150 MPAMAG.COM ISSUE 10.02
Get to know 46 of the highest-grossing originators in the business
We have the best value for loan officers over any bank or mortgage company in the United States. PROOF:
4 $150 Million Club Loan Officers in 2014 9 $150 Million Club Loan Officers in 2015 15 $150 Million Club Loan Officers in 2016 That’s a 275% Increase. This can be you. The best get better by working with the best. Call a Divisional Manager now. James Elliott
Julia Borst
Richard Fedele
NMLS ID #120474
NMLS ID #275440
NMLS ID #21380
P: (310) 806-4604
P: (801) 890-7660
P: (617) 650-9150
P: (773) 516-6350
P: (773) 290-0372
James.Elliott@rate.com
Julia.Borst@rate.com
RFedele@rate.com
JLinnane@rate.com
Chris.Knapp@rate.com
Territories: AK, AZ, CA, HI, NM, OR, WA
Territories: ID, MT, ND, NE, NV, SD, UT, WY
Territories: CT, DE, DC, FL, ME, MD, MA, NC, NH, NJ, NY, PA – East, RI, SC, VA, VT, WV
Territories: AR, IA, IL, IN, MI, MO, MN, OK, TX, WI
Territories: AL, CO, GA, KS, KY, LA, MS, OH, PA – West, SC, TN
Jim Linnane
Chris Knapp NMLS ID #224395
JOINGRNOW.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO 20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 14-1744-A • MT - Lic# 2611 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 • NC - Lic #L-109803 • ND - Lic #MB101818 • OH - Lic #MB0804160 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # ML002651 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV - Lic #ML-30469 & MB-30098 • WY - Lic#2247 Guaranteed Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law. *Source: Guaranteed Rate's funded loan data from 2014-2016.
SPECIAL REPORT
150 MILLION DOLLAR CLUB
150 These 46 men and women crossed a major threshold last year, originating more than $150 million in loans WELCOME TO MPA’s 150 Million Dollar Club, which celebrates the best of the best in the American mortgage industry. This selection of 46 originators, nominated by mortgage lenders from coast to coast, represents some of the industry’s top-performing professionals. These impressive originators come from all walks of life, hail from all regions of the country and work for large national companies and small regional firms, but all have one common goal – helping thousands of families achieve the American dream of homeownership.
METHODOLOGY Applicants who originated $150 million or more in loan volume in 2016 qualified for MPA’s 150 Million Dollar Club. Each nominated originator was required to provide specific details about his or her production to be eligible.
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SPECIAL REPORT
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150 MILLION DOLLAR CLUB INDEX BY TOTAL LOAN VOLUME
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CRUNCHING THE NUMBERS
NAME
COMPANY
LOAN VOLUME, 2016
PAGE
Brian Scott Cohen Brian Minkow Shant Banosian Cory Martilla Thuan Nguyen Ben Cohen Paul Volpe Joe Caltabiano Mike Meena Debbie Foley Baret Kechian Erik Elsasser Andrew Marquis Ben Anderson Tony Adkins Chris Furie Shimmy Braun Damon Germanides Jason Shannon Risha Kilaru Rick Elmendorf Brian Decker Jason Gosser Jennifer Smith Michael D. Rodriguez Michael Borodinsky Tom Lavallee Sam Sharp Joe Polizzi Shelly Logemann Patrick Ruffner Matt Andre Christopher Gallo Shashank Shekhar John Noldan Beth Lewis Robert Painter Stephen Campbell Seth Raddue Jarret Coleman Craig Stelzer Allyson Kreycik Oleg Tkach Tim Taylor Dianne Crosby Sam Rosenblatt
Wells Fargo Home Mortgage HomeBridge Financial Services Guaranteed Rate Supreme Lending Loan Factory Inc. Guaranteed Rate NOVA Home Loans Guaranteed Rate Augusta Financial Inc. Smarter Mortgages Mortgage Master Consumer Direct Mortgage Guaranteed Rate Guaranteed Rate Alliance Home Loans Insignia Mortgage Guaranteed Rate Insignia Mortgage Contour Mortgage Corp. HomeBridge Financial Services Caliber Home Loans Guaranteed Rate Guild Mortgage Company SoFi Lending Corp. Platinum Capital Mortgage Caliber Home Loans Guaranteed Rate Guaranteed Rate RPM Mortgage RPM Mortgage Guaranteed Rate FBC Mortgage LLC NJ Lenders Corp. Arcus Lending Inc. Guaranteed Rate Perl Mortgage New American Funding Mortgage Master TriStar Finance United Bank Guaranteed Rate Guaranteed Rate Guild Mortgage Company HomeBridge Financial Services Guaranteed Rate Academy Mortgage Corporation
$508,000,000 $503,000,000 $434,493,053 $421,175,400 $364,937,322 $335,523,868 $302,145,318 $289,803,352 $274,242,503 $274,206,514 $273,299,802 $255,103,032 $251,818,360 $242,504,716 $239,588,680 $232,514,649 $231,889,891 $228,776,375 $222,012,451 $219,120,225 $209,574,900 $203,599,569 $202,320,738 $198,420,187 $197,854,638 $197,090,510 $195,863,238 $188,359,837 $182,645,736 $181,669,136 $179,850,103 $179,580,000 $175,000,000 $171,000,000 $168,829,732 $165,870,848 $162,293,000 $159,782,939 $158,859,593 $158,487,441 $158,265,436 $157,603,444 $157,597,713 $155,543,259 $155,382,824 $154,568,300
20 22 5 10 20 11 21 19 8 18 4 8 20 20 14 6 4 10 24 9 15 8 22 4 12 12 10 18 14 12 24 6 22 10 14 18 7 6 18 16 22 16 24 16 14 23
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AVERAGE LOAN VOLUME Top 5
$446,321,155 $370,752,733
Top 10 Entire 150 Million Dollar Club
$232,175,405
AVERAGE LOANS CLOSED Top 5
1,273 1,056
Top 10 Entire 150 Million Dollar Club
611
THE TOP 5 TOP 5 IN TOTAL LOANS CLOSED NAME
COMPANY
LOANS CLOSED, 2016
Cory Martilla
Supreme Lending
2,155
Paul Volpe
NOVA Home Loans
1,440
Brian Minkow
HomeBridge Financial Services
1,258
Shant Banosian
Guaranteed Rate
1,136
Thuan Nguyen
Loan Factory
1,053
TOP 5 IN AVERAGE LOAN VOLUME NAME
COMPANY
AVERAGE LOAN VOLUME, 2016
Damon Germanides
Insignia Mortgage
$1,922,490
Chris Furie
Insignia Mortgage
$1,788,574
Robert Painter
New American Funding
$1,047,051
Jennifer Smith
SoFi Lending
$897,828
Brian Scott Cohen
Wells Fargo Home Mortgage $663,185
PATTY ARVIELO President, New American Funding Loan Originator for 34 years
Built for originators by an originator. www.TeamNewAmerican.com
Licensed by Arizona Dept. of Financial Institutions License #BK-0912376, Dept. of Business Oversight under the California Residential Mortgage Lending Act License, Georgia Residential Mortgage Licensee, License # 22564. Illinois Residential Mortgage Licensee, Kansas Licensed Mortgage Company, License # MC.0025168, Massachusetts Mortgage Lender & Mortgage Broker License # MC6606, Mississippi Dept. of Banking and Consumer Finance, N.J. Dept. of Banking and Insurance, Ohio Mortgage Broker Act Mortgage Banker Exemption License #MBMB.850190.000, Rhode Island Licensed Lender, Texas licensed location 6504 International Pkwy, Ste 1300, Plano, TX 75093. Washington Consumer Loan Company License #CL-6606. NMLS #6606. www.nmlsconsumeraccess.org. 14511 Myford Rd, Ste 100, Tustin CA 92780. (877) 478-5476. 04/2017
SPECIAL REPORT
150 MILLION DOLLAR CLUB
BARET KECHIAN Branch manager
SHIMMY BRAUN
MORTGAGE MASTER Loan volume: $273 million Number of loans: 627
Senior vice president of mortgage lending
Consistently recognized as one of the top originators in the business, Baret Kechian has evolved tremendously over his 20-year career to become a dynamic leader within the mortgage industry. Based in Hoboken, New Jersey, Kechian holds the record for the highest-priced condo ever financed in New Jersey. He has extensive local real estate market knowledge, which enables him to assist potential clients in finding the perfect financing options throughout New Jersey, New York and Pennsylvania. He believes the key to succeeding in such a fast-paced real estate market is listening to borrowers to understand their needs and deliver quality service every time. Kechian says 2016 was “the perfect storm of activity” for him at loanDepot’s retail division, Mortgage Master. “With rates dropping to all-time lows, we found ourselves in the midst of a maelstrom where the frenzy of refinancing collided with a brisk purchase business,” he says. “Despite the dramatic increase in volume we were processing, it was crucial that we followed through on every detail.”
GUARANTEED RATE Loan volume: $231 million Number of loans: 708
Shimmy Braun was Guaranteed Rate’s top producer from 2008 to 2011, and he continues to rank as one of the company’s top originators. Braun and his team are highly respected by the real estate community for their high level of honesty, integrity and customer service. Thanks to that rapport, Braun has originated more than $1.5 billion worth of mortgages over the course of his 18-year career.
JENNIFER SMITH Senior mortgage loan consultant SOFI LENDING Loan volume: $198 million Number of loans: 221
As the first mortgage loan officer at SoFi, Jennifer Smith has been critical in building out the company’s mortgage business. Smith began her career with SoFi as a manager in student loan operations and was a member of a small team of employees who worked together to create SoFi’s first mortgage product and mortgage operational processes. Now, Smith has risen to become the top-performing mortgage loan officer at the company. In 2016 alone, she originated $198 million worth of mortgages for customers purchasing new homes and refinancing. Throughout her career, Smith has developed strong relationships with many leading Realtors and wealth managers in the Bay Area and nationally.
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SHANT BANOSIAN Senior vice president and branch manager GUARANTEED RATE Loan volume: $434 million Number of loans: 1,136
Shant Banosian is Guaranteed Rate’s number-one loan officer nationwide, closing more than a thousand units and funding $434.5 million in 2016 alone. He has been in the mortgage business for more than a decade and has consistently been recognized for his high level of production and superior customer service. In addition to being a regular fixture on MPA’s Young Guns list and a member of Guaranteed Rate’s President’s Club for several years, Banosian was named to the company’s prestigious Chairman’s Circle in 2015 and 2016, which recognizes producers who exceed $100 million in annual loan volume. Banosian’s success in the mortgage business is attributable to many factors, but most notable is his commitment to always putting the customer first. An impressive 98% of his clients would use him again, and he continues to grow his business thanks to word-of-mouth referrals. Banosian’s goal is to simplify the mortgage process for his customers and make it easier to navigate. He and his team thoroughly educate borrowers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. He also strives to get loans closed in record time. Raised in Watertown, Massachusetts, and currently residing in neighboring Belmont, Banosian puts a high priority on community involvement. He is currently a member of the Watertown Rotary Club and Watertown Chamber of Commerce.
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SPECIAL REPORT
150 MILLION DOLLAR CLUB CHRIS FURIE Co-founder INSIGNIA MORTGAGE Loan volume: $232 million Number of loans: 130
With more than 25 years of experience in the mortgage industry, Chris Furie has an impressive track record of successfully securing some of the largest and most complex mortgage loans in the US, while maintaining an unyielding commitment to each of his clients’ needs. His service, expertise and deep market knowledge have become a hallmark for clients and referral sources alike.
STEPHEN CAMPBELL Senior loan officer MORTGAGE MASTER Loan volume: $159 million Number of loans: 277
With more than 20 years of experience in financial services, Stephen Campbell is an award-winning, top-producing loan officer who joined loanDepot, Mortgage Master’s parent company, in 2011. Campbell attributes his success to loanDepot’s quality lending products, combined with a lot of hard work. Campbell also takes pride in staying focused on his customers, treating each and every one as he would want to be treated, and knowing he is only as successful as his last transaction. Prior to joining the mortgage industry, Campbell was a commodities broker specializing in bond trading. He is a consistent top producer and has established himself as a specialist in developing beneficial borrower alternatives through diversified product offerings. “I’m very fortunate to have had numerous financial planners refer their clients to me,” he says. “Oftentimes, the planner will call me to discuss their client’s options with the client waiting on [other end of the line]. Even if it jeopardizes my potential sale, I never waver from offering good, sound advice – I take pride in doing so. Often it takes time to earn the trust of referral partners, but once I do, it pays dividends.”
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MATT ANDRE Mortgage loan originator FBC MORTGAGE Loan volume: $179 million Number of loans: 709
The top-producing loan officer at FBC Mortgage, Matt Andre also ranks nationally as a top loan originator. “His work ethic and dedication to his clients and partners continue to be the keys to his success,” says Stephanie Simmons, marketing director at FBC Mortgage. As the leader of his own team, Andre has instilled a set of systems to ensure that partners and clients get the best service and have an enjoyable home-buying experience. As a result, over the past few years, Andre’s team has closed more residential purchase home loans in Florida than any other direct mortgage lender.
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ROBERT PAINTER Loan originator NEW AMERICAN FUNDING Loan volume: $162 million Number of loans: $155
Boasting nearly 20 years of experience in mortgage banking, Robert Painter is not only one of the most knowledgeable loan originators in the business, but also one of the most successful in the country. He has been New American Funding’s top volume loan producer for seven consecutive years, closing $162 million in residential home loans in 2016. His consistent level of high production comes as a result of focusing on his strengths while relying on a dedicated team to provide backup support in every other area. As a result, Painter has qualified yearly for New American Funding’s President’s Council, an elite group of top-performing originators. Painter specializes in high-end, expanded-guideline financing that requires out-of-the-box thinking. Due to his extensive knowledge of a wide range of loan programs, he’s become a go-to resource for a broad spectrum of borrowers, whether they’re making a first-time transaction or closing a jumbo purchase. Over the past two decades, Painter has built a solid business by establishing long-standing relationships with clients who have repeatedly turned to him for service. He attributes this loyalty to being available when customers have questions, being a problem-solver when challenges arise and having the ability to break down complex terms into easily understood concepts.
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SPECIAL REPORT
150 MILLION DOLLAR CLUB ERIK ELSASSER Senior mortgage loan officer CONSUMER DIRECT MORTGAGE Loan volume: $255 million Number of loans: 955
A mortgage loan officer for eight years, Erik Elsasser has been with Consumer Direct, where he is currently a senior mortgage loan officer, for the past two and a half years. Previously, Elsasser held roles with Bank of America and RoundPoint Financial Group.
BRIAN DECKER Vice president of mortgage lending GUARANTEED RATE Loan volume: $203 million Number of loans: 586
As vice president of mortgage lending at Guaranteed Rate, Brian Decker offers his clients industry-leading mortgage rates on jumbo, VA, USDA, FHA, conventional and home equity products from the company’s Temecula Valley, California, office. Decker takes great pride in providing his clients with the best loan programs at the lowest rates available. He has been in the mortgage industry for more than a decade, during which time he has established himself as one of the hardest-working individuals in the business. As a national top-producing originator, Decker has been recognized for his production and performance not just locally, but nationally.
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MIKE MEENA President AUGUSTA FINANCIAL Loan volume: $274 million Number of loans: 717
In addition to serving as president of Augusta Financial, Mike Meena continues to be a top-producing mortgage originator. With more than 26 years of mortgage lending experience, Meena has built his reputation on being advice-minded and honest, delivering a quality product with clients’ short- and long-term goals always in mind. For the past nine years, Augusta Financial has been voted Best Lender by the readers of The Signal, a newspaper based in Santa Clarita Valley, California. Last year, Augusta Financial adopted new systems to remain compliant with new rules and regulations; despite the resulting monetary and system-creation setbacks, Meena says the company was able to increase both the number of loans it closed and its overall loan volume in 2016.
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RISHA KILARU Mortgage loan originator HOMEBRIDGE FINANCIAL SERVICES Loan volume: $219 million Number of loans: 425
A self-proclaimed “loan whisperer,” Risha Kilaru has been in the mortgage business for more than two decades, but she’s only been originating loans for nine years. Even in that short timeframe, Kilaru has risen to become one of the top loan originators at HomeBridge Financial Services. Kilaru is able to provide a wide variety of home loan options, thanks to the knowledge and attention to detail needed to take any loan from application to close. She credits her success in 2016 to the relationships she has built within the industry. “My past clients and agent relationships are what make me successful,” she says.
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SPECIAL REPORT
150 MILLION DOLLAR CLUB SHASHANK SHEKHAR
CORY MARTILLA
CEO
SUPREME LENDING Loan volume: $421 million Number of loans: 2,155
ARCUS LENDING Loan volume: $171 million Number of loans: 353
The founder and CEO of mortgage lending company Arcus Lending, Shashank Shekhar has consistently grown his business from $58 million in 2013 to $171 million in 2016. A bestselling author and avid blogger, Shekhar has also contributed articles to a number of national and international media outlets, and written three books: First Time Home Buying 101, Real Estate Unleashed and the recently released My First Home, which became a number-one Amazon bestseller. Shekhar relies on several online and offline mediums to reach out to his prospects and clients, and is a firm believer in using social media platforms to grow his business. He also has a very successful radio show, “Mortgage Matters,� which will soon be turned into a national TV show. In his spare time, Shekhar sits on the board of Give India, a nonprofit that works to raise funds for Indian charities.
Branch manager
An accomplished mortgage professional, Cory Martilla has consistently grown his business over the past few years to become one of the top loan originators in the country. In just five years, Martilla increased his production from $139 million to more than $421 million. Currently a branch manager with Supreme Lending in Dallas, Martilla previously worked for Mortgages USA, TexasLending.com and Blue Star Financial.
TOM LAVALLEE Senior vice president of mortgage lending GUARANTEED RATE Loan volume: $195 million Number of loans: 719
DAMON GERMANIDES Co-founder
Tom Lavallee has been in the mortgage industry for more than three decades. Originating mortgages nationwide for clients ranging from first-time homebuyers to seasoned investors, Lavallee has the versatility to help with financing ranging anywhere from $50,000 to $10 million. Lavallee offers a diverse platform of lending options, from government loans to jumbo loans and beyond. He cares for his clients and is always willing to help anyone he can as he continues to close even the most challenging deals.
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INSIGNIA MORTGAGE Loan volume: $228 million Number of loans: 119
For more than 11 years, Damon Germanides has been a leader in crafting mortgage loan solutions for high-networth and high-profile clients. After receiving his MBA from the University of Southern California, Germanides began his career in mortgage banking at Meridias Capital. He then worked at CS Financial before partnering with Chris Furie to launch Insignia Mortgage.
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BEN COHEN Senior vice president of mortgage lending GUARANTEED RATE Loan volume: $335 million Number of loans: 719
Ben Cohen’s primary motivation as a loan originator is to help people’s dreams of homeownership come true. “For most people, purchasing a home is the single largest financial decision of their life,” he says. “I enjoy being a part of something that affects people’s lives so positively and profoundly. I want my clients to be comfortable with their particular loan product, so I attempt to lay out all of their options.” By being honest, open and transparent throughout the loan process, Cohen is able to help his clients feel comfortable every step of the way, boosting his referral business. He also strives to continually build new relationships while staying connected with prior clients and referral partners. “When called upon to achieve the impossible and save deals that other lenders could not close, I have consistently come through,” Cohen says. “Quite simply, my goal is to continue to offer the best customer service with the lowest rates and lowest costs possible to my clients.”
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SPECIAL REPORT
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150 MILLION DOLLAR CLUB MICHAEL D. RODRIGUEZ Owner and broker
PLATINUM CAPITAL MORTGAGE Loan volume: $197 million Number of loans: 469
With more than $3.9 billion worth of funded loans under his belt, Michael Rodriguez is a nationally recognized top mortgage originator with numerous industry achievements to his credit. The owner of Platinum Capital Mortgage in Salinas, California, Rodriguez has been originating loans for 22 years. “With each passing year, I relied on my myriad referral partners, previous clients and new business acquaintances to eclipse my previous year’s loan production totals,” he says. “A majority of my business is generated from these three sources, and I utilized them and their spheres of influence to continue my growth cycles.”
MICHAEL BORODINSKY Vice president and regional builder branch manager CALIBER HOME LOANS Loan volume: $197 million Number of loans: 638
SHELLY LOGEMANN Branch manager RPM MORTGAGE Loan volume: $181 million Number of loans: 290
When Shelly Logemann left corporate America in 2000 to join the mortgage industry, she brought a personal approach that has earned her a reputation as a trusted partner to her clients and business associates. Before she began originating mortgages, Logemann was vice president of commercial sales at Gateway Computer and also served on the executive management teams of Ingram Micro, Computer Associates, General Electric and CompuServe. Immediately after diving into the mortgage business, Logemann became a top-performing loan originator, thanks to her ability to listen to her clients and understand their loan needs. From 2000 to 2016, Logemann funded more than 5,500 loans, totaling approximately $2.18 billion.
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A 30-year veteran of the mortgage industry, Michael Borodinsky has funded more than $4 billion in residential mortgage loans to over 12,000 customers during the course of his career. He has been honored as a top-producing loan officer at Bank of America, Wells Fargo, Met Life, Sun Home Loans and Caliber Home Loans, where he currently serves as vice president and regional builder branch manager. Borodinsky specializes in supporting the homebuilding industry and has been a member of the New Jersey Builders Association [NJBA] for the past 25 years. Through the years, NJBA has awarded Borodinsky with its Chairman’s Award for his contributions to the association’s sales, marketing and political action committees. He has also been elected to the NJBA Hall of Fame. Currently, Borodinsky serves as vice president of associate affairs at NJBA and is vice chairman of the state’s political action committee. Borodinsky is also a regular speaker at industry events and a resource for numerous news outlets. He recently completed a multi-year tenure as host of The Mortgage Corner, a weekly radio show focused on housing and financial-related material on WCTC in New Brunswick, New Jersey.
SUCCESS MULTIPLIED
Academy wants your business to grow— not just double but triple. “My production volume has grown remarkably since I joined Academy Mortgage in 2010, from $54.8 million to $154.6 million in 2016. Before joining Academy, I was focused solely on the refinance market. But Academy has given me all the tools to be a success in the purchase environment, from a great product mix and reasonable underwriting to tremendous Home Office support and a unique corporate culture. Even though Academy is a large, national firm, it has the flexibility to adapt, allowing me to operate in a way that benefits me, my customers, and the company as a whole. “I know it sounds cliché to say the ‘grass is greener’ here, but at Academy, it really is greener on this side of the fence.” —Sam Rosenblatt
Congratulations to Sam Rosenblatt for achieving MPA Magazine’s $150 Million Club. You too can find success at Academy. Contact John Owens, National Recruiting Manager, at (801) 541-7456 or visit www.academymortgage.com. Corp NMLS #3113 | Corp State Lic #5491140 | Equal Housing Lender
SPECIAL REPORT
150 MILLION DOLLAR CLUB DIANNE CROSBY Vice president of mortgage lending and branch manager GUARANTEED RATE Loan volume: $155 million Number of loans: 255
Entering the mortgage industry in 2001, Dianne Crosby learned the business from her sister, a broker who had worked in mortgages for more than 20 years. “I entered [the industry] at the top of the dot-com boom,” Crosby says. “Rates suddenly declined. I loved the fast pace, relevance to my background in economics and ability to see tangible results for our clients.” After becoming licensed in 2002, Crosby worked at Holmgren & Associates for almost two years before being recruited to LaSalle Financial, a branch of RPM Mortgage. She was the top-producing agent at LaSalle, and now that she’s with Guaranteed Rate, Crosby consistently ranks among the company’s top originators.
JOE POLIZZI Executive loan advisor RPM MORTGAGE Loan volume: $182 million Number of loans: 310
Joe Polizzi has been RPM Mortgage’s top producer every year since he joined the company in 2003. Before he came to RPM, Polizzi was the top producer at Valley Financial for nearly a decade. Today, Polizzi and his team are committed to closing clients’ loans quickly and seamlessly by providing top-notch service and expertise. Polizzi credits RPM’s staff for helping him have a “standout” year in 2016. “Between the supportive staff at RPM and their ‘can do, will do’ attitude, there wasn’t a situation we couldn’t overcome,” he says. “It was simply amazing.”
JOHN NOLDAN Senior vice president of mortgage lending GUARANTEED RATE Loan volume: $168 million Number of loans: 631
During his 15 years in the mortgage industry, John Noldan has made a name for himself as a top originator. Noldan has been a member of the President’s Club at Guaranteed Rate for the past six years and joined the ranks of the exclusive Chairman’s Circle in 2015 and 2016. Noldan graduated from Benedictine University with a degree in political science, but he found his calling when he entered the mortgage business. He enjoys guiding people through important financial decisions and helping them achieve the dream of homeownership.
TONY ADKINS Senior vice president, Western region ALLIANCE HOME LOANS Loan volume: $239 million Number of loans: 768
A mortgage specialist for 18 years, Tony Adkins has been driving profitable growth in challenging and competitive markets. Adkins works with his clients “in a professional and ethical manner throughout the loan process to determine, develop and implement strategies to provide optimized results.” Building relationships in a way that allows for complete understanding of the loan process is just one element Adkins prioritizes when creating new connections. Outside of his mortgage career, Adkins is also an accomplished equity, ETF and options trader.
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RICK ELMENDORF Branch manager CALIBER HOME LOANS Loan volume: $209 million Number of loans: 539
After graduating from college, Rick Elmendorf started in the housing industry as a real estate appraiser before becoming a mortgage broker. A resident of the metro DC area, Elmendorf is now branch manager at Caliber Home Loans’ Fairfax, Virginia, branch. Having grown up in a military household, Elmendorf has always had an admiration for the men and women who serve in the armed forces, which has inspired him to help thousands of military personnel – both active-duty and veterans – obtain VA financing. His expertise in various loan products has allowed Elmendorf to coach his real estate partners to take their business to the next level; last year alone, Elmendorf’s business volume increased 30%. With more than 25 years of high-producing experience, Elmendorf has been a member of Caliber’s Chairman’s Club since joining the company. He is also a sought-after speaker for many industry events.
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SPECIAL REPORT
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150 MILLION DOLLAR CLUB JARRET COLEMAN Vice president and private mortgage banker UNITED BANK Loan volume: $158 million Number of loans: 328
TIM TAYLOR Mortgage loan originator HOMEBRIDGE FINANCIAL SERVICES Loan volume: $155 million Number of loans: 286
Tim Taylor became an originator after joining the mortgage industry in 1993. In his first year in the business, Taylor was named Rookie of the Year and has since won numerous awards for his contributions to the industry. In 2002, he joined Prospect Mortgage, where he was named a Diamond Mortgage Loan Originator, recognizing his status as one of the top 30 originators within the company. Following his transition to HomeBridge, Taylor continues to be one of the company’s top loan originators. He enjoys the different challenges he faces daily when helping clients attain the home that means so much to them. Heavily involved in the Santa Barbara community where his family has lived for six generations, Taylor sits on the board of Old Spanish Days, the Music Academy of the West and the Santa Barbara Community Housing Corporation.
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From his start as a processor to his quick ascension to vice president and private mortgage banker at United Bank, Jarret Coleman’s extensive industry knowledge and commitment to customer service have earned him a sterling reputation among his colleagues, Realtors and customers, despite his young age. One of the traits that sets Coleman apart is his commitment to taking every opportunity to highlight the sales and support team he works with at United. Coleman has been instrumental in building United’s residential lending business in the Fairfield County and New York markets by providing innovative mortgage products and solutions, including conventional, jumbo, government and construction loans and HELOCs. Coleman joined the bank in 2014 after working at Mortgage Masters and Guaranteed Rate, and was quickly named to United’s Chairman’s Club in 2015. In 2016, he was recognized as Chairman’s Club Champion, the company’s highest internal award for overall performance in mortgage production.
ALLYSON KREYCIK Senior loan officer GUARANTEED RATE Loan volume: $157 million Number of loans: 357
Originally from South Dakota, Allyson Kreycik is thankful to have grown up learning the qualities of hard work, honesty and dedication. She entered the mortgage industry 15 years ago, seeing an opportunity to combine her financial expertise and passion for helping people. Throughout her years as a senior loan officer, Kreycik has consistently been ranked among the top loan officers in the country. She has been a member of Guaranteed Rate’s President’s Club since 2012 and joined the Chairman’s Circle in 2015. Last year, she became the top female loan officer in the company.
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150 MILLION DOLLAR CLUB DEBBIE FOLEY Vice president, private client group SMARTER MORTGAGES Loan volume: $274 million Number of loans: 600
A former accountant, Debbie Foley has more than 30 years of experience in preparing financial statements and tax returns for high-net-worth clients and small to mediumsized businesses. She has been with Smarter Mortgages since 2005 and has closed more than $750 million in home loans for clients from all walks of life, including professional athletes, C-level executives and high-net-worth individuals.
SETH RADDUE President and CEO
SAM SHARP
TRISTAR FINANCE Loan volume: $158 million Number of loans: 524
Senior vice president of mortgage lending
The president and CEO of TriStar Finance, a full-service independent mortgage company located in Kirkland, Washington, Seth Raddue is a recognized expert in the mortgage industry who has more than 18 years of experience serving some of the nation’s largest markets in Washington, Oregon and California. Throughout his career, Raddue has overseen more than $5 billion in direct retail loan production, and he has been a champion of the independent mortgage company business model. He attributes his success to his entrepreneurial spirit and ability to offer a wide range of home loan programs to meet the needs of most homebuyers. In addition to serving as head of TriStar, Raddue is also a member of the company’s senior operations committee.
BETH LEWIS Vice president of residential lending PERL MORTGAGE Loan volume: $165 million Number of loans: 519
Beth Lewis has been originating loans in the Chicago area for more than 18 years. Today, she is vice president of residential lending at Perl Mortgage, which is licensed in 29 states, bestowing Lewis the opportunity to access financing options for her clients from around the country. Lewis considers herself her clients’ “personal mortgage shopper,” sorting through the wealth of loan options in the market to find the right fit for their needs. “I take the time to learn about each of my clients and ultimately find the best loan product and finance strategy that fits their lifestyles, priorities and goals,” she says.
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GUARANTEED RATE Loan volume: $188 million Number of loans: 633
A seasoned originator who has funded more than a billion dollars in loans throughout his career, Sam Sharp applies extraordinary customer service, constant communication and a relentless work ethic to the mortgage process. Sharp and his team are true full-service mortgage bankers, well equipped to handle business seamlessly from start to finish while providing an elevated standard that clients have come to appreciate. Sharp’s specialties include assisting first-time homebuyers and highlighting various strategies to ensure clients secure the best financing options, including down payment assistance programs and other incentives. A member of Guaranteed Rate’s Chairman’s Circle, Sharp offers an impressive jumbo product selection, an in-depth understanding of the intricacies of self-employment income and real estate investment strategies, and the managerial savvy to execute any plan of action on behalf of his clients. With much of his business generated via referrals, Sharp strives to build relationships that go above and beyond the mortgage process.
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JOE CALTABIANO Senior vice president of mortgage lending GUARANTEED RATE Loan volume: $289 million Number of loans: 720
Joe Caltabiano’s customer base ranges from first-time homebuyers to experienced investors who have worked with him on 20 or more loans. He prides himself on listening to the needs of his customers and offering guidance on the various programs available to them. By providing information specific to their situation, he believes he can put borrowers in a better position to make an informed decision. Caltabiano started in the mortgage business in 2001 and joined Guaranteed Rate in 2003. Since then, his business has seen annual growth – he has closed more than $100 million in loans every year since 2004 and has totaled over $2.5 billion in funded loans since 2001. A member of Guaranteed Rate’s Chairman’s Circle, Caltabiano has been the company’s top producer on numerous occasions, most recently in 2013 and 2014, and has been among the top loan officers in the country every year since 2005.
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150 MILLION DOLLAR CLUB THUAN NGUYEN President LOAN FACTORY Loan volume: $364 million Number of loans: 1,053
Thuan Nguyen is the founder of Californiabased Loan Factory. His passion for providing clients excellent customer service and lower rates by continuously streamlining process and technology has paid off. In a single year, he was able to grow his personal production from $186 million in 2015 to $364 million in 2016. He has also spent nearly $1 million building his SaaS cloudbased software, Lenderrate.com. His dream is that one day, the majority of mortgage brokers and loan originators will be using his software to run their businesses to compete with big banks and lenders.
BRIAN SCOTT COHEN Sales manager WELLS FARGO HOME MORTGAGE Loan volume: $508 million Number of loans: 766
Located in Wells Fargo Home Mortgage’s Brooklyn office, Brian Scott Cohen is one of the nation’s top loan originators. Working in one of the country’s most competitive housing markets, Cohen guides his clients through the home-buying process while offering loan options that fit each client’s situation.
BEN ANDERSON Vice president of mortgage lending GUARANTEED RATE Loan volume: $242 million Number of loans: 393
Boasting 13 years of mortgage lending experience, Ben Anderson has been a nationally recognized top originator year-over-year. In 2013 and 2014, he was named to MPA’s Hot 100 list, highlighting his 24-hour-a-day work ethic and willingness to do whatever it takes to help his clients achieve their home financing goals.
ANDREW MARQUIS Senior vice president of mortgage lending GUARANTEED RATE Loan volume: $251 million Number of loans: 668
Within the first 10 months of 2016, Andrew Marquis had closed 529 home loans, exceeding $202 million in volume. By year’s end, he had funded more than $251 million worth of loans, representing 668 units closed. Prior to joining Guaranteed Rate, Marquis worked as an investment advisor and originated conventional, jumbo, renovation, FHA and VA home loans. Marquis credits most of his success to being able to identify opportunities and being a student of all lending guidelines. He prides himself on outstanding customer service by way of constant communication, which has helped his clients navigate what can be a stressful process. Also, as a former investment advisor, he analyzes a borrower’s overall financial picture, time horizon and income level, which allows him to recommend the most suitable mortgage products available.
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PAUL VOLPE Vice president and senior loan officer NOVA HOME LOANS Loan volume: $302 million Number of loans: 1,440
While other loan officers promise the best customer service, for Paul Volpe, it’s more than just a catch phrase – it’s a guarantee. After graduating from the University of Arizona in 2001, Volpe was mentored by his brother, Jon Volpe, the CEO of NOVA Home Loans. Volpe served as his brother’s right-hand man before achieving his own mark of success in the mortgage industry by finding creative solutions for difficult-to-place loans that other lenders simply couldn’t put together. Volpe identifies integrity as the most essential factor in all of his transactions with clients. In addition to his business acumen, colleagues describe Volpe as “one of the nicest and most engaging financial problem-solvers you will ever meet. He is a person you can imagine referring all your clients to with total confidence.” Volpe is consistently ranked among the top loan officers in the country for units closed and overall volume, and he enjoys mentoring other loan officers at NOVA so they too can achieve the same type of success.
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150 MILLION DOLLAR CLUB JASON GOSSER Branch manager GUILD MORTGAGE Loan volume: $202 million Number of loans: 876
Jason Gosser and his team have more than 90 years of combined experience in the mortgage industry. The branch manager of Guild Mortgage’s Everett, Washington, branch, Gosser landed in the company’s Chairman’s Club in 2016. He was also recently voted by clients, peers and industry experts as a recipient of the Five Star Mortgage Professional Award for the Seattle area.
CHRISTOPHER GALLO Loan originator NJ LENDERS Loan volume: $175 million Number of loans: 475
Assisting more than 300 homeowners each year, Christopher Gallo is committed to offering his clients the guidance they need for a stress-free mortgage process. Born and raised in Bergen County, New Jersey, Gallo concentrates most of business in that area, as well as the Gold Coast. He has expertise in multi-family residences, condo financing, jumbo mortgages and first-time homebuyers.
CRAIG STELZER Vice president of mortgage lending GUARANTEED RATE Loan volume: $158 million Number of loans: 471
Located in Guaranteed Rate’s Boca Raton office, Craig Stelzer’s experience, service and dedication to his clients have led many Realtors in the area to choose him as their trusted lender. Stelzer has been in the mortgage industry for more than 14 years and has extensive experience in structuring creative solutions for first-time homebuyers, repeat buyers, investors and high-net-worth clients. A member of Guaranteed Rate’s President’s Club since he joined the company, Stelzer was named to the company’s Chairman’s Circle in 2015 and 2016. Last year, Stelzer also won Guaranteed Rate’s Customer Service Award for consistently going above and beyond to put his customers first. A resident of Delray Beach, Florida, Stelzer is involved in many local charities and business groups.
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BRIAN MINKOW Pacific division vice president and mortgage loan originator HOMEBRIDGE FINANCIAL SERVICES Loan volume: $503 million Number of loans: 1,258
“Working for a great company, having great real estate partners and a great Team Minkow” are just a few things Brian Minkow credits for his immense success in 2016 – notably, increasing his loan volume by $83 million compared to 2015. Thanks to an impressive network of top agents and clients, Minkow has been able to become the number-one originator at HomeBridge Financial Services. He also relies on direct emails to past clients and real estate agents, as well as print and online advertising to build his lead generation. “This is really a people-focused industry, and it’s all about creating and maintaining productive relationships with people in a very personal way,” he says. “The result is a business model that generates tremendous momentum and builds continuously over time.”
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SAM ROSENBLATT Mortgage planner ACADEMY MORTGAGE Loan volume: $154 million Number of loans: 526
An award-winning mortgage planner with The Rosenblatt Group of Academy Mortgage, Sam Rosenblatt is a 22-year mortgage veteran who is licensed to originate loans in seven states. In his decades in the industry, Rosenblatt has helped thousands of clients finance properties of all sizes. He is consistently recognized as a top-producing loan originator in the US and has been named Top Producing Loan Officer of the Year at Academy for six consecutive years. Rosenblatt and his team work diligently to offer their clients the best possible loan solutions and to ensure that each client obtains a carefully tailored loan program that fits his or her short- and long-term financial plans. Rosenblatt’s goal is to demonstrate that his team is not an impersonal commodity, but rather a group of educated, proactive individuals dedicated to finding the best loan programs available.
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150 MILLION DOLLAR CLUB OLEG TKACH Branch manager and senior loan officer GUILD MORTGAGE Loan volume: $157 million Number of loans: 627
Beginning his career as a loan officer in 2005, Oleg Tkach is currently a branch manager and senior loan officer at Guild Mortgage. In addition, he serves as a business development coach at The Core Training, where he coaches some of the nation’s best Realtors and mortgage professionals. Highly sought after by real estate agents, investors, clients and colleagues for his mortgage financing expertise, Tkach operates on a philosophy of “delivering expectation-exceeding results well before the deadline.” His drive to build trusted relationships with his real estate partners, investors and clients has been critical to his success, and he continually strives to find better systems for both himself and his team.
PATRICK RUFFNER Branch manager GUARANTEED RATE Loan volume: $179 million Number of loans: 540
Patrick Ruffner has been with Guaranteed Rate since 2009 and now serves as a branch manager. He has been a member of the company’s President’s Club for the past four years and joined the Chairman’s Circle in 2015. Ruffner has lived in Chicago his entire life, including college, when he studied biology at Benedictine University in suburban Chicago.
JASON SHANNON Sales manager and team leader CONTOUR MORTGAGE Loan volume: $222 million Number of loans: 394
During his career, Jason Shannon has closed thousands of loans thanks to his upfront nature and ability to find creative solutions for his clients. At Contour Mortgage, Shannon employs a one-on-one, hands-on approach, working directly with clients from pre-approval through closing. As a lifelong New York resident, Shannon is familiar with the Nassau, Suffolk and Queens County areas, which has allowed him to better assist local clients in finding the best deal. “Buying a home is a complex process with a lot of behind-the-scenes things that need to go just right for a successful and on-time closing to take place,” he says. “With my years of experience and a close relationship with many of the area’s top real estate professionals, I’m often in a position to offer my clients the best possible advice. We follow the secondary mortgage market and breaking economic news. This allows me to provide crucial insight in regard to locking in the lowest possible interest rate. By knowing when to lock and how best to structure a loan, we have saved our borrowers literally hundreds of thousands of dollars cumulatively.”
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Mortgage Professional America wants to uncover Mortgage's most inspiring and accomplished women who are leading the industry Nominate deserving women to be featured in our annual Elite Women issue coming in August
NOMINATIONS OPEN MAY 17 Enter online at www.mpamag.com Or email Heather Turner at heather.turner@keymedia.com
SHOW AND TELL. DEVELOP GREATER BRAND AWARENESS AND SHOWCASE YOUR 150 MILLION DOLLAR CLUB AWARD:
150 MPAM AG.CO M ISSUE 10.02
Get to know 46 of the highest-gr ossing originators in th e business
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