41,548,669

145

$97,930,252

348

DC, DE, FL, MD, NC, PA, SC, VA, WV

122

$73,749,482

220

$126,304,288

342

208

$46,025,956

130

$125,943,130

338

DC, DE, FL, GA, MD, NC, PA, SC, VA

200

$35,318,046

138

$95,099,193

338

AZ, OR, TX, WA

247

$27,686,781

$121,199,832

324

DE, FL, VA, WV, MD, PA, DC

$76,488,889

225

$115,170,783

322

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Nelson Howe

VP/Senior Loan Officer, Nova Home Loans

Denver, CO

$73,547,696

Mark Johnson

Sales Manager, Mortgage Loan Originator, Homebridge Financial Services

Calabasas, CA

$98,584,690

Roxanne Lopez

VP/Senior Loan Officer, Nova Home Loans

Green Valley, AZ

$30,743,990

Charles Baldon

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$58,822,343

Chris Parks

Senior Loan Officer, Sales Manager, McLean Mortgage

Richmond, VA

$62,638,865

Traci Gratzek

VP/Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$50,447,806

Eric Painter

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tucson, AZ

$16,369,889

Irina Spector

Vice President, Community Mortgage Group

Owings Mills, MD

$33,983,227

Emma Lebedev

Vice President, Community Mortgage Group

Owings Mills, MD

$33,983,227

Michael Engelking

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$43,449,357

Brian Berman

Loan Officer, Mortgage Atlanta LLC

Marietta, GA

$58,198,408

Troy Toureau

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$62,247,465

Vincent Coyle

Vice President, Senior Loan Officer, McLean Mortgage

Arlington, VA

$90,930,319

Jeremy Johnson

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$79,701,355

Travis Wright

Branch Manager, Mortgage Network, Inc.

Lexington, SC

$42,140,810

Robert Bassett

Branch Manager/Senior Loan Officer, McLean Mortgage

Lutherville, MD

$58,700,398

Ian Waite

Senior Mortgage Advisor, McLean Mortgage

Fairfax, VA

$77,342,033

Brian Bissell

Senior Vice President/Senior Loan Officer, Nova Home Loans

Tucson, AZ

$32,141,672

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

130

$82,323,727

190

$155,871,423

320

126

$125,038,541

192

$223,623,231

318

AZ, CA, NM

125

$38,296,879

193

$69,040,869

318

AZ, IL, IN, WA

183

$31,751,077

132

$90,573,420

315

237

$19,822,459

$82,461,324

314

VA, FL

136

$52,931,900

177

$103,379,706

313

AZ, IN

$46,739,819

248

$63,109,708

308

AZ, CA, NM, NV, OR, TX, WA

$69,032,968

217

$103,016,195

306

DC, FL, MD, NJ, VA, WA

$69,032,968

217

$103,016,195

306

FL, MD

123

$52,263,416

182

$95,712,773

305

AZ, CA, OR, WA

161

$46,111,300

143

$104,309,708

304

117

$78,966,572

185

$141,214,037

302

DC, FL, MD, VA

175

$59,840,080

126

$150,770,399

301

DC, MD, VA

177

$48,612,172

124

$128,313,527

301

DC, VA, MD

183

$24,638,445

116

$66,779,255

299

GA, NC, SC

175

$43,173,760

124

$101,874,158

299

MD, DE, VA

175

$47,539,204

122

$124,881,237

297

DC, MD, NC, VA, FL, WV

115

$40,289,562

181

$72,431,234

296

AZ, CA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Brian Atallian

LO, Pike Creek Mortgage

Newark, DE

$347,044,063

Dustin Dehart

VP/Branch Manager-Producing, Nova Home Loans

Las Vegas, NV

$38,326,235

Daniel Jackson

VP/Senior Loan Officer, Nova Home Loans

Yuma, AZ

$32,753,548

Ravi A Pahuja

Senior Loan Officer, Mortgage Network, Inc.

Boston, MA

$77,351,086

Vincent Apostolico

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$56,809,731

Arthur Ohr

Senior Loan Officer, FitzGerald Financial Group

Rockville, MD

$64,047,795

Jayme Kupka

Branch Manager, Inlanta Mortgage

Ames, IA

$46,965,893

Kevin Patrick

Branch Manager, Homespire Mortgage

Winchester, VA

$50,536,286

Michael Trejo

Broker/Owner, Bridgepoint Funding

Pleasant Hill, CA

$55,479,733

Peter DeLea

Sr Loan Originator, Weston Loan Group, LLC

Newton, MA

$18,136,861

Stacey Johnson

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$32,000,000

Jill Davis

VP/CLD Branch Manager, Nova Home Loans

Tucson, AZ

$34,095,035

Leslie Wish

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$86,922,633

Ali Ghassemi

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$100,746,467

Tim Weber

Senior Loan Officer, M2 Lending Solutions

Denver, CO

$39,886,791

Matt Gougé

Branch Manager & Loan Originator, UMortgage

Sacramento, CA

$32,760,995

Sean Denlinger

VP/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

Mary Theresa Quesnel

Branch Manager, Mortgage Network, Inc.

Westfield, MA

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$21,348,175

$43,344,456

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

121

$40,216,202

169

$387,260,265

290

DE MD NJ PA

116

$44,228,032

171

$82,554,267

287

AZ, CA, OR, NV

125

$29,365,622

160

$62,119,170

285

AZ, CA

129

$86,457,866

155

$163,808,952

284

MA, CT, ME, NH, RI

103

$81,971,902

179

$138,781,633

282

DC, VA, MD

172

$36,229,677

109

$100,277,472

281

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

217

$12,209,925

$59,175,818

278

197

$20,641,581

$71,177,867

277

AL, DC, FL, GA, KY, MD, NC, OH, PA, SC, TN, VA, WV

$93,460,021

201

$148,939,754

276

$99,140,517

244

$117,277,378

275

$51,000,000

178

$83,000,000

274

NC, SC, VA

114

$44,138,503

159

$78,233,538

273

AZ, CA, CO, FL, IL, IN, KY, NM, NV, OR, PA, NE, TX UT, WA

158

$48,708,159

112

$135,630,792

270

DC, VA, MD

177

$40,199,447

$140,945,914

268

DC, VA, MD

$51,382,882

172

$91,269,673

265

$76,952,508

193

$109,713,503

263

$33,803,134

182

$55,151,309

261

177

$18,313,309

$61,657,765

260

MA, SC, CT

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Jeremiah Good

Senior Loan Officer, McLean Mortgage

York, PA

Todd Rego

Senior VP/Branch Manager-Producing, Nova Home Loans

Denver, CO

Gabriel Libutti

Vice President of Production, Carolinas, McLean Mortgage

Cornelius, NC

$41,999,586

Kurt Satchfield

Loan Officer, Inlanta Mortgage

Biloxi, MS

$45,871,332

Otmane Laassel

Branch Manager, Homespire Mortgage

Rockville, MD

$53,169,061

Mark Bragaw

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$67,492,903

Jay Richardson

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$80,483,596

Dennis DeGrave

Branch Manager, Inlanta Mortgage

Pewaukee, WI

$20,733,427

Sofia Aerakis Travayiakis

Branch Manager, Mortgage Network, Inc.

West Roxbury, MA

$80,905,529

Dave Hartman

Branch Manager, Inlanta Mortgage

Green Bay, WI

$21,574,619

Linus Thalman

Senior Mortgage Consultant, Cross Country Mortgage

Berkley, MI

$30,796,791

Michael Amine

VP/Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$33,961,203

Joey Starcher

Loan Officer, Victorian Finance LLC

Charleston, WV

$32,397,157

Eric Johnson

Branch Manager, Inlanta Mortgage

Green Bay, WI

$20,571,972

Sarah Wrynn

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$23,128,291

Tim Draves

Senior Loan Officer, McLean Mortgage

Frederick, MD

$71,488,508

Brian Neumann

Branch Manager, Mortgage Network, Inc.

Bluffton, SC

$58,316,522

Daniel Hutzelman

CEO, River City Mortgage

Blue Ash, OH

$10,608,412

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$45,717,515

$38,463,400

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

209

$8,287,271

$54,004,786

259

MD, PA

$69,990,975

183

$108,454,375

258

142

$33,023,040

116

$75,022,626

258

FL, NC, SC, VA, TN

232

$4,583,658

$50,454,990

257

156

$33,993,334

$87,162,395

255

DC, FL, MD, NC, PA, VA, WV

132

$51,424,870

121

$118,917,773

253

DC, VA, MD

153

$41,232,320

$121,715,916

252

DC, MD, VA

$38,614,315

163

$59,347,742

252

147

$47,281,848

101

$128,187,377

248

MA, ME, NH, RI

121

$21,911,812

127

$43,486,431

248

132

$25,605,827

115

$56,402,618

247

106

$38,266,363

140

$72,227,566

246

AZ, WA

174

$13,797,206

$46,194,363

244

$26,803,409

146

$47,375,381

244

$34,130,950

166

$57,259,241

242

NC, SC, VA

153

$34,574,369

$106,062,877

241

DC, MD, VA, WV, PA, DE

164

$26,239,867

$84,556,389

238

SC, GA

$88,079,394

209

$98,687,806

234

AL, AZ, AR, CA, CO, DC, DE, FL, GA, IL, IN, IA, KY, LA, ME, MD, MA, MI, NJ, NC, OH, OR, PA, RI, SC, TN, TX, VT, VA, WA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Robert Templeton

VP/Mortgage Loan Officer, FitzGerald Financial Group

Virginia Beach, VA

$63,754,342

Michael Baltazar

Senior Loan Officer, Nova Home Loans

Chandler, AZ

$12,214,733

Darren Chamblee

Vice President, Branch Manager, McLean Mortgage

Frederick, MD

$32,964,460

Pablo Hernandez

Loan Officer, Supreme Lending

Renton, WA

$56,448,943

Jay Rodriguez

Mortgage Broker, Arbor Financial Group

Santa Ana, CA

$52,275,166

Steve Wilcox

Loan Officer Outside Sales, PRMI

Layton, UT

$33,570,094

Sonya Pitt

Branch Manager/RMLO, Premier Nationwide Lending

Goose Creek, SC

$47,494,632

Tom Heath

VP/Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$35,969,958

Cindy Laffey

Branch Manager, Inlanta Mortgage

Overland Park, KS

$53,663,670

Shelly Panzarella

Branch Manager/Loan Officer, Prosperity Lending

Las Vegas, NV

$51,640,924

Becky Villasenor

Senior Loan Officer, CLM Mortgage

San Antonio, TX

$66,751,237

Ethan Lane

Branch Manager, Mortgage Network, Inc.

Mt. Pleasant, SC

$54,626,634

Faris Faraj

President, Premier Lending, Inc.

Charlotte, NC

$61,304,459

Robert Rudd

Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$58,584,303

Claudia Rios

Loan Originator, First Community Mortgage

Franklin, TN

$47,712,044

Chris Newberry

Producing Branch Manager, MiMutual Mortgage

Birmingham, MI

$17,825,993

Loretta Flynn

Sales Manager, Senior Mortgage Advisor, McLean Mortgage

Warrenton, VA

$39,369,393

Melanie Brown

Branch Manager/RMLO, Premier Nationwide Lending

Arcadia, FL

$36,057,096

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

161

$27,082,899

$90,837,241

232

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$41,357,077

184

$53,571,810

232

AZ, CA, CO

$42,638,169

139

$75,602,629

232

DC, VA, MD, PA, DE

106

$54,650,487

123

$111,099,430

229

AZ, CA, OR, WA

$56,749,895

138

$109,025,061

228

CA, CO, FL, OR, TX, WA

$36,873,277

130

$70,443,371

228

AR, CA, CO, FL, ID, IL, IN, NV, NC, SC, TN, TX, UT, WY

168

$12,952,930

$60,447,562

227

GA, SC

130

$23,976,994

$59,946,952

227

AZ, CA, WA

142

$28,493,473

$82,157,143

227

FL, KS, MO, CO

141

$24,635,320

$76,276,244

225

198

$7,515,498

$74,266,735

224

145

$23,309,765

$77,936,399

224

SC, GA, NC

$68,025,954

125

$129,330,413

222

AZ, CA, DE, GA, IL, KY, MI, NC, OR, SC, TX, VA

$66,307,941

130

$124,892,244

221

DC, MD, VA

193

$5,864,453

$53,576,497

220

AL, CO, CT, DE, FL, GA, ID, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NV, NM, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WY

$35,186,721

147

$53,012,714

216

AZ, CA, CO, FL, IN, KY, MD, MI, MN, MO, OH, SC, TN, TX, VA

$46,078,603

129

$85,447,996

216

NC, VA, SC

173

$7,902,427

$43,959,523

215

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Kurtis Branstetter

VP/Branch Manager-Producing, Nova Home Loans

San Diego, CA

$19,539,258

Hannah Joplin

Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$19,032,879

David Fiorello

Mortgage Loan Originator, USA Mortgage

McKinney, TX

$61,945,708

Gerald Zapol

Senior Loan Officer, Homespire Mortgage

Gaithersburg, MD

$45,512,752

Igor Noble

Mortgage Broker, Great Northern Mortgage Corp.

Lynbrook, NY

$52,189,633

Wendy Landis

Vice President, Branch Manager, McLean Mortgage

York, PA

$34,263,748

Jeff LaDue

Sr Loan Originator, WA First Mortgage

Kirkland, WA

$3,229,682

Bruce Barilar

Branch Manager, Mortgage Network, Inc.

Harrisburg, PA

$41,544,044

Janet Morley

VP/Senior Loan Officer, Nova Home Loans

Westminster, CO

$16,176,505

Stephen Walker

Senior Vice President, Branch Manager, McLean Mortgage

Fairfax, VA

$37,727,478

Paul Eiden

Senior Loan Officer, McLean Mortgage

Charlotte, NC

$55,339,348

Bradley Benham

VP/Mortgage Loan Officer, Towne Mortgage of the Carolinas

Raleigh, NC

$57,946,160

Todd Call

Vice President, Branch Manager, McLean Mortgage

Fredericksburg, VA

$30,829,247

Erik Gross

Branch Manager/RMLO, Premier Nationwide Lending

Hurst, TX

$40,407,510

Donna McKeown

Branch Manager/ Senior Loan Officer, Mortgage Network, Inc.

Waltham, MA

$38,116,925

Justin Pinkerton

Mortgage Consultant, Arbor Bank

Omaha, NE

$20,628,971

Brian Bloete

Vice President of Sales, Family First Funding

Rockaway, NJ

$41,250,642

Martha M Harvey

Branch Manager, Mortgage Network, Inc.

Salem, NH

$31,152,666

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$96,671,798

192

$116,211,056

215

$29,953,841

142

$48,986,720

215

AZ, CA

208

$1,380,010

$63,325,718

212

103

$47,370,416

107

$92,883,168

210

AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, VT, VA, WA, WV, WI

118

$35,122,613

$87,312,246

204

FL, NJ, NY, PA

172

$6,473,894

$40,737,642

204

DE, VA, MD, PA, FL

$93,210,803

194

$96,440,485

203

187

$2,961,010

$44,505,054

203

$53,711,427

164

$69,887,932

203

$45,649,862

113

$83,377,340

203

DE, DC, FL, MD, NC, PA, VA, WV, TN, SC

124

$25,843,200

$81,182,548

201

DC, NC, SC, VA

181

$5,466,750

$63,412,910

200

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$30,133,535

105

$60,962,782

200

114

$23,524,206

$63,931,716

198

$70,924,080

142

$109,041,005

198

MA, NH, FL

$28,419,353

123

$49,048,324

197

All U.S. States

126

$21,865,824

$63,116,466

195

FL, NJ, NY

$51,325,250

128

$82,477,916

193

MA, NH, ME, FL

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Christopher Singletary

Mortgage Loan Officer, Coastal Credit Union

Raleigh, NC

$15,000,000

Ann Fisher

Loan Officer, FitzGerald Financial Group

Annapolis, MD

$52,329,415

Laura Ponce

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$20,115,097

Scott Lushing

Loan Officer, Fairway Independent Mortgage Corp

Wilton Manors, FL

$61,689,059

Matt McDaniel

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$39,363,593

Dominic Pomila

Loan Officer, Supreme Lending

Mill Valley, CA

$57,572,000

Steve Clifton

Mortgage Loan Originator, Mountain West Financial, Inc.

Watsonville, CA

$25,067,627

Jocelyn Lasher

Senior Loan Officer, McLean Mortgage

Ashburn, VA

$47,084,421

Chris Bufis

Loan Officer, NewTowne Mortgage

Virginia Beach, VA

$48,587,988

Devon Eastlack

Senior Loan Officer, McLean Mortgage

Salisbury, MD

$29,922,779

Denise Abarca

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$31,043,957

Dee Cayo

Branch Manager, Inlanta Mortgage

Winchester, WI

$28,189,217

Jeannie Davis

VP/Senior Loan Officer, Nova Home Loans

Tucson, AZ

$24,291,338

Jim Driscoll

VP of Sales — New England/Methuen, Mortgage Equity Partners

Methuen, MA

$27,095,971

Douglas Anderson

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$53,370,552

William Weakley

Senior Loan Officer, Advance Financial Group

Virginia Beach, VA

$44,223,865

Cody Heard

Branch Manager/RMLO, Premier Nationwide Lending

Lake Charles, LA

$30,757,095

Dennis Vo

Senior Mortgage Advisor, McLean Mortgage

Miami, FL

$53,500,838

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$37,000,000

150

$52,000,000

191

NC, SC, VA

133

$20,795,681

$73,125,096

191

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$18,547,324

112

$38,662,421

191

164

$10,018,018

$71,707,077

190

156

$7,993,464

$47,357,057

190

FL, NM, OK, TX

$74,597,425

123

$132,169,425

190

AZ, CA, NV

$54,305,715

139

$79,373,342

190

109

$28,664,584

$75,749,005

189

DC, VA, MD

142

$14,862,863

$63,450,851

186

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

105

$21,882,208

$51,804,987

184

DE, MD, VA, PA, FL

109

$15,310,057

$46,354,014

182

AZ, CA

126

$11,109,273

$39,298,490

182

FL, MI, WI, IL, MN

$20,984,006

$45,275,344

181

100

$40,816,697

$67,912,668

180

MA, NH

163

$5,047,482

$58,418,034

180

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

148

$8,655,640

$52,879,505

180

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

144

$7,854,317

$38,611,412

179

109

$30,966,784

$84,467,622

178

DC, FL, MD, VA, NC

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Greg Janicki

VP, Branch Manager, First Community Mortgage

Atlanta, GA

$39,371,669

Sung Kim

Regional VP Southeast Region, McLean Mortgage

Miami, FL

$25,244,878

Remigio Ferrara

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$24,142,309

Paula White

Senior Vice President, Business Development, McLean Mortgage

Fairfax, VA

$59,758,249

Nancy Rosenfeld

Sales Manager, McLean Mortgage

Charlotte, NC

$28,739,471

Tony Ferrari

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$32,665,955

John Kin-Bayze

Senior Loan Officer, Nova Home Loans

Tucson, AZ

Chuck Spirer

Loan Officer, Victorian Finance LLC

Pittsburgh, PA

$28,318,666

Donna Backus

Loan Officer, Victorian Finance LLC

Hurricane, WV

$19,721,972

Corey Glowacki

Mortgage Banker, Direct Mortgage Loans

Bel Air, MD

$34,763,589

Trent Olsen

Loan Officer, Towne Mortgage of the Carolinas

Raleigh, NC

$48,093,291

Craig March

Branch Manager, Inlanta Mortgage

Janesville, WI

$18,571,926

Mike Pacheco

President/CEO, Qualified Home Loans

Laguna Hills, CA

$45,644,799

Cayce Lyn Connell

Branch Manager/RMLO, Perennial Mortgage Group

Raleigh, NC

$19,522,097

Jenine Roach

Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$20,279,807

Jeffrey Henderson

Loan Officer, Method Mortgage

Birmingham, AL

$27,218,290

Nick Russo

Senior Loan Officer, TowneBank Mortgage

Virginia Beach, VA

$41,760,859

Steven Boyce

Loan Officer, FitzGerald Financial Group

White Plains, MD

$29,988,512

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$15,149,924

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

124

$14,792,852

$54,164,521

177

AL, AR, CA, CO, CT, DC, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

$64,421,602

130

$89,666,480

176

DC, FL, VA, MD

$51,395,433

128

$75,537,742

176

DC, DE, FL, NC, SC, VA, WV, MD, PA, TN

132

$15,973,754

$75,732,003

173

$23,116,261

$51,855,732

172

FL, NC,SC, VA

$22,012,058

$54,678,013

171

OK, TX

$21,407,554

106

$36,557,478

170

112

$15,678,821

$43,997,487

169

FL, MD, PA

149

$2,789,900

$22,511,872

169

OH, WV

115

$13,578,122

$48,341,711

167

154

$5,225,598

$53,318,889

167

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

114

$9,288,535

$27,860,461

167

$34,959,670

$80,604,469

166

$24,888,325

102

$44,410,422

165

FL, NC

$15,202,051

$35,481,858

165

24,189,091

$51,407,381

164

131

$9,590,788

$51,351,647

164

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$22,588,110

$52,576,622

164

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Dave Leeder

Branch Manager, Inlanta Mortgage

Madison, WI

$22,048,882

Dave Selleck

Branch Manager, Inlanta Mortgage

Appleton, WI

$15,385,210

A.J. Campitelli

Branch Manager, FitzGerald Financial Group

Annapolis, MD

$30,805,775

Chris Donavin

Branch Loan Officer, FitzGerald Financial Group

Arlington, VA

$44,094,765

Scott Haney

Loan Officer, FitzGerald Financial Group

Annapolis, MD

$37,467,387

Marie Ritzenberg

Loan Originator, Primary Residential Mortgage, Inc.

Severna Park, MD

$29,541,475

Michael Laucks

Senior Loan Officer, McLean Mortgage

York, PA

$28,496,126

Herb Lessmiller

Branch Manager, Inlanta Mortgage

Schofield, WI

$21,604,308

Chari Goodman

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$44,724,845

Jordan David Moore

Loan Officer, Mortgage Network, Inc.

Boston, MA

$63,721,695

Julie Korsick

VP/Senior Loan Officer, Nova Home Loans

Denver, CO

$20,977,122

Denice Cereceres

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$21,899,762

Rich Hillman

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$11,344,913

Adam Stoffregen

Partner/Owner, Method Mortgage

Birmimgham, AL

$24,237,263

Janet Paredes

Mortgage Broker, IET Capital

Downey, CA

$39,541,859

Cindy Baker

Senior Mortgage Loan Advisor, Geneva Financial

Madison, IN

$16,960,887

Kevin Eugene Downs

Branch Manager, Mortgage Network, Inc.

York, PA

$16,367,650

Jennifer White

Senior Loan Officer, FitzGerald Financial Group

Glen Allen, VA

$43,811,017

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$20,452,294

$42,501,176

164

$17,468,667

$32,853,877

164

WI, IL

$27,561,378

$58,367,153

162

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

133

$8,242,964

$52,337,729

162

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

108

$15,470,637

$52,938,024

161

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$21,672,586

$51,214,061

160

138

$4,648,159

$33,144,285

160

MD, PA

125

$5,217,974

$26,822,282

160

$29,144,000

$73,868,845

159

MA, NH, ME

128

$13,215,965

$76,937,660

159

MA, NH

$36,084,226

109

$57,061,348

158

$19,429,883

$41,329,645

158

AZ, NM

$26,944,644

123

$38,289,557

158

$28,103,367

$52,340,630

155

AL, FL, GA, TN

$39,518,264

$79,060,123

155

108

$7,268,951

$24,229,838

154

IN, KY

$15,938,852

$32,306,502

154

PA, MD

110

$13,503,265

$57,314,282

154

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Samuel Leach

Branch Manager, FitzGerald Financial Group

White Plains, MD

$34,770,039

Amelia Olvera

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$12,578,447

Steven Kern

Certified Mortgage Planner, Inlanta Mortgage

Pewaukee, WI

$8,946,316

David Stein

Executive VP of Sales, Family First Funding LLC

Toms River, NJ

$27,105,460

Claudia Gutierrez

Senior Loan Officer, McLean Mortgage

Cornelius, NC

$27,529,965

Luis Lopez

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$18,693,995

Jason D Factor

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$44,643,199

Brian Swanson

Branch Manager, Inlanta Mortgage

West Des Moines, IA

$17,026,987

Jesse Koch

Loan Officer, Inlanta Mortgage

Appleton, WI

$12,990,168

David Pellegrino

Senior Loan Officer, Nova Home Loans

Denver, CO

Brad Henderson

Loan Officer, Nova Home Loans

Las Vegas, NV

$17,566,734

Patrick Randles

Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$15,322,926

Billy Harter

VP, Branch Manager, First Community Mortgage

Murfreesboro, TN

$24,897,609

Robert Kline

Sales Manager, Mortgage Network, Inc.

Danvers, MA

$18,700,745

Ginger Carnright

RMLO, Premier Nationwide Lending

Austin, TX

$37,469,789

Carrie A Hamel

Branch Manager, Mortgage Network, Inc.

Longmeadow, MA

$22,898,785

Kasey Martin

Loan Officer, TowneBank Mortgage

Rockville, MD

$35,513,267

Rebecca Chwirut

Loan Officer, McLean Mortgage

Fairfax, VA

$56,651,037

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$20,665,053

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$24,596,901

$59,366,940

153

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$12,693,718

$25,272,165

153

AZ, CA

$30,842,827

122

$39,789,143

152

WI, FL, MN

$19,571,841

$46,677,301

149

CA, CO, CT, FL, GA, LA, MD, MA, NJ, NY, NC, OH, PA, SC, TN, TX, VA

117

$6,308,564

$33,838,529

148

NC, SC

$11,666,851

$30,360,846

146

$28,206,444

$72,849,643

145

MA, ME, NH, RI

$13,958,086

$30,985,073

145

IA, KS, MO, AZ

$11,192,194

$24,182,362

145

$25,395,189

$46,060,242

144

CO, TX

$20,696,258

$38,262,992

144

$17,566,515

$32,889,441

144

$30,634,200

$55,531,809

143

AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

$40,093,844

108

$58,794,589

143

MA, NH, ME

115

$7,578,203

$45,047,992

142

$13,402,792

$36,301,577

142

CT, MA, SC

$24,202,224

$59,715,491

142

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

124

$6,325,173

$62,976,210

142

VA, MD

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Craig Tindall

Partner/Owner, Method Mortgage

Birmingham, AL

$19,551,273

Katya Magee

Senior Loan Officer, Mortgage Network, Inc.

Longmeadow, MA

$27,189,466

Chris Pedison

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$25,723,709

Hank Rhoads

Reverse Mortgage Specialist, Reverse Mortgage Funding

Lincoln, CA

$3,350,000

Kenneth J Askins

Senior Loan Officer, Mortgage Network, Inc.

Longmeadow, MA

$21,432,710

Dustin Rosenberg

Principal & CEO, Convoy Home Loans

El Segundo, CA

Blain Holt

Senior Mortgage Banker, RedRock Mortgage, a DBA of Mid America Mortgage, Inc

Oklahoma City, OK

$19,169,468

Cheryl Braunschweiger

VP/Branch Manager-Producing, Nova Home Loans

Westminster, CO

$15,088,524

Balenda Hetzel

Regional Production Manager, Inlanta Mortgage

Destin, FL

$34,727,615

Kip Warzon

Branch Manager, Inlanta Mortgage

Greenfield, WI

Javier Mendoza

Branch Manager, Inlanta Mortgage

Carpentersville, IL

$13,527,243

Doris Trogdon

Loan Officer, Victorian Finance LLC

Hillsborough, NC

$17,843,703

DeAnna Morgan

Senior Loan Officer, Mid America Mortgage

Flower Mound, TX

$24,256,498

Aaron Benton

Loan Officer, Mortgage Network, Inc.

Hilton Head, SC

$33,164,286

Diana Stoehr

Loan Officer, Inlanta Mortgage

Pewaukee, WI

$14,610,662

Tomekia Rochelle Hunt

Senior Loan Originator, Mid America Mortgage

Dallas, TX

$23,767,104

Blaine Staggs

Senior Loan Officer, Nova Home Loans

San Diego, CA

$12,231,386

Michael Orsini

Vice President, Area Sales Manager, McLean Mortgage

Frederick, MD

$34,953,506

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$74,656,000

$10,119,310

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$24,493,900

$44,045,173

141

AL, FL, GA, TN

115

$5,303,879

$32,493,345.00

141

MA, CT

$13,830,088

$39,553,797

140

$96,232,375

135

$99,582,375

140

$10,533,689

$31,966,399

139

MA, CT

$136,506,304

$211,162,304

138

AZ, CA, CO, FL, IL, MD, MA, MI, MN, NC, OR, PA

115

$3,594,218

$22,763,686

137

OK, TX

$31,172,653

$46,261,177

137

102

$9,770,501

$44,498,116

137

FL, GA, AL, LA, TX, KY, TN, MS, SC, NC, CO, OH, NH

$17,930,221

$28,049,531

137

$11,278,267

$24,805,510

136

$6,052,301

$23,896,004

135

NC, VA

$14,606,242

$38,862,740

135

107

$8,410,320

$41,574,606

135

SC, GA

$9,876,620

$24,487,282

134

WI, AZ

113

$5,269,789

$29,036,893

133

AK, OK, TX

$37,808,445

103

$50,039,831

133

AZ, CA

$21,973,855

$56,927,361

133

MD, PA, VA, WV, DE

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Reetu Mittal

Senior Mortgage Specialist, D G Samant LLC

Scottsdale, AZ

$17,270,000

Roy Pointer

Senior Loan Officer, Inlanta Mortgage

Kearney, MO

$11,843,259

Matthew Garnes

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

$19,944,504

Sheila Lee

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$17,544,659

Vincent Iadevaia

Branch Manager, Senior Loan Officer, McLean Mortgage

Hanover, PA

$22,570,253

Tracy Anderson

Branch Manager, Inlanta Mortgage

Muskego, WI

$20,563,932

Tina Mayo

Branch Manger/RMLO, Premier Nationwide Lending

Hurst, TX

$23,361,309

Michael Plating

Branch Manager, Inlanta Mortgage

Oakbrook Terrace, IL

$20,487,923

Shane Kidwell

Branch Manager, dwell Mortgage

Everett, WA

$21,046,310

Leslie Thomas

VP/Branch Manager-Producing, Nova Home Loans

Sierra Vista, AZ

$16,072,011

Carlos Montero

Branch Manager, VP, Homeside Financial

Fairfax, VA

$17,010,221

Karyn McAlpin

Senior Mortgage Advisor, McLean Mortgage

Cornelius, NC

$19,467,657

Chris Bass

Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$12,174,831

Tom Logan

District Manager, Mortgage Network, Inc.

Salem, NH

$25,455,742

Stephanie Wood

Loan Originator, Inlanta Mortgage

Ada, MI

$16,009,850

Roger Steur

Partner/Owner, Method Mortgage

Birmingham, AL

$12,792,195

Bonnie Jackson

Mortgage Banker, McLean Mortgage

Cornelius, NC

$22,999,611

Mark Schulenburg

Branch Manager, Inlanta Mortgage

Oakbrook Terrace, IL

$19,905,170

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$31,300,000

$48,570,000

132

$12,644,676

$24,487,935

132

$17,368,255

$37,312,759

126

AZ, NV, OR

$11,257,144

$28,801,803

126

104

$3,985,089

$26,555,342

126

DE, MD, PA

$10,567,006

$31,130,938

126

$14,436,458

$37,797,767

125

$14,556,316

$35,044,239

125

IL, WI

$30,987,201

$52,033,511

123

$8,668,141

$24,740,152

123

AZ, CA, OR

$21,962,878

$38,973,099

122

DC, FL, MD, VA

$6,791,290

$26,258,947

122

NC, SC, VA

$19,506,510

$31,681,341

121

$21,801,931

$47,257,673

120

MA, NH

$5,475,330

$21,485,180

120

$23,668,825

$36,461,020

119

$15,134,742

$38,134,353

119

FL, NC, SC, VA, TN

$6,762,092

$26,667,262

119

IL, WI

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Jeremy Page

Branch Manager, Inlanta Mortgage

Greenfield, WI

Darius Jenkins

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$22,794,707

Chuck Norsch

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$27,759,559

Todd Bettinson

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$30,822,688

Ramon Llamas

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$15,502,273

Parsu Adhikari

Loan Officer, Mortgage Network, Inc.

Harrisburg, PA

$28,510,359

Estela Gamboa

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$8,964,737

Wes Wyrick

Branch Manager, Victorian Finance LLC

Hurricane, WV

$12,702,256

Daniel DePascal

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$15,846,707

Larry Justice

Vice President, Senior Loan Officer, McLean Mortgage

Fairfax, VA

$23,841,811

Greg Langford

RMLO, Premier Nationwide Lending

San Antonio, TX

$30,457,370

Christopher Coy

Senior Loan Officer, TowneBank Mortgage

Raleigh, NC

$37,842,274

Brian Ferrick

Branch Manager, Inlanta Mortgage

Ada, MI

$14,799,041

Pat Villano

Mortgage Loan Officer, Family First Funding LLC

Jackson, NJ

$37,860,716,

Karen Weeks

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$14,086,599

Robert Killinger

Senior Loan Officer — Inside Sales, Mortgage Network, Inc.

Danvers, MA

$16,746,949

Sean Reilly

Branch Manager, Inlanta Mortgage

Cedarburg, WI

$10,156,387

Sonny Michael Romano

Sales Manager, Mortgage Network, Inc.

Danvers, MA

$21,240,841

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$8,209,781

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$16,459,582

$24,669,363

119

$28,142,336

$50,937,043

118

DE, DC, MD, PA, VA

$8,989,879

$36,749,438

117

$16,006,402

$46,829,090

117

MA, ME, NH, RI

$24,219,788

$39,722,061

117

DC, VA, MD

113

$410,300

$28,920,659

116

$12,683,000

$21,647,737

116

AZ, CA, TX

$5,591,709

$18,293,965

114

AL, FL, KY, OH, PA, TN, WV

$12,946,888

$28,793,595

114

$23,289,121

$47,130,932

114

VA, MD

$3,111,250

$33,568,620

113

$18,026,435

$55,868,709

113

PA, WV, MD, DC, DE, VA, TN, NC, SC, GA, FL, TX, CO

$9,423,707

$24,222,748

113

$46,786,975

$84,647,691

111

AZ, CA, CT, FL, MA, NJ, NY, SC, TN

$8,763,454

$22,850,053

111

$24,638,150

$41,385,099

109

MA, CA, CT, DE, DC, FL, ME, MD, NH, NY, PA, RI, SC, TX, VT, VA, IL

$16,216,514

$26,372,901

109

$27,219,844

$48,460,685

108

MA, NH, ME

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Linda J. Bunce

Senior Loan Officer, Mortgage Network, Inc.

Burlington, MA

$28,705,555

Char Lee Smith

Mortgage Advisor, McLean Mortgage

Cornelius, NC

$16,125,281

Yvette Frederica Cannon

Senior Loan Officer, Mortgage Network, Inc.

Salisbury, MD

$15,871,764

Mitchell Swindell

Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$11,844,502

Dina Thorsen

Senior Loan Officer, Inlanta Mortgage

Pensacola, FL

$13,706,885

Bertha Carmona

Sr. Loan Officer, Pacific Lending LLC.

Corona, CA

$18,593,662

Margaret Taylor

Brokered Manufactured Home Specialist, Nova Home Loans

Tucson, AZ

$9,638,643

Mark Moulesong

Branch Manager, Inlanta Mortgage

Naperville, IL

$11,664,419

Shervin Razmzan

Senior Mortgage Loan Originator, USA Mortgage

McKinney, TX

$30,895,689

Tom Scott

Senior Loan Officer, Mid America Mortgage

Flower Mound, TX

$25,101,914

Jason Matsuzawa

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$6,081,879

Pamela Steele Parker

Senior Loan Officer, Mortgage Network, Inc.

Wellesley, MA

$8,376,800

Jim Fittante

Branch Manager, Inlanta Mortgage

Antigo, WI

$10,056,896

Kathleen Martin

Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$8,038,400

Craig Belmondo

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$33,917,683

Tyler Breskin

Senior Loan Officer, Nova Home Loans

Gilbert, AZ

$8,709,573

Ryan Patrick Leahy

Sales Manager-Inside Sales, Mortgage Network, Inc.

Danvers, MA

$19,775,979

Scott Estlund

Loan Officer, Inlanta Mortgage

Wausau, WI

$9,651,360

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$24,643,374

$53,348,929

107

MA, ME, NH, RI

$7,901,952

$24,027,233

107

NC, VA

$5,965,275

$21,837,039

106

MD, VA, DE

$19,358,241

$31,202,743

105

$2,209,078

$15,915,963

105

FL, AL

$14,712,300

$33,305,962

104

$12,090,739

$21,729,382

104

$13,190,015

$24,854,434

104

IL, IN, WI, FL, TN

$5,523,700

$36,419,389

103

AZ, CA, OK, TX

$2,350,213

$27,452,127

103

FL, OK, TX

$17,319,062

$23,400,941

103

$32,750,000

$41,126,800

102

MA, NH, RI

$5,372,292

$15,429,188

101

WI, MI, MN

$20,855,588

$28,893,988

100

$14,216,525

$48,134,208

100

DC, VA, MD

$17,195,461

$25,905,034

$21,554,650

$41,330,629

MA, CA, CT, DE, FL, ME, MD, NH, NJ, NC, PA, RI, SC, TN, VT, VA, AL

$5,523,543

$15,174,903

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Leah Kieso

Loan Officer, Inlanta Mortgage

Overland Park, KS

$13,278,675

Chris Jones

Residential Mortgage Loan Originator, Mid America Mortgage

Dallas, TX

$19,057,919

Korbin Causey

Branch Manager, McLean Mortgage

Myrtle Beach, SC

$18,633,757

Brian Prentice

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$7,106,802

Brandon Christensen

Loan Officer, dwell Mortgage

Everett, WA

$23,878,854

Maria Stockbridge

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

$13,497,290

Jobe Repola

VP/Branch Manager-Producing, Nova Home Loans

Tucson, AZ

$8,469,871

Kara Van Winsen

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$9,259,590

Adamaris Gil

Senior Loan Officer, McLean Mortgage

Fairfax, VA

$32,542,066

Brian Wada

Senior Loan Officer, Nova Home Loans

San Diego, CA

$8,815,615

Chad Jenkins

Senior Loan Officer, Nova Home Loans

Chandler, AZ

$14,749,115

Aiman Abozeid

Branch Manager, Inlanta Mortgage

Madison, WI

$15,460,054

Chuck Leefers

Senior Loan Officer, Nova Home Loans

Tuscon, AZ

$7,891,244

Benjamin Freshman

Senior Mortgage Advisor, McLean Mortgage

Fairfax, VA

$26,303,259

Sarah Morris

Loan Officer, CMG Financial

Austin, TX

$20,605,722

Monica Mollette

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$6,429,756

Troy Howell

Senior Loan Officer, Nova Home Loans

Denver, CO

$20,724,452

Heather Tyler

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$5,440,931

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$7,130,000

$20,408,675

KS, MO, FL

$8,013,781

$27,071,700

AR, TX

$3,304,255

$21,938,012

SC, VA, NC, FL

$12,787,518

$19,894,320

$17,083,240

$40,962,094

OR, WA

$11,497,978

$24,995,268

AZ, NV

$12,267,990

$20,737,861

$9,807,054

$19,066,644

AZ, CA, TX

$13,697,221

$46,239,287

DC, VA, MD

$57,982,260

$66,797,875

$571,100

$15,320,215

$9,185,621

$24,645,675

FL, IL, WI

$12,541,844

$20,433,088

$23,894,249

$50,197,508

DC, VA, MD, FL

$7,353,035

$27,958,757

$12,925,028

$19,354,784

$13,720,262

$34,444,714

$15,295,337

$20,736,268

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Michele Fritz

Loan Officer, Inlanta Mortgage

Pewaukee, WI

$9,774,571

Michael Brightbill

Branch Manager, McLean Mortgage

Camp Hill, PA

$16,297,572

Mark Sangster

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

$13,135,091

Kyleen Baldwin

Senior Loan Officer, Nova Home Loans

Parker, AZ

$8,243,819

John Bartolozzi

Loan Officer, McLean Mortgage

Fairfax, VA

$30,055,825

Donna Haeni

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$14,383,256

Larry Navarrete

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$5,983,354

Candace Howard

Loan Officer, McLean Mortgage

Virginia Beach, VA

$16,321,559

Sean McLaren

Senior Loan Officer, Nova Home Loans

San Diego, CA

$12,406,920

Alyson Hill

Loan Officer, McLean Mortgage

Clemmons, NC

$11,204,841

Tracy Bardin

Loan Officer, Inlanta Mortgage

Destin, FL

Ann Bryant

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$7,738,784

Mike Ponce

Senior Loan Officer, Inlanta Mortgage

Oakbrook Terrace, IL

$11,912,669

Chayce Sutton

Mortgage Consultant, Inlanta Mortgage

Pewaukee, WI

$10,698,119

Kris Amaya

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$8,101,789

Carey Hiatt

Branch Manager, Inlanta Mortgage

Kearney, MO

$11,933,291

Jim Marcinkowski

Branch Manager, Inlanta Mortgage

Ft. Meyers, FL

$10,982,882

Jennifer Jensen

Business Development Manager, Inlanta Mortgage

Pewaukee, WI

$9,494,044

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$12,634,598

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$9,480,793

$19,255,364

$2,137,704

$18,435,276

$12,787,098

$25,922,189

$10,006,796

$18,250,615

$7,342,650

$37,398,475

DC, MD, VA, NC, DE, FL, SC, PA, WV

$4,896,046

$19,279,302

$8,694,185

$14,677,539

AZ, CA

$7,029,314

$23,350,873

VA, NC, FL, MD

$30,413,657

$42,820,577

$10,853,568

$22,058,409

NC, VA, FL, SC, AL

$2,246,216

$14,880,814

AL, FL, GA, TN

$11,091,262

$18,830,046

$3,686,100

$15,598,769

$7,714,688

$18,412,807

WI, IL

$5,383,621

$13,485,410

$7,819,178

$19,752,469

KS, MO

$6,286,600

$17,269,482

FL, MI, TX, IL

$4,923,268

$14,417,312

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Mike Sapida

Loan Officer, dwell Mortgage

Everett, WA

$22,840,958

Charlene Garcia

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$7,334,909

Joseph Taydus

Senior Loan Officer, Nova Home Loans

Westminster, CO

$10,774,505

Carlos Chavez

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$9,096,279

Kent Sova

Loan Officer, Inlanta Mortgage

Appleton, WI

Corey Kastler

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$14,845,834

Yulianna Gutierrez

Senior Loan Officer, Nova Home Loans

Yuma, AZ

$7,347,748

Anita Martinez-Trumm

Senior Loan Officer, Nova Home Loans

Westminster, CO

$6,874,385

Anthony DeLuca

Loan Officer, Victorian Finance LLC

Murrysville, PA

Steven Newmyer

Loan Officer, Victorian Finance LLC

Houston, TX

$12,670,391

Allison Olwiler

Loan Officer, McLean Mortgage

Fairfax, VA

$15,275,346

Matthew Mroczek

Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$17,061,627

Gloria Grab

Senior Loan Officer, Nova Home Loans

Sierra Vista, AZ

$7,592,656

Dawn Krendel

Senior Loan Officer, Nova Home Loans

Denver, CO

$13,401,998

Robert Neice

Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$5,248,164

Bill Spina

Loan Officer, Victorian Finance LLC

Murrysville, PA

$8,957,324

Connie Phippen

Senior Loan Officer, Nova Home Loans

Denver, CO

$6,526,061

Noemi Rodriguez

Loan Officer, Victorian Finance LLC

Graham, NC

$9,562,175

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$7,504,151

$11,119,533

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$12,132,590

$34,973,548

CA, WA

$6,179,057

$13,513,966

AZ, CA

$22,304,522

$33,079,027

$7,217,795

$16,314,074

$4,719,093

$12,223,244

$12,163,391

$27,009,225

$5,691,859

$13,039,607

$19,080,170

$25,954,555

$4,404,268

$15,523,801

$11,528,375

$24,198,766

$17,107,541

$32,382,887

DC, MD, PA, SC, VA

$16,609,311

$33,670,938

AZ, CA

$4,306,804

$11,899,460

$11,799,361

$25,201,359

$12,768,997

$18,017,161

AZ, CA

$596,500

$9,553,824

FL, PA

$15,328,010

$21,854,071

$3,268,895

$12,831,070

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

Title, Company

City, State/ Province/Region

Purchase Vol. By Dollar Amount

Luis Garay

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$16,398,493

Jesus Hernandez

Senior Loan Officer, Nova Home Loans

Tucson, AZ

$6,457,104

Jim Freda

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$5,110,589

Stacy Feldman

Branch Manager, Inlanta Mortgage

Cedar Rapids, IA

$6,519,028

Christopher Gray

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$6,504,721

Liza Blackard

Senior Loan Officer, Nova Home Loans

Westminster, CO

$11,261,354

Joseph Herrell

Senior Loan Officer, Nova Home Loans

Scottsdale, AZ

$4,830,647

Jason Mullin

Loan Officer, Inlanta Mortgage

West Des Moines, IA

$9,085,612

Ryan Perrenoud

Senior Loan Officer, Mid America Mortgage

Dallas, TX

$16,714,420

Julie Negri

Senior Loan Officer, Nova Home Loans

Denver, CO

$11,062,076

Pamela Leffel

Senior Loan Officer, Nova Home Loans

Flagstaff, AZ

$10,436,147

Jeffery Gable

Branch Manager, McLean Mortgage

Bedford, PA

$8,919,718

Christie Schwartz

Senior Loan Officer, Nova Home Loans

Colorado Springs, CO

$10,213,328

Kimberly Dawson

Senior Loan Officerm, Nova Home Loans

Flagstaff, AZ

$10,950,569

Aaron Jones

Loan Partner, McLean Mortgage

Salisbury, MD

$8,559,766

Michael DeBacker

Retail Branch Manager, USA Mortgage

McKinney, TX

$16,776,778

Lindsay Vipond

Loan Originator, Inlanta Mortgage

Ada, MI

$8,347,877

Heather Nartker

Senior Loan Officer, Nova Home Loans

San Diego, CA

$6,725,274

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$5,625,652

$22,024,145

AZ, TX

$8,116,745

$14,573,849

$9,768,075

$14,878,664

$2,236,431

$8,755,459

$10,764,033

$17,268,754

$13,292,165

$24,553,519

$11,959,310

$16,789,957

AZ, CA

$2,171,142

$11,256,754

$11,929,928

$28,644,348

$13,384,215

$24,446,291

$9,050,678

$19,486,825

$1,166,671

$10,086,389

MD, PA

$10,373,344

$20,586,672

AZ, CA, CO, NV, TX

$6,268,156

$17,218,725

$2,934,500

$11,494,266

DE, VA, MD, FL

$2,490,615

$19,267,393

$3,344,734

$11,692,611

$24,064,390

$30,789,664

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

TOP ORIGINATORS

100

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Candice Genrich

Mortgage Consultant, Inlanta Mortgage

Muskego, WI

Kendall Roberts

Mortgage Originator, Inlanta Mortgage

West Des Moines, IA

$7,436,871

Jeff Jordan

Senior Loan Officer, Nova Home Loans

Denver, CO

$10,171,862

Todd Hons

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$2,667,538

Don Merlo

Loan Officer, Victorian Finance LLC

Nashville, TN

$7,530,108

Tara Warren

Loan Officer, dwell Mortgage

Ogden, Utah

$6,453,091

Amy Niles

Internal Employee Loan Officer, Nova Home Loans

Tucson, AZ

$5,928,307

Jimmy Orama

Senior Loan Officer, Nova Home Loans

Peoria, AZ

$3,291,373

Dan Leeder

Mortgage Consultant, Inlanta Mortgage

Madison, WI

$7,617,572

Clyde Prather

Loan Officer, Method Mortgage

Birmingham, AL

$4,935,755

Richard Blair

Loan Officer, dwell Mortgage

Phoenix, AZ

$5,065,457

Patricia Hopkins

Senior Loan Officer, Nova Home Loans

San Diego, CA

$6,479,025

Scott Adams

Senior Loan Officer, Nova Home Loans

Denver, CO

$3,539,660

Nadiyah Jones

Senior Loan Officer, Nova Home Loans

Las Vegas, NV

$12,106,257

Christian Kosko

Mortgage Advisor, McLean Mortgage

Fairfax, VA

$13,579,924

Gil Lunsford

Vice President, Area Branch Manager, McLean Mortgage

Fairfax, VA

$13,244,098

Nicholas Kanellias

Loan Officer, McLean Mortgage

Fairfax, VA

$11,410,272

Marcos Rincon

Mortgage Loan Originator, USA Mortgage

McKinney, TX

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

$11,280,609

$14,659,245

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$2,462,839

$13,743,448

$3,465,000

$10,901,871

$7,870,489

$18,042,351

$10,064,072

$12,731,610

AZ, CA

$3,714,078

$11,244,186

GA, PA, TN, WV

$9,425,974

$15,879,065

$8,336,492

$14,264,799

AZ, CA, CO, NM, NV, TX

$8,376,249

$11,667,622

$9,616,050

$17,233,622

WI, FL, ME

$12,040,620

$16,976,375

$10,996,250

$16,061,707

$16,243,122

$22,722,147

$17,911,494

$21,451,154

$4,069,444

$16,175,701

CA, NV

$10,983,746

$24,563,670

DC, MD, VA, FL

$9,848,203

$23,092,301

DC, MD, NC, VA

$7,841,080

$19,251,352

MD, VA, FL, DC, NC, PA

$262,250

$14,921,495

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

101

TOP ORIGINATORS

102

Purchase Vol. By Dollar Amount

Title, Company

City, State/ Province/Region

Susan St. Cricq-Stults

Loan Officer, Victorian Finance LLC

Houston, TX

$8,197,866

Michael Hodo

Loan Officer, dwell Mortgage

Everett, WA

$3,517,114

Brian Holiman

Loan Officer, Nova Home Loans

Yuma, AZ

$7,152,959

Mike Babcock

Branch Manager, Inlanta Mortgage

Green Bay, WI

$4,683,241

Chelsea Goetz

Loan Officer, McLean Mortgage

Fairfax, VA

$8,807,396

Originator

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | APRIL 2022

By Total Unit Volume Purchase Vol. By No. Of Units

Refi Vol. By Dollar Amount

Refi Vol. By No. Of Units

Dollar Vol. Total

Unit Vol. Total

$5,396,964

$13,594,830

$9,022,900

$12,540,014

SC, WA

$4,515,746

$11,668,705

AZ, CA, OR

$5,533,488

$10,216,729

$11,831,020

$20,638,416

DE, DC, FL, MD, NC, SC, VA

States Licensed:

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | APRIL 2022 |

103

BROKER IS BETTER

ADVERTORIAL

TURN YOUR JOB INTO YOUR CAREER By Mike Pacheco | President, Qualified Home Loans

t’s time to make the jump! It was an easy decision when you first jumped into the mortgage business as a loan originator. LOs make good money, help people fulfill their dreams, and are admired both inside and outside the industry. OK, maybe not the last one! At least we are fortunate to have our income directly tied to how many solutions we can provide for people. After all, the more people we help, the more money we make. These last two years, in particular, have provided life-changing opportunities. As the tide recedes on the refi boom, you are probably looking for ways to continue with your success. Certainly, a pivot towards purchases is warranted. If you have only ever originated Fannie, Freddie, or Government loans, I believe a bigger change is necessary. Now is the perfect chance for you to transition to a career as a mortgage broker. Between access to programs, quality of life, and the value you provide to your clients, you’ll see why being a broker is better. Nobody ever says, “I want to be a mortgage broker when I grow up.” Or so I thought. My 15yr old son disavowed me of that idea last month. “I want to work with you when I’m older,” he said. After my disbelief, he explained to me that as a mortgage broker: “You work on your own business, you get a good understanding of money situations, people are thankful for your help, and you make as much as doctors and lawyers.” That is a pretty good gig. Smart kid. Hopefully, he still lets me work for him when I’m old. Compared to working for a direct lender, being a broker gives you the freedom to run. There’s no time clock, no boss, and jeans are welcome. Lenders fight for your business, sometimes even literally. You can be the chaperone for your kid’s field trip or work without breaks for 4 weeks. The most salient point is that it is yours. You have an opportunity to build your business and live on your terms. If you’ve only ever done loans for the last 12–14 years, you might not know that the mortgage world doesn’t typically revolve around agency and government loans. Before that, we used phrases like “common sense lending” without a hint of irony. With the Fed having forced rates down, they created an effective monopoly driving other lenders from the space while at the same time homogenizing the loan programs available to borrowers. In that environment, the value a mortgage broker brings to the client and transaction is fairly nonessential. A broker could be removed or replaced, and clients would essentially end

QUALIFIED

HOME LOANS MORTGAGES MADE SIMPLE

up with the same result. That dynamic is currently being flipped. Not only are there now more ways to qualify clients for loans, but rates and terms on many non-conventional loans are already pricing out better than a conventional loan with the same features. Take, for example, a second home loan at 80–90% LTV or a High Balance Cash Out loan at 70% LTV. Going forward, the direct lender, limited by certain programs and specific investors, will be at a competitive disadvantage. That’s the rule we brokers live by, “no one lender has everything.” We know that we are in a purchase lending environment. What will your purchase referral business look like if your real estate partners no longer see you as the best (or only) option? Would you be comfortable giving a loan to a client knowing that it is not the best they can get? As rates move up and less business is readily available, each client becomes more valuable. Cross-selling, the ability to sell more to one client, and client retention are critical. For LOs, our client relationships are already the most valuable thing we have. Our clients like us and trust us. When they think of borrowing money, we are their first call. As a broker, you are in the position to choose what you can offer. It became expedient to turn away business outside of our immediate experience in the last couple of years. After all, not all business is good business. However, there is a vast difference between turning away business because you can’t do it and turning away business because you don’t want to do it. Consider some examples of loans that I’ve done: Agency, Gov’t, Non-QM, Non-conforming, Jumbo, Reverse, SBA, Business use loans, Renovation, HELOC’s, Apartment, CDFI, DPA, Hard Money, Fix and Flip, and ITIN. Additionally, if you know you will have fewer transactions, it is handy to make more per transaction. Brokers typically earn 3-4 times per transaction compared to what our direct lender counterparts make while offering the same rates. All signs point to a strong future for brokers. I realize that I am encouraging you to quit your job and become independent. That path is not for everyone. Nor would I ever say it is easier. Even if you are excited by the idea, getting started can be pretty daunting. The possibilities quickly become overwhelming. Too much freedom can create a lack of discipline and a lack of direction. While I suggest that you become independent, I don’t mean that you have to do it alone without guidance. There is an abundance of people willing to help you. Find a guide or a mentor. Ask your Realtors if they know a good broker and talk with them about hopping in. Finally, the best advice I received before I opened my brokerage 10 years ago: “Why wouldn’t you do it? You can always go back.”

qualifiedhomeloans.com | 800-781-0899

S P E C I A L A D V E R T I S I N G S E C T I O N : N O N - QM L E N DE R DIRECTORY

CO M PA NY

A REA O F FO CU S

STATES LIC ENSC ED

WEBSITE

AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, Acra Lending

Non-QM / Jumbo

IN, KS, KY, LA, ME, MD, MI, MN, MT, NE, NV, NH, NJ, NC, OK, OR, PA, SC, TN, TX, UT, VA, VT,

acralending.com

WA, WI, WY AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, Angel Oak Mortgage Solutions

Angel Oak Mortgage

IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NV,

Solutions is the leader in

NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC,

Non-QM.

SD, TN, TX, UT, VA, WA, WV, WI, WY, Puerto

angeloakms.com

Rico, U.S. Virgin Islands Multi-channel mortgage Arc Home LLC

leader with exceptional service and comprehensive mortgage solutions.

Civic Financial Services

IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, WI, WY

AZ, CA, CO, FL, GA, HI, ID, IL, IN, LA, MD, MA,

simple lending for real

MI, MN, NV, NJ, NC, OH, OK, OR, PA, SC, TN,

estate investors.

TX, UT, VA, WA, WI

Deephaven is a national, Non-Agency/Non-QM mortgage provider.

business.archomellc.com

OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV,

Civic delivers fast, honest,

Founded in 2012, Deephaven Mortgage

AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL,

civicfs.com

AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK,

deephavenmortgage.com

OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WI, WY

Flexible mortgage Finance of America

solutions designed with

All 50 states, Puerto Rico and the U.S. Virgin

Mortgage

unconventional borrowers

Islands

FOAmortgage.com

in mind.

First National Bank of America

Non-QM

Continental U.S.

fnba.com/wholesale

AL, AR, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, Global Integrity

DSCR Rental NO DOC

KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT,

Finance LLC

Loans

NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC,

globalintegrityfinance.com

TN, TX, UT, VT, VA, WA, WV, WI AL, AK, AZ, AR, CA, CO, CT, DC, FL, GA, HI, ID, Impac Mortgage Corp.

Non-QM

IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA,

impacwholesale.com

RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI

LoanStream Mortgage

AZ, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, KY, LA, Non-QM / Jumbo

loanstreamwholesale.com

OH, OK, OR, PA, RI, SC, TN, UT, VA, WA, WI

Non-QM, Wholesale, Luxury Mortgage

Delegated Correspondent,

Corp.

Non Delegated Correspondent

106

ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NC,

AL, AK, CA, CO, CT, DC, DE, FL, GA, IL, LA, ME, MD, MA, MI, MN, NV, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

luxurymortgagewholesale.com

S P E C I A L A D V E R T I S I N G S E C T I O N : N ON - QM L E N DE R DIRECTORY ( C O N T ’ D . )

CO M PA NY

PCF Wholesale

Quontic Bank

A REA O F FO CU S

STATES LIC ENSC ED AL AK AZ AR CA CO CT DC DE FL GA ID IL IN

Non QM Made EZ, DSCR

IA KS KY LA ME MD MA MI MN NV NH NJ NM

and Alt Doc

pcfwholesale.com

NC OH OK OR PA RI SC TN TX UT VA

No Ratio & Lite Doc — Owner Occupied & Investor

All 50 U.S. States

quonticwholesale.com

AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID,

Sprout Mortgage is a Sprout Mortgage

WEBSITE

IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO,

nationally recognized

MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR,

leader in Non-QM lending.

sproutwholesale.com

PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY

Full-service correspondent Verus Mortgage

investor offering residential

Capital

Non-QM and investor rental

Continental U.S.

verusmc.com

programs

S P E C I A L A D V E R T I S I N G S E C T I O N : WH OL E SAL E L E N DE R DIRECTORY

CO M PA NY

SPECI A LTY/NI CHE

ACC Mortgage

Non-QM

Acra Lending

Non-QM / Jumbo

STATES LIC ENSC ED AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, KS, MD, MI, NV, NJ, NC, OK, OR, PA, SC, TN, TX, UT, VA, WA

WEBSITE

ACCMortgage.com

AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, ME, MD, MI, MN, MT, NE, NV, NH, NJ, NC,

acralending.com

OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WY AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, Angel Oak Mortgage Solutions

Non-QM, Non-Agency

KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT,

angeloakms.com

VA, WA, WV, WI, WY, DC First National Bank of America

Non- QM

All 50 U.S. States

fnba.com/mortgage-brokers

S P E C I A L A D V E R T I S I N G S E C T I O N : ORIGIN ATOR TEC H DIRECTORY

CO M PA NY

A REA O F FO CU S

WEBSITE

Calyx

Loan Origination Software Solutions

calyxsoftware.com

Capacity FileInvite: Document Collection on Autopilot Lender Price Moretech

AI-powered mortgage support automation platform that connects your entire tech-stack. Automated document collection and client portal for workflow productivity. Most Advanced Mortgage Pricing & Underwriting Engine On The Market Company Customer Intelligence

capacity.com

fileinvite.com

lenderprice.com mortech.com

NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022 |

107

Now on tour! Join your fellow hard-working mortgage pros at one of our national Mortgage Expos.

ive your career a boost by attending one of our many regional mortgage events for loan origination professionals. Network with hundreds of mortgage brokers, loan originators and bank and credit union lending officers from throughout your region for events full of education, networking and fun. These events includes a broad array of event partners from throughout the mortgage community, multiple education sessions and top speakers. You’ll be growing your business and your contacts in a setting packed with passion, professionalism and fun. Plus, earn your NMLS continuing education credits at FREE classes, happening the next day and open to all conference attendees.

O R I G I NATOR CO N N ECT N E TWO RK .CO M

Attend for free,* use code:

NMPFRE E

Complimentary registration available to NMLS-licensed active LOs and their support staff. Show producers reserve the right to determine final eligibility. NMLS Renewal class open to expo attendees only, other restrictions apply.

UPCOMING EVENTS

MAY

24 JUN

Suncoast Mortgage Expo TA M PA , F L N MLS R EN EWA L CL A S S

Motor City Mortgage Expo D E T RO IT, M I N MLS R EN EWA L CL A S S

AUG

19 SEP

Non-QM Summit L A S VEG A S , NV NM LS R E NEWA L C L A S S

Texas Mortgage Roundup DA LL A S , TX NM LS R E NEWA L C L A S S

JUST ADDED

JUN

16 JUN

23 JUL

JUL

21 AUG

AUG

Texas Mortgage Roundup S A N A N TO N IO, TX N MLS R EN EWA L CL A S S

Great Northwest Mortgage Expo P O RT L AN D, O R N MLS R EN EWA L CL A S S

Mortgage Star N EW O RL E A N S , L A N MLS R EN EWA L CL A S S

Ultimate Mortgage Expo N EW O RL E A N S , L A N MLS R EN EWA L CL A S S

Arizona Mortgage Expo PH O E N IX , AZ N MLS R EN EWA L CL A S S

California Mortgage Expo S A N D IEG O, CA N MLS R EN EWA L CL A S S

Originator Connect L A S VEG AS , NV N MLS R EN EWA L CL A S S

SEP

13 OCT

OCT

18 NOV

DEC

Great Northwest Mortgage Expo SE AT TLE , WA NM LS R E NEWA L C L A S S

California Mortgage Expo PA SA DE NA , CA NM LS R E NEWA L C L A S S

California Mortgage Expo OA K L A ND, CA NM LS R E NEWA L C L A S S

Colorado Mortgage Summit DE NVE R, CO NM LS R E NEWA L C L A S S

Texas Mortgage Roundup HO USTO N, TX NM LS R E NEWA L C L A S S

OCN Mortgage Holiday Party I RVI NE , CA

FACEBOOK THOUGHTS

The Mortgage Version of Wordle

NICK ROBERSON

Nick Roberson

110

Nick Roberson is a long-time mortgage industry veteran and a board member of the California Association of Mortgage Professionals. He’s a forthcoming and giving guy, who shares his … unique … perspective on work and life on his Facebook account. Here are some of Nick’s FB thoughts this month:

hen you are asking a client for additional information on their loan, do you ever feel like you are playing the mortgage industry version of Wordle?

•••

That awkward moment when your daughter walks in while you are working late, and catches you drinking an energy drink, eating PEZ from your secret Darth Vader PEZ dispenser, and watching Zombieland on TV in the background. Don’t judge me. She did enough of that for everyone.

•••

Due to rising costs, dirty deeds are no longer done dirt cheap.

•••

George Jetson was a 40-year-old dad in 2062. That means he was born this year.

•••

When you stop doing things for fun, you might as well be dead — Ernest Hemingway

•••

A man was driving along the highway when he saw the Easter Bunny hopping across the middle of the road. He swerved to avoid hitting the rabbit, but unfortunately the Easter Bunny jumped in front of the car and was struck. The rabbit’s basket of eggs and candy went flying all over the place. The driver, being a sensitive man, as well as an animal lover, pulled over to the side of the road, and got out to see what had become of the rabbit. Much to his dismay, the colorful rabbit was dead. The driver felt so awful he began to cry. A woman driving down the highway saw the man crying and pulled over. She stepped out of her car and asked the man what was wrong. “I feel terrible,” he explained, “I accidentally hit the Easter Bunny and killed it. Children will be so disappointed. What should I do?” The woman told the man not to worry. She knew what to do. She went to her trunk, and pulled out a spray can. She walked over to the dead, limp rabbit, and sprayed the contents of the can onto the furry animal. Miraculously the Easter Bunny came to life, jumped up, picked up the spilled eggs and candy, waved its paw at the two humans and

| NATIONAL MORTGAGE PROFESSIONAL MAGAZINE | MAY 2022

hopped down the road. Fifty yards away the Easter Bunny stopped, turned around, waved and hopped down the road. Fifty yards further on, he turned again, waved and hopped another 50 yards, again he waved. The man was astonished. He ran over to the woman and asked, “What is in your spray can? What did you spray on the Easter Bunny?” The woman turned the can around so that the man could read the label. It said: “Hair spray. Restores life to dead hair. Adds permanent wave.”

•••

I have decided the guy who invented camouflage is probably the same guy who invented bread bag twist ties and car keys.

•••

Whoever came up with the word dentures really missed the opportunity to call them “substitooths.”

•••

I walked up as my daughter Savannah was paying for a few items at the vintage clothing and record store we visited today. The total bill was a little over $60, and Savannah opened her purse to fetch the appropriate funds. I knew she had plenty of cash on her because I had raided the spare cash box that I drop small bills and coins into on a regular basis, and had given all of the bills to her for shopping. She rifled through the stack of bills, and then pulled out her debit card to pay. When we got into the car I asked her why she hadn’t just paid cash for the items. She laughed and said, “I thought about it, and then I decided I didn’t want the guy at checkout making any inappropriate assumptions about where I got all of the singles.” I said, “What are you talking about? I gave all of those to you.” This was closely followed by a Savannah backhand to my arm, and she said, “Strippers, Dad! I didn’t want him to think I earned all of these singles by being a stripper!” I processed this for a moment and then started laughing. Then I abruptly stopped and said, “Oh my gosh! I have never considered that people might think that way. I am so embarrassed.” Savannah then asked me why I was embarrassed. To which I replied, “I paid with cash this morning when I picked up the donuts. The clerk at the donut shop probably has the wrong idea of what I do for a living.” There are not too many things that give me more joy than my daughter giving me a frustrated sigh followed by an eye roll so pronounced that I am often worried she will hurt herself. Oh, how I love a captive audience.

•••

Never underestimate the joy a simple rubber band around the handle of a sink sprayer can bring. n

To see more by Nick, just go to www.facebook.com/nickroberson.

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