MORTGAGEwww.mortgageexecutivemagazine.com EXECUTIVESPRING 2018 Turning Adversity Into Advantage Countdown to Vegas! MASTERMIND 2018 LAS VEGAS • JUNE 6-8 President George W. Bush Live in Las Vegas
TOP 200 MORTGAGE ORIGINATORS In America 2017 TOP 1% MORTGAGE ORIGINATORS In America 2017 MASTERMIND 2018 THE # MORTGAGE EVENT IN AMERICA
Join mortgage industry leaders from across the country for the1 premier executive symposium that addresses critical issues and the future direction of the mortgage finance industry. Our experts are CEOs and senior executives who’ve built multibillion-dollar businesses. They are experts in marketing, sales, leadership, George W. Bush networking and more.
MastermindSummit.com ✦ 866.304.8319 Patty Arvielo, President Rose Marie David, EVP Bill Dallas, CEO Susan McHan, CEO/President New American Funding Homestreet Skyline Financial Opes Advisors
Steve Jacobson, CEO Sean Browning, EVP Eric Egenhoefer, CEO Bill Lowman, President Fairway Mortgage American Financial Network Waterstone Mortgage American Pacific Mortgage
Dave Zitting, CEO Dan Hanson, EVP Stewart Hunter, CVO/Founder Norman Koenigsberg, CEO Primary Residential Mortgage imortgage Benchmark Mortgage First Choice Loan Services
Adam Kessler, CEO Sarah Middleton, SVP Bruno Pasceri, CEO Rick Floyd, EVP Academy Mortgage Fairway Independent Mortgage Finance of America HomeBridge Financial Services *Previous executive keynote speakers
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“GREAT LESSONS AND A MUST-GO-TO EVENT FOR NETWORKING AND SUCCESS STRATEGIES FROM THE BEST INDUSTRY LEADERS” —David Armstrong, First Cal
“AWESOME— TOOK IN LOTS OF STRONG INFORMATION” —Joseph Amato, Fifth Third Bank Regain control of your life. Close more, earn more, and live more with Waterstone Mortgage.
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CONTENTSSPRING 2018
30 8 The Single Secret to Preeminence, TOP 200 According to Jay Abraham: Think Different from Forbes magazine MORTGAGE ORIGINATORS In America 2017 14 The Best Marketing & Prospecting Ideas 48 TOP 1% of Top Originators MORTGAGE ORIGINATORS 24 An Incredible Ride with Bob What is Your Purpose? In America 2017 by Todd Gehrke
40 Building & Managing Your Network 8 by Marc Demetriou
2018 • MORTGAGE EXECUTIVE 5 We’re all on a first name basis here.
What stands out most “for me is the feeling of opportunity and empowerment to grow and build a team.”
LEE ALDRICH, NMLS #325834
Everyone has a Why, or purpose that motivates them. This is Lee’s Why. What’s yours?
At Eagle Home Mortgage, we believe in empowering our associates to reach their full potential. Each member of our team is supported in achieving their unique goals—from adding that one extra loan to their pipeline each month to continuously learning to become the premier service provider. Because, although it is good to close your loans on time, it is great to build your business alongside a mortgage family dedicated to support you—every step of the way.
Discover why Lee and so many others decided to pursue a career at Eagle Home Mortgage by visiting SucceedatEagle.com/MyWhy
Eagle Home Mortgage, LLC – NMLS # 1058 © 2018 Eagle Home Mortgage and the Eagle logo are U.S. registered service marks or service marks of Lennar Corporation and/or its subsidiaries. For complete licensing information, please visit [https://eaglehm.com/page/licensing] FOUNDER’S LETTER
What does it REALLY take to be a $100 Million Mortgage Originator? have been lucky enough to qualify for the I would immediately create a 1,000 target list that Top 200 Mortgage Originator rankings 16 included the top buyers, agents, builders and times. Prior to Mortgage Executive Magazine financial planners in town. I would hire some- managing the Top 200 rankings, Mortgage one to call that list day and night nonstop to set Originator Magazine published the rankings face-to-face appointments for me. I would also I starting in 1995. During my best years, I origi- create a “dream 100” list of elephant REALTORS nated $200 million/year for three years in a row and the “best of the best” builders and financial and climbed to #16 on the MOM planners. With bullheaded deter- Top 200. I have also had the oppor- mination, I would create over- tunity to interview, study, and whelming value for the “dream learn from 50+ originators who 100” list until I had met with as closed over $100 million. many elephant referral partners What the majority of top 200 as possible. originators will tell you is that it There are only two reasons takes “hard work,” “a great team,” that originators don’t prospect for and “knowing mortgage guide- new referral partners: They are lines.” These mortgage sayings afraid. Or they are lazy. The leg- have become clichés similar to the endary speaker Jim Rohn said, NFL quotes “The separation is in “No one can do your push-ups for the preparation,” “It is a game of you.” The $100 Million Origina- inches,” and “It is all about block- tors take the time to do the things ing and tackling.” that other originators will not do. For many originators who work If you wanted to be a great hard for a great company and understand FNMA quarterback, you would invest the time and guidelines, these cliché answers leave them empty. money to go to the Peyton Manning NFL Foot- The originator is left asking, “What does it really ball Academy. If you want to be a great orig- take to break through to the next level?” If you inator, I recommend that you invest the time had to parachute into a new city with no data- and money to attend Mastermind 2018 June 6–8 base, no friends, and no money with a “sink or in Las Vegas. I created a five-minute video at swim” proposition to rebuild your mortgage busi- Mastermindsummit.com that gives you the strat- ness in six months, what would be your first step? egies that you need to be a Top 200 Originator.
Steven Marshall, Founder Mortgage Executive Magazine
2018 • MORTGAGE EXECUTIVE 7 The SINGLE SECRET to Preeminence, According to Jay Abraham: Think Differently
8 MORTGAGE EXECUTIVE • 2 0 1 8 Think Differentlyfrom Forbes magazine
2018 • MORTGAGE EXECUTIVE 9 SUCCESS STRATEGIES arketing/business strategist Jay Abraham is a ranging from startups to the largest corporations since key influence to Daymond John, Steve Sims his emergence in the 1970s, this strategy has been key to (Bluefishing), Joe Polish and many others. He’s his own success. “We give more when we give with pur- M the author of four books including “Getting pose,” he says. The majority of small businesses could Everything You Can Out of All You’ve Got: 21 Ways You not afford his programs (seminars range from $5,000 to Can Out-Think, Out-Perform, and Out-Earn the Compe- $25,000), but he notes that investing in these companies tition” and “The Sticking Point Solution.” through the sharing of strategy and wisdom allows them In 2000, Forbes named Abraham one of the top five to add more value to society. executive coaches in the world in an article that has been “My own desire is to be known worldwide as the most cited by Daymond John. generous benefactor to the growth-oriented, beleaguered Abraham offers 800 hours of the material as a free and deserving entrepreneurs who don’t have anyone to resource via the 50 Shades of Jay Abraham section of be their sword and shield.” www.Abraham.com. There he discusses preeminence— Highly placed contemporaries of Abraham applaud the elusive quality desired by every organization and the strategy. Says Tony Robbins: “He’s the one who taught entrepreneur. me to fall in love with my customers, not my products Of all the desires and approaches executives attach and services.” to their public relations—“We need to tell our story! I How does this apply to your day–to–day business? It want awareness! When somebody looks up our category, begins, Abraham says, with a shift in focus. Most people, I want my company’s name to appear first”—Abraham he observes, are dispassionate and broken down by their teaches a fundamental truth. The single secret to genu- competition and the world. This is because their passion ine preeminence, he says, is to “think differently.” Forget is being directed to the wrong applications, he says. the burning need to “tell our story,” “shout louder” and Lose the passion about your company being the fastest, impress readers and viewers with varieties of shock and biggest, most popular, he says. None of that is relevant. awe. Instead, learn to think through the recipient’s eyes. Instead, be passionate about your clients and be focused But no two people have the same definition of value. on the impact your company is making in their lives. So therein lies your task, Abraham notes. As an aside, as Let every contact with your customers be a chance a marketing master who has been serving organizations to learn more about their values. Explore, understand
“You must fall in love with both the people who pay you (your customers) and the people you pay (your employees).”
10 MORTGAGE EXECUTIVE • 2 0 1 8 SUCCESS STRATEGIES
and acknowledge what they see and how they live. Your customer buys a commodity or a service. You (and they) are competing against four factors: • Direct competitors. “Be passionate about your • Consumers who don’t want you to be unique. clients and be focused on the • Alternative ways to achieve their goals. impact your company is • Procrastination/equivocation/contemplation. (The inability to get focused, make a decision and act.) making in their lives.” You transcend all of this by becoming the trusted advisor who thinks of the customers you serve as your valued clients. Put them under the protection and well- being of the knowledge and resources you provide. It is this focus that gives you and your company the sense of purpose that will allow your marketing and PR to succeed. You must fall in love with both the people who pay you (your customers) and the people you pay (your employees). Be vigilantly committed to the success and progress of both. People who work for others, Abraham points out, perform at only 20% of their capacity. But people who work with a sense of mission—whether they have already achieved greatness or who are trainable and willing to grow—allow the company to achieve preeminence and greatness as well.
2018 • MORTGAGE EXECUTIVE 11 SUCCESS STRATEGIES
Consider the following steps: KEYNOTE 1. Determine at a 360-degree level what greatness SPEAKER! would look like, for you as an individual and for MASTERMINDSUMMIT your company as a whole. Career, health, pro- “Determine who and what you ductivity, and innovation are all key to the equa- tion. Determine who and what you admire and admire and what greatness what greatness would look like for you in each of these areas. Look at those you admire most would look like for you...” in each category as a model to aspire to. And as Jay Abraham you progress—and your company progresses— has spent his entire career your “accidental and outrageous good fortune” solving problems and will increase by orders of magnitude. fixing businesses. He has 2. You and your team will gain purpose and a sense significantly increased the of passion. bottom lines of more than 10,000 clients in more 3. You will be focused on outcomes for your custom- than 400 industries, and ers—not upon your own self-obsession. over 7,200 subindustries, 4. You will identify the evidence that you are achiev- worldwide. Jay has dealt ing the greatness you desire from all perspec- with virtually every type of tives—what you need to do and say differently, business. He has studied, and the ways the evidence will manifest through and solved, almost every the view of your customer audience (rabidly happy type of business question, customers who are happy to provide feedback and challenge and opportunity. who spontaneously become evangelists for you.) At this point the tactical acts of adding value will come naturally, resulting in improved communication to the public with an eye toward providing interest and value, not “strutting your stuff,” improved customer service and new customer-facing innovations (such as a grill company’s focus on recipes, ideas, and tips for customers instead of obsession with finding a customer during the four to eight year moment they are willing to consider buying a new grill). When the customer-driven focus is central, the right PR actions will come. ■
12 MORTGAGE EXECUTIVE • 2 0 1 8 PROGRESSIVELY BETTER CULTURE
BUILTBYR O ORIGINATORS F TM ORIGINATORS
PRODUCT • PRICING • TECHNOLOGY • SERVICE • MARKETING • EDUCATION
CREATING AN EVERLASTING LEGACY
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RETAIL │ WHOLESALE │ CORRESPONDENT © 2018 Paramount Residential Mortgage Group, Inc. NMLS ID # 75243; 1265 Corona Pointe Court, Corona, CA 92879; All Rights Reserved. Licensed by the California Department of Business Oversight, Finance Lenders Law License #603D903; the Residential Mortgage Lending Act, License #4131268; California Bureau of Real Estate License #1478294; AZ Mortgage Banker License #910387; Georgia Residential Mortgage Licensee #32087; IL Residential Mortgage License # MB.6760962; KS-Licensed Mortgage Company, #MC.0025196; Massachusetts Mortgage Lender License, #ML75243; MS Department of Bank and Consumer Finance; NV Mortgage Broker License #3693; NH Banking Department 17393-MB; Dept. of Banking in the Common Wealth of PA, EQUAL HOUSING LENDER #37894; RI Licensed Lender, #20112799LL; and is also approved to lend in the following states: AL, AK, AR, CO, CT, DE, DC, FL, ID, IA, KY, LA, ME, MD, MI, MN, MO, MT, NJ, NM, NC, ND, OH, OK, OR, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY. TheBest Marketing Prospecting Ideas
14 MORTGAGE EXECUTIVE • 2 0 1 8 Prospecting Ideas OF TOP-PRODUCING ORIGINATORS We interviewed a group of Top 1% originators from across the country to discover their best marketing and prospecting ideas. We limited each entry to 200 words to provide our readers with a quick snapshot of as many different ideas and strategies as possible.
2018 • MORTGAGE EXECUTIVE 15 BUSINESS STRATEGIES Raffi Bekmezian — Supreme Lending $68,455,309 – 163 units Living in the new age of technology, we have the world at our fingertips. This new way of communication allows us to reach the masses at a quicker rate. Using social media as one of the newest tools at our disposal is one of the most effective ways I approach marketing and prospecting. A great way to market myself and my BEKMEZIAN Joe Caltabiano — bemortgage business is to use social media as one way of commu- $180,324,574 – 496 units nicating. The key to that is finding a balance between The years of experience I have in the mortgage being visible and knowing when to back off in order industry have allowed me to build my personal brand to prevent desensitization. I see social media as a great and reputation as a mortgage expert. My past clients way to not only introduce myself and my business but and referral partners know that I can answer any mort- also to create a need for a prospective client to call me gage related question. Because of my knowledge and and allow me the opportunity to win their trust and expertise, my past clients and referral partners have put business face-to-face. This, along with my longstand- their trust in me and know that I can close their loan. ing motto of going above and beyond what is expected I’ve been able maintain this reputation consistently by BONURA of me and keeping the borrower happy with their loan developing trustworthy relationships with my team, my and the process, is what I believe helps generate new realtors, and my referral partners. I’m able to provide leads and allows me the opportunity to continue to do my clients with fast turnaround times and consistent what I love to do. Positive word-of-mouth referrals are on-time closings. Additionally, I am able to say that if just as important as any leads that can be created in a client receives a pre-approval from me, I can assure other ways. them that they will get a loan. Justin Bonura — NJ Lenders Corp. By striving to be consistent and accomplishing all $93,154,531 – 245 units that I’ve set out to do, I’ve been able to not only build my personal brand, but gain a loyal client and partner base CALTABIANO Our business is a relationship-based business in which connecting with people earns you their trust. My who commend what I do, which in turn grows my busi- best prospecting idea is to use my established referral ness. Providing exceptional customer service, treating network to connect with other referral sources by host- my clients and referral sources like family and deliver- ing monthly events. Hosting events such as “Realtor ing on my promises has allowed my brand to flourish. Night Out” or “Lunch and Learn” seminars provides an Brad Cohen — Capital Bank opportunity to be face-to-face with my best advocates $39,646,546 – 94 units and new prospects in a relaxed and fun environment. As discussed on stage multiple times, my best and This practice has brought proven results and is where most cost-effective marketing strategy has been the I get the best return on investment. Building business distribution of rate fliers. I have done this since day COHEN relationships while having fun is a winning proposi- one when I got into this business in 1997, as I used this tion for all. practice to generate clients for my auto detailing busi- ness. I place the fliers on fence posts or on mailboxes (but never in them), and I hit the same neighborhoods every one to two months. I have even cemented four Realtors from this and still have them after 15+ years. It is extremely cost-effective, great for branding, and also great for exercise and to meet the people in the area. I have closed more than 1,000 loans just from my flier technique over the years.
16 MORTGAGE EXECUTIVE • 2 0 1 8 BUSINESS STRATEGIES Jarret Coleman — United Bank $156,410,974 –306 units One of my best resources for generating new leads and referral sources is my existing referral base. I do my best to connect via email at least once a week with my referral sources, and I always ask if they know of anyone in their office who is in need of a mortgage pro- fessional. I find that this is the best way to make new COLEMAN contacts within real estate offices, as you have an “in- side person” already praising your services. Once you are given the introduction, the most important thing to do is follow up. I constantly follow up with them to ensure that they give me a shot when that next client Chris Gallo — NJ Lenders Corp. comes around. $166,531,264 – 410 units Brenda Dintino — New American Funding I think the best form of marketing and prospecting $45,702,057 – 126 units is service & knowledge. The service and knowledge you Here are a few top strategies for providing top-tier can provide to all parties involved in the transaction are DINTINO customer service and building a predictable income priceless. Anyone can cut costs and waive fees, but to stream for years to come: be fully involved with the clients and referral partners 1. Annual mortgagereviews—Calling past clients on has been the true key to my success. Be knowledge, be the anniversary of their loan closing is a simple way to accountable, and be accessible! If you can do all these remain in front of your borrowers. This is an opportu- things, you will grow your brand and increase your nity to show your commitment to their sound financial production—guaranteed. position, propose beneficial changes to their current Jill Hinkey — HomeStreet Bank financing if any exist, and maybe even earn a referral. $87,433,347 – 276 units 2. Birthday calls—Birthday calls are another simple What does it take to be a top producer? I call, email, GALLO way to remain in front of your borrowers and deepen and direct–mail all past clients on a regular basis. The the relationship. Clients may end up requesting terms key is persistent and consistent contact; you never know on a new loan scenario or even have a friend who’s when the client will have a life-changing event and need looking for a good lender. your professional services. The goal is to be in front of 3. Monthly market monitoring—By staying atten- them when the opportunity arises. There is no replace- tive to changes in the MBS market on a daily, weekly, ment for one-on-one meetings with clients and referral or monthly basis, you better position yourself to save sources. Again, the key is persistent and consistent com- your clients money by lowering their interest rate. Check munication. The majority of my day is spent on busi- out www.mbsauthority.com for a convenient “Morning ness development. I’m typically on the phone and email Coffee Update.” HINKEY taking applications and issuing prequalifications 10 to 4. Agent marketing partnerships—I enjoy helping 14 hours a day. My goal is to take as many loan appli- my agent partners with their traditional and social cations as possible. I also spend a significant amount of media marketing through New American Funding’s time thanking existing referral sources and contacting agent marketing platform. As a result of our combined potential new ones. I challenge myself constantly and efforts, I’m not only able to win referrals for repeat work to step out of my comfort zone at least once daily. financing but am also able to generate buyer referrals As I talk, I give options rather than opinions. I let my for my agent partners. customers form their own opinions. When your cus- tomer comes up with their own solution based on the information you have presented, you have their buy-in. You now have a partnership and have elevated the rela- tionship beyond the transaction.
2018 • MORTGAGE EXECUTIVE 17 SUPERSTARS DON’T SETTLE FOR AVERAGE
Are you ready to discover your best?
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DISCOVER YOUR BEST
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CP_4577_MortgExecMagWinter18Ad_FullPage.indd 1 1/11/18 9:24 AM BUSINESS STRATEGIES David Hosterman — Castle & Cooke Mortgage $66,310,841 – 237 units Marketing has become more important in today’s lending environment than ever before. One thing we specialize in at the Denver branch of Castle & Cooke Mortgage is conducting open houses with real estate agents. We like to have both agents and lenders on- site to address both real estate and lending questions. HOSTERMAN In addition, we strategically plan open houses by prior marketing through social media, door hangers in the neighborhood, and extensive sign placement strategies. Sign placement is critical, as it has been shown that better and increased placement drives more traffic in Jolene Messmer — Caliber Home Loans comparison to a standard open house with only a few $56,880,058 – 159 units signs. Furthermore, we conduct these on both Satur- I offer personalized service from the initial lead con- days and Sundays, with the signs being left out for the tact to closing of the loan. I celebrate loan milestones entire weekend. We like to make the signs eye–catch- with sincere tokens of appreciation for borrowers. This ing, as the branding of the signs is critical. We use black individual attention helps retain potential leads and is JAFFE and yellow, a color scheme that has been proven to be a memorable experience for them to share with friends effective. Offering visitors something of value is criti- and family. The five trigger points I acknowledge, in cal. The agent provides clients a free cellphone app to order, are: preapproval, under contract, loan approved, search properties. This app is great for marketing, as it loan closed, and first payment due. Along with each allows the agent and lender to see how frequently cli- small gift, I share a branded card with details of the ents are using the app. current progress of the loan. This helps me stay relevant throughout the mortgage process when borrowers are David Jaffe — On Q Financial likely shopping other rates and lenders. I strive to remind $108,320,364 – 227 units everyone that home buying is a fun and exciting time. MESSMER One of the best marketing tools we have used to grow Realtor referral partners is calling on the Real- William Murphy — Fairway Independent tors involved in a purchase transaction. If we do a Mortgage, $64,416,309 – 266 units phenomenal job throughout the loan process, we can When it comes to generating new leads and refer- “wow” the agents involved, giving us an opportunity to rals, the sea of techniques and software programs can call on them after close. Our system is called the Per- seem impersonal at times. It takes more to build a rep- fect Loan Process. For each milestone that occurs on a utation, so I seek some alternate means to do so. It is loan (appraisal ordered, appraisal received, loan sent to my belief that businesses should act as leaders within underwriting, loan approved, docs ordered, docs sent a community and provide more than just a product or to escrow, loan funded, etc.), we send an email to the service. My goal is to provide people with a gateway MURPHY borrower and both agents with a status. The constant to strengthen our community, which indirectly builds communication means we don’t get bogged down with long-lasting relationships and credibility. Our client incoming status calls, and we are proactively touching appreciation events and our annual partnership with base with the agents before they have a chance to call the Make-A-Wish Foundation create great forums for us. After close, we call for an appointment. people to come together and give back. We are host- ing our first annual Fairway Mortgage Walk, Run, and Roll 5K for Wishes, where we hope to get the commu- nity more involved than ever before. We try to incorpo- rate this goal into our everyday business operations by donating a portion of proceeds from every loan my team and I close to Make-A-Wish — which gets my clients involved. Transactional relationships are not enough in this business, and we need to offer more and get on a personal level. People gravitate toward genuine cred- ibility, which is what we strive for every day.
2018 • MORTGAGE EXECUTIVE 19 BUSINESS STRATEGIES Jonathan Okun — Prosperity Mortgage $103,326,636 – 208 units Every year I create a business plan and rank my top “biggest fans.” These are the Realtors who send me a very high percentage of their business and who do a lot of business in general. I then invite them to lunch and ask them to bring someone else whom they think would benefit from working with me. I let my “fan” do all of OKUN the talking and sell me instead of having to sell myself. Kyndle Quinones — Primary Residential Mortgage, $51,840,528 – 165 units Tom Parke — Mason-McDuffie Mortgage I am a hands-on loan officer who finds that the best $54,102,633 – 129 units way to generate new referral partners is to build trust. It The six items listed below are the only marketing I have all starts with a relationship. Even if you know your prod- done for the past 12 years of my 16 years in this business ucts and run a great operation, it could fail if the relation- as a loan officer. These things are admittedly repetitive, ship isn’t in place. Realtors are social people— they love monotonous, tedious, boring, etc., but if you do these things to interact with one another and know that they have a every day, every week, every month, every year without strong support team behind them. Many of the agents I PARKE fail, you will succeed. All it takes in order to be success- have worked with in the past have become close friends ful in any sales job is: be persistent in your efforts; be con- of mine. We respect and trust each other to get the job sistent in your delivery and your brand; have longevity in done and hold each other accountable for production. We your industry and with your company; and be disciplined meet quarterly to go over numbers to stay on track with in making the same number of phone calls and emails to, our annual goals and always seek new ways to assist each and face-to-face appointments with, referrals sources and other with marketing. Another big thing I do is that every clients every week. time I get a lead, I immediately hand–write a thank-you Here are my six marketing efforts: letter to the referral source and to the prospective bor- 1. Daily Market Update emails to 450+ Realtors rower. That way, the borrower receives it a few days after and financial planners that I’ve either met with my call, along with my business card and a handwritten QUINONES or worked with on a deal over the past 15 years. note. I follow up with another letter to the agents, thank- 2. Monthly mailing of recipe cards to 900+ past ing them once I get a ratified contract for a purchase. This clients. has been a tremendous help for me this past year. 3. Monthly mailing of cheesy marketing tchotchkes Craig Strent — Apex Home Loans to top 75 referral sources. $52,312,583 – 108 units 4. Call/email every past client on their birthday. Target marketing financial advisors has been my Email works better. Give them a refi scenario best prospecting activity. I educate advisors on mort- and annual review. Ask them for referrals! gage planning topics, send articles on specific mortgage STRENT items related to financial planning, teach continuing 5. Contact or get a meeting with every listing agent education classes to help them maintain their desig- you close a deal with. Add them to your Daily nations, offer detailed analyses of different mortgage Market Update email and the monthly tchotchke options for their clients, and make myself available for mailing. If they don’t send you business after a team consultations. Good financial advisors recognize year or two, take them off your tchotchke list. the need to have a great mortgage banker on their team 6. Constantly ask for business! Ask every client, and value the services they provide. past and present, and any referral source for referrals every chance you get. Look for reasons to reach out to your Realtors (in-process and past Realtors) and ask them for more business!
20 MORTGAGE EXECUTIVE • 2 0 1 8
BUSINESS STRATEGIES Oleg Tkach — Guild Mortgage Cody Touchette — Caliber Home Loans $156,667,534 – 509 units $100,488,802 – 266 units Most originators ask for referrals after a successful Communication is our best tool when it comes to transaction. This has been the standard in any sales marketing and prospecting. We have a schedule for industry since the existence of the profession. While contacting our referral partners, and we stick to it with this tactic is a proven way to generate business, it’s at least one phone call per week for all of our Realtor also not the only way to get referrals from your exist- partners as well as a weekly update call for all parties ing clientele. What we do on our team is update all par- (listing agent, buyer’s agents, borrowers, and escrow) TKACH ties of the transaction (buyer, listing agent, and selling on in-process loans. Communicating on a regular basis agent) every Tuesday—which we refer to as our Tues- results in an opportunity to generate leads as well as day update calls. After updating them on our loan sta- demonstrate our level of service. The majority of our tus, we ask if they have any questions and if they feel new leads and new referral partners come near the end that we have been doing a great job of taking care of of in-process loans—when borrowers who have been them thus far. Once we answer any additional ques- amazed by our communication are excited to provide tions that our clients have, we end with a simple pitch: us with contact information for friends and family who “We are glad you feel that we are taking great care of are also looking for mortgages. The listing agents are you. Please take care of us and connect us with any- frequently amazed, too, and come to us after success- TOMLINSON one you come across this week who is thinking of buy- ful transactions asking what they need to do to have us ing or could benefit from refinancing. We would love handle their clients’ loans on future purchases. to provide them with the same stellar service that we are providing you.” By using this tactic, we are able to Jonathan Yellon — loanDepot generate an additional 5 to 10 strong leads each month. $52,705,150 – 95 units The greatest challenge for successful loan officers Cynthia Tomlinson — American Pacific is dedicating the time to market themselves and their Mortgage, $68,992,675 – 284 units product offerings. I already know who my potential I believe that my knowledge of the industry and the referral sources are, as should all loan originators if mortgage climate is one of my best assets to offer my they are detailed, organized, and dedicated to perfect- TOUCHETTE clients and Realtor partners. I am very excited about ing their craft. The most successful originators create the business; I work hard at staying ahead of the curve a plan for how to dedicate their time to connect with and educate myself about all the regulatory program potential referral sources; Realtors, financial planners, changes that we continue to experience. When there CPAs, and attorneys are the most common categories. are changes in the market, my clients and Realtor part- It has to be a priority, every week, to dedicate specific ners have come to expect that I will keep them informed times to email and connect with sources to try and set quickly and accurately so they will have the neces- up appointments, while always listening. When you sary tools to compete with every advantage. I also am listen you learn and can take note of interests, impor- passionate and never tire of helping people be able to tant dates in their lives, their families, and so on, all of YELLON realize their dream of home ownership, whether it’s a which adds humanity to a business transaction. Our first-time home buyer, a move-up buyer, an investor, or business is a very personal one, and the topic we are refinancing. After all these years, I still love to be able covering for our clients contains a great deal of sensi- to make things happen for people and their families. I tivity. It’s crucial to be as sincere and compassionate am very grateful for the success I’ve enjoyed, and I am as possible about a borrower’s scenario. You must also committed to giving my best to everyone I work with. demonstrate confidence in your skills and the product you’re delivering while keeping the client’s costs in mind. That’s how I’ve built my business: on trust, with both my clients and my referral network. ■
22 MORTGAGE EXECUTIVE • 2 0 1 8 2017
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24 MORTGAGE EXECUTIVE • 2 0 1 8 AnINCREDIBLE Ride With Bob What Is Your Purpose?
An excerpt from Coach Will: A Story of Achieving Uncommon Sales Success by Todd Gehrke An Incredible Ride With Bob is my favorite chapter of the book A Story of Achieving Uncommon Sales Success. I think it tells a story that many people live through, finding themselves living in a way that is not in line with who they are. Regardless of your profession, if you feel that what you do is not congruent with who you are, success will be hard to achieve. You are left with a choice: find something else to do, or find out what it is in your current career that does fulfill your purpose.
2018 • MORTGAGE EXECUTIVE 25 SUCCESS STRATEGIES “The Incredibles is a story about most families in them, whether Bob likes it or not. His new purpose is America. Think about it. First, you have Bob Par, Mr. to be ‘normal’ like everyone else. Incredible. He starts the movie on top of the world. He “Violet, the teenage daughter, is in high school. I is being interviewed, has swagger. He chases down imagine her as a sophomore. The excitement of high bad guys and saves cats from trees. The whole world school has worn off. She’s not a freshman, and she has loves him. His purpose in life is to save the world, to no status. I mean, it’s not like she’s an upperclassman help people, and he’s good at it. Life is good. He mar- or anything. She is stuck in the middle of nothingness, ries ‘Elastigirl,’ the most popular girl on campus. Life and her superpower is…what?” could not be better. His challenge is clear: Defeat bad “She’s invisible.” Michael found himself mesmer- guys. And he wins every time. He has certainty in his ized by the story. Funny, I don’t remember noticing any life. Every day brings a new challenge to overcome, so of this when I watched the movie. I thought it was just he is never bored. He gets all kinds of attention and a kids’ cartoon. praise, and the world is a better place because of him. “You got it. She’s invisible. Like 90 percent of 15-year- “Then disaster strikes. Mr. Incredible is stripped of old girls today, she feels like she doesn’t matter. his status, becomes reduced to nothing more than an “Who’s next? Oh, yeah, Dash. Dash, the super ath- everyday citizen, and is relocated via a witness pro- lete that is always in trouble because he can’t sit still, tection program to Smallsville, USA. The movie skips has too much energy and no outlet. He can’t play sports forward 15 years, and you see Bob, fat and depressed. because he would expose himself as a super hero and He works in insurance protecting the company from blow his cover. His intro is getting called into the prin- paying claims to their clients—instead of protecting cipal’s office for being mischievous—like most junior the insured. He is seen trying to assist an old lady who high boys. clearly deserves help and is reprimanded by his boss. “Then there’s Jack-Jack, the baby they believe is just Then he goes home and is checked out from the fam- a normal kid. ily. His wife, Helen, is now being stretched in all direc- “That’s the life of Bob. He still has his trophy room, tions, dealing with kids, their school, keeping a home, his ‘Al Bundy’ room as I call it. It’s filled with his old tending to the baby, being a good parent—not unlike newspaper clippings and accolades, framed and hang- millions of moms every day. Her new purpose in life is ing proudly on the walls. But his life now stinks. Bob to keep the family safe, and she is just fine living incog- still has certainty. He’s certain tomorrow will suck as nito. Therefore, that has become the purpose of all of bad as today. He has no variety. His life is mundane. He
He helped me find purpose again. He helped me realize who I was and what I wanted, what was important to me.
26 MORTGAGE EXECUTIVE • 2 0 1 8 We talk in your sleep.
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© 2018 Embrace Home Loans, All rights reserved. Embrace Home Loans is an Equal Opportunity Employer. NMLS ID # 2184 SUCCESS STRATEGIES doesn’t matter. Hardly anyone even knows his name. had been fighting an internal battle with himself, with And the world? The world is certainly not better, but who he truly was, Mr. Incredible, and the life he was actually worse because of him. He is fighting for share- living, the life of Bob Parr. In doing so, he created an holders, not people now. So what does he do to add a unwanted consequence, which was to risk losing his little excitement? He cheats. He cheats on his wife by most intimate possession, his family, the family that he telling her he is going bowling, and he goes out fight- had taken advantage of, taken for granted. ing crime instead. What starts out as an innocent crime “What happens next? The family bonds together,
Todd Gehrke fight evolves into a full–blown affair. He loses his job, stronger than ever, and defeats the bad guy in a great is the author of but he gains a whole revitalized passion for life when inner–city family versus bad robot battle scene. They Coach Will: A Story of he fights a killer robot. He feels like the old Bob again. become heroes once again. The movie ends with the Achieving Uncommon He starts working out, gets a new car, and flirts with family together at a track meet. Dash gets to run. With a Sales Success and Helen. Life is good—well, getting better anyway. How- new confidence she never had, Violet helps the boy she The Borrower’s Bible. ever, he gets so obsessed with his own needs that he was too afraid to even let notice her ask her on a date. A He currently manages unintentionally puts his family in danger. See, he now rumbling sound is heard, a new bad guy emerges, and over $200 million has a new battle brewing. He is now not living the pur- what happens? The united Incredibles stand together in worth of mortgages in pose that Helen has assigned him. super suits, ready to take villainy on as a team.” Colorado. Visit Todd at “He gets in trouble fighting the robot, and who comes “So much for it being a kids’ move,” Michael said. toddgehrke.com to save him? Helen and the kids. He gets them all cap- “That is…” He stopped himself. to become part of a community of tured, and as they are being held by some electric field, “Incredible?” Bob said. like-minded sales he breaks down. He realizes that there are more impor- “Yeah.” professionals, to tant things in life than just him, and he never meant to They both laughed. find out more hurt the people that he loves most. You see Michael, he “That was me, Michael. I was Bob, the high school information, or to join star, but when high school ended, I was nothing. I didn’t the facebook.com/ play college ball, and I finished being just an ordinary CoachWillbook group. guy. I married Ann, my high school sweetheart, and we had a couple kids. I was never really good at any- thing and found myself drinking too much, fat, and living through my kids—talking about the glory days, the days when I was somebody. Honestly, if it wasn’t for Theron playing ball and me getting back with Coach, I don’t know where I would be.” “How’s that?” “He helped me find purpose again. He helped me realize who I was and what I wanted, what was impor- tant to me. Once that happened, I became a role model for my kids, started acting like the person they could look up to, and things started getting better. I can own my day. You know, I don’t know anyone that actually thinks about a perfect day starting with a hangover. Mine didn’t either. Little by little, I stopped doing the things that didn’t jive with who I wanted to be. Almost immediately, who I wanted to be was who I was. Being significant to my family means a lot to me, so I needed to step up. I, like Bob Parr in The Incredibles, work in insurance. But I get to help people, not sharehold- ers, and earn good money too. I can be a good dad for Theron and Becky and a good husband to Ann, which I wasn’t for quite a while.” Bob paused. “That’s enough of that. We’re here.” Michael looked up. They were already pulling through the gate entering the stadium. ■
28 MORTGAGE EXECUTIVE • 2 0 1 8 CONGRATULATIONS TO OUR TOP PRODUCERS!
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CITYWIDEHOMELOANS.COM 9785 South Monroe Street, Suite 200 | Sandy, UT 84070 Citywide Home Loans NMLS #67180 • 866-437-0200 • Equal Housing Lender 30 MORTGAGE EXECUTIVE • 2 0 1 8 TOP 200 MORTGAGE ORIGINATORS In America 2017 Top Mortgage Originators Are Gaining Market Share and Growing Production Just As Much of Their Competition Leaves the Mortgage Business
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2018 • MORTGAGE EXECUTIVE 31 Learn the Critical Moneymaking Skills You Need to Build a Profitable Mortgage Business!
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CLOSED RK NAME COMPANY STATE LOANS 2017 VOLUME 1 Brian Scott Cohen Wells Fargo Home Mortgage NY 666 $532,968,694 2 Shant Banosian Guaranteed Rate MA 1129 $457,938,692 3 Brian Minkow HomeBridge Financial Services, Inc. CA 760 $325,301,274 4 Anthony Musante PNC Bank PA 307 $282,768,380 5 Andrew Marquis Guaranteed Rate MA 646 $278,529,031 6 Gregory Roth Guild Mortgage Company CA 1,309 $271,220,320 7 Ben Cohen Guaranteed Rate IL 569 $271,143,617 8 Risha Kilaru Guaranteed Rate CA 475 $268,046,607 9 Michael Rodriguez Platinum Capital Mortgage CA 517 $249,204,220 10 Michael Roberts City Creek Mortgage Corp. UT 892 $238,882,357 11 Julie Long Commonwealth Mortgage LLC MA 870 $237,997,029 12 Baret Kechian loanDepot NJ 487 $226,352,854 Learn the Critical Money- 13 Ken Grant Guild Mortgage Company CA 1,460 $224,213,075 Making Skills You Need 14 Paul Volpe NOVA Home Loans AZ 1019 $220,572,506 to Build a Profitable 15 Ed Currie Associated Bank IL 297 $219,936,947 Mortgage Business 16 Ben Anderson LendUS, LLC dba RPM Mortgage CA 337 $212,334,431 Here are some sobering statistics. 17 Brian Decker loanDepot CA 581 $203,693,011 The majority of mortgage 18 Jason Gosser Guild Mortgage Company WA 708 $202,696,488 originators will likely see a 20% 19 Michael Meena Augusta Financial Inc. CA 492 $198,179,620 to 40% decline in personal income 20 Sam Sharp Guaranteed Rate IL 587 $181,000,976 from last year. And if that is the 21 Joe Caltabiano bemortgage IL 496 $180,324,574 worst that happens, they are the 22 Steve Brown Guild Mortgage Company CA 797 $174,769,851 lucky ones. 23 Michael Borodinsky Caliber Home Loans NJ 522 $169,267,900 What makes the difference between 24 Jon Tobias Fairway Independent Mortgage AZ 753 $169,173,722 thriving and barely surviving in 25 Chris Gallo NJ Lenders Corp. NJ 410 $166,531,264 the mortgage business, between a 26 Diane T Clark PrimeLending TX 436 $163,667,666 Top 10 mortgage originator earning 27 Jeremy Durkin Trident Mortgage Company PA 568 $162,976,020 $1 million+ a year and someone 28 Lauren Maxwell LendUS, LLC dba American Eagle Mortgage FL 619 $160,229,855 just getting by? Answer: It’s not 29 Austin Larr Fairway Independent Mortgage IN 903 $159,936,690 interest rates or service levels. It’s 30 Oleg Tkach Guild Mortgage Company WA 509 $156,667,534 the skills, strategies, and systems 31 Jarret Coleman United Bank CT 306 $156,410,974 developed and implemented by 32 Robby Oakes Corporate Investors Mortgage NC 556 $155,000,000 the mortgage professional. 33 Richard Elmendorf Caliber Home Loans VA 370 $150,158,900 That is the key element. 34 Ryan Grant Fairway Independent Mortgage CA 297 $148,412,796 MASTERMIND SUMMIT gives 35 Gregory Kingsbury Caliber Home Loans MD 311 $147,819,400 you the tools and systems to 36 Ken Cheung HomeBridge Financial Services, Inc. NY 336 $145,068,716 make quantum leaps in your 37 Robert Painter New American Funding CA 137 $143,529,371 mortgage production and business 38 John Noldan Guaranteed Rate IL 518 $143,505,220 results. Designed for successful, 39 Carey Ann Cyr CMG Financial TN 630 $142,559,163 experienced originators, managers, 40 Keith Hapenney Leader Bank MA 317 $140,759,714 and CEOs, the event provides 41 Tim Smith Chemical Bank MI 321 $140,208,824 what is needed to break through 42 Elizabeth Hoeffer Irvine Guild Mortgage Company AZ 634 $139,687,772 to the next level. 43 Lisamarie Nicholas PrimeLending CT 556 $139,547,807 Register online today or 44 Bruce Salik HomeBridge Financial Services NY 391 $136,570,062 call 866.304.8319 45 Rodney Anderson Supreme Lending TX 529 $135,185,605 46 Indy Johar Draper and Kramer Mortgage Corp. MA 354 $134,400,130 47 Ryan Mecum Guaranteed Rate IL 325 $134,202,230 48 Julie Johnson Guild Mortgage Company WA 329 $134,024,800 49 Daniel McCoy MVB Mortgage NC 504 $133,166,596
34 MORTGAGE EXECUTIVE • 2 0 1 8 50 Joseph Mazzo Summit Funding CA 305 $132,993,479 We’re committed to helping our Originators GROW their business
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www.mortgageexecutivemagazine.com WINTER 2016 CLOSED MORTGAGEEXECUTIVE RK NAME COMPANY STATE LOANS 2017 VOLUME Turning Adversity Into Advantage 51 Hunter Marckwardt LendUS, LLC dba RPM Mortgage CA 217 $132,349,246 TOP 200 52 Umar Gebril Academy Mortgage Co. WA 265 $132,009,730 MORTGAGE ORIGINATORS In America 2015 53 Marylee Gilchrist Citywide Home Loans UT 517 $131,298,108 How to Grow 54 Steve Grossman NJ Lenders Corp. NJ 251 $127,780,800 Your Business, Your Income & 55 Becca Green Guild Mortgage Company NV 576 $127,609,184 Your Profit 56 Artin S Babayan PrimeLending CA 260 $127,011,239 Tony Robbins Live 57 Sean Fritts McLean Mortgage VA 295 $126,010,080 58 Billi West Network Funding, LP FL 549 $125,982,442 59 Shimmy Braun Guaranteed Rate IL 359 $124,358,341 THE # MORTGAGE 60 Casey Oiness Guild Mortgage Company WA 260 $123,722,121 EVENT 1 IN AMERICA 61 Mike Hartunian HomeBridge Financial Services, Inc. CA 211 $122,860,197 62 Shayla Gifford Guild Mortgage Company NV 469 $122,386,436 Here Is What Leading 63 Joseph Smith Guaranteed Rate MA 263 $121,889,148 CEOs Are Saying About 64 Sam Rosenblatt Academy Mortgage Co. MD 394 $120,723,584 Mastermind Summit 65 Lysa Catlin Caliber Home Loans WA 212 $118,478,600 Bill Dallas, legendary mortgage entre- 66 Brad Cullipher Bridgeview Bank Mortgage TX 443 $118,438,580 preneur and $2.1B CEO of Skyline 67 Shelly Logemann LendUS, LLC dba RPM Mortgage CA 182 $117,978,009 Home Loans, said, “It is important to 68 Brady Lee Thomas American Pacific Mortgage CA 163 $117,028,752 invest in the University of You! Intelli- 69 Dianne Crosby Guaranteed Rate CA 190 $117,020,887 gence is the X-factor in business today. 70 Allyson Kreycik Guaranteed Rate MA 256 $116,470,269 Everybody can work hard, possess a 71 Kory Kavanewsky CMG Financial CA 231 $116,275,873 great attitude, and show empathy for those around you ... but those who 72 Jody Eichenblatt Prosperity Home Mortgage VA 264 $116,257,039 know what to do and are smart sur- 73 Matthew Adler Lake Michigan Credit Union MI 492 $115,556,768 pass everyone else! 74 Edwin Davidian Skyline Home Loans CA 249 $115,368,441 75 Timothy Taylor HomeBridge Financial Services, Inc. CA 205 $114,226,999 “When I was a top loan officer, I cop- ied what other successful folks did and 76 Elvis Eric Keshishyan Skyline Home Loans CA 257 $113,360,549 learned from the mistakes of others. 77 Michael Deery Citywide Financial Corp. CA 257 $112,808,450 Lead generation and customer reten- 78 Phil Nguyen George Mason Mortgage, LLC VA 264 $111,402,731 tion have fundamentally changed loan 79 Roger Brasil Guaranteed Rate MA 232 $111,238,508 origination … you need to adjust your 80 Austin Lampson On Q Financial CA 229 $110,633,109 model to be truly successful going for- 81 Michael Mann Fairway Independent Mortgage PA 522 $110,069,239 ward … learn from the best … accept 82 Mark Johnson HomeBridge Financial Services, Inc. CA 222 $110,043,820 nothing less than the best … choose to 83 Chris Fenoglio Finance of America Mortgage CA 244 $109,353,967 be great!” 84 David Jaffe On Q Financial CA 227 $108,320,364 According to Keith Tibbles, EVP of 85 Paul Concannon Wells Fargo Home Mortgage MD 252 $107,333,666 the $40B Caliber Home Loans, “The 86 Joe Polizzi LendUS, LLC dba RPM Mortgage CA 171 $106,269,316 amount of change in our industry is 87 Matt Johnson Umpqua Bank WA 203 $106,172,732 making the adaptation and reinvention 88 Dan Gjeldum Guaranteed Rate IL 217 $106,104,384 skills of loan originators some of the 89 James Pulsipher Bay Equity Home Loans CO 495 $106,009,076 most important personal development 90 Christopher Keelin Family First Funding LLC NJ 386 $105,815,141 needs. There is no better way to invent or reinvent anything than to 91 Beth Lewis Perl Mortgage IL 351 $105,715,556 be in a large room filled with bright, 92 Christopher Washburn Caliber Home Loans DC 240 $104,887,400 driven, and successful people sharing 93 Jacqueline Murphy Caliber Home Loans WA 237 $104,372,000 a common challenge! That is the 94 Jeff Miltenberger Guild Mortgage Company WA 340 $104,036,938 development platform these events 95 Carol Clark Guild Mortgage Company CA 688 $103,814,145 provide for all in attendance.” 96 Sean Logue Trident Mortgage Company PA 280 $103,793,496 MASTERMINDSUMMIT.COM 97 Jonathan Okun Prosperity Home Mortgage MD 208 $103,326,636 98 Brett Baird Citywide Home Loans CO 394 $103,161,596 99 James Edward Pope Wintrust Mortgage WI 255 $103,016,367
36 MORTGAGE EXECUTIVE • 2 0 1 8 100 Brett Burns Directors Mortgage WA 298 $102,244,861 MORTGAGE ORIGINATORS TOP 200 In America 2017
CLOSED RK NAME COMPANY STATE LOANS 2017 VOLUME 101 Petros Christophilis HomeStreet Bank WA 223 $101,890,932 102 Matt Weaver CrossCountry Mortgage FL 401 $101,278,641 103 Cody Touchette Caliber Home Loans WA 270 $101,233,800 104 Nicole Rueth Fairway Independent Mortgage CO 326 $101,093,036 105 Tammy Wittren Guild Mortgage Company OR 284 $101,074,309 106 Gavin Ekstrom Citywide Home Loans CO 441 $101,012,167 107 Brian R. Jessen Guaranteed Rate IL 234 $100,611,686 108 Michael Brown Churchill Mortgage TN 417 $99,827,575 109 Shawn Huss Chemical Bank OH 888 $99,403,660 110 David Epstein Primary Residential Mortgage FL 295 $99,330,943 111 Mindy Ashdown Academy Mortgage Co. UT 375 $98,954,225 112 Brian Sciutto Pure Mortgage CA 229 $98,893,774 113 Eric Kulbe Guild Mortgage Company CO 309 $98,700,500 Learn the Critical Money- Making Skills You Need 114 Robert Levy HomeStreet Bank CA 191 $98,109,722 to Build a Profitable 115 Steph Noble Guild Mortgage Company OR 304 $97,121,132 Mortgage Business 116 Steve Siwinski Draper and Kramer Mortgage Corp. IL 505 $97,038,038 117 Jason Evans loanDepot MA 273 $96,947,720 Here are some sobering statistics. 118 Brian Kerby Academy Mortgage Co. CO 295 $96,654,801 The majority of mortgage 119 Damon Johnston Academy Mortgage Co. CO 296 $96,654,801 originators will likely see a 20% 120 Peter Accolla George Mason Mortgage, LLC VA 235 $96,527,053 to 40% decline in personal income 121 Jeff Morgan Academy Mortgage UT 307 $96,330,946 from last year. And if that is the worst that happens, they are the 122 Michele Stanisch Guaranteed Rate CA 166 $96,056,022 lucky ones. 123 Alexander J Varela PrimeLending TX 459 $95,872,577 124 Chawki M Hage PrimeLending MI 566 $95,686,796 What makes the difference between 125 Reginald Maddox McLean Mortgage VA 223 $95,542,926 thriving and barely surviving in 126 Ashley Mckenzie Fairway Independent Mortgage NC 561 $95,097,143 the mortgage business, between a 127 Jerry Sundt V.I.P. Mortgage, Inc. AZ 435 $94,875,356 Top 10 mortgage originator earning 128 Tyler Bahnsen HomeBridge Financial Services FL 370 $94,065,146 $1 million+ a year and someone 129 Karen Nielson Guild Mortgage Company UT 555 $93,972,947 just getting by? Answer: It’s not interest rates or service levels. It’s 130 Tom Lavallee Guaranteed Rate IL 354 $93,904,248 the skills, strategies, and systems 131 Joseph McBreen bemortgage IL 636 $93,605,918 developed and implemented by 132 Justin Bonura NJ Lenders Corp. NJ 245 $93,154,531 the mortgage professional. 133 Michael Certo Fairway Independent Mortgage AZ 407 $92,590,616 That is the key element. 134 Ryan Buckholdt Opes Advisors, A Division of Flagstar Bank CA 174 $92,559,542 135 Chad S Trease PrimeLending KS 422 $92,514,500 MASTERMIND SUMMIT gives 136 Jane Floyd NFM Lending FL 383 $92,354,543 you the tools and systems to 137 Eric Glick Certainty Home Loans GA 431 $92,165,081 make quantum leaps in your mortgage production and business 138 Matthew Allen Caliber Home Loans WA 200 $91,817,400 results. Designed for successful, 139 Michael Dunn Guild Mortgage Company CA 366 $91,674,276 experienced originators, managers, 140 Brady Spangler Axia Home Loans HI 205 $91,493,442 and CEOs, the event provides 141 Jonathan Lamkin Guaranteed Rate NJ 193 $91,397,028 what is needed to break through 142 Justin Oliver NOVA Home Loans AZ 411 $91,122,202 to the next level. 143 Jesse Morgan HomeStreet Bank CA 172 $90,925,110 Register online today or 144 Matt Garcia Supreme Lending GA 355 $90,641,803 call 866.304.8319 145 Rob Ross MVB Mortgage DC 206 $90,615,551 146 Brandon Moss Fairway Independent Mortgage CA 163 $90,263,237 147 Ron Erdmann Guaranteed Rate OH 374 $90,216,955 148 Mary Josepha Whelan Skyline Home Loans CA 191 $89,696,920 149 Drew Boland Guaranteed Rate IL 236 $89,526,400
150 Tom O'Keefe Prosperity Home Mortgage MD 183 $89,488,607 2018 • MORTGAGE EXECUTIVE 37 MORTGAGE ORIGINATORS TOP 200 In America 2017
www.mortgageexecutivemagazine.com WINTER 2016 CLOSED MORTGAGEEXECUTIVE RK NAME COMPANY STATE LOANS 2017 VOLUME Turning Adversity Into Advantage 151 David Hatlen HomeStreet Bank WA 167 $89,115,698 TOP 200 152 Melissa Bell McLean Mortgage VA 223 $89,073,497 MORTGAGE ORIGINATORS In America 2015 153 Adam Slack Guaranteed Rate NC 371 $88,936,732 How to Grow 154 Neena Vlamis A and N Mortgage Services IL 265 $88,910,144 Your Business, Your Income & 155 Anthony Lupescu Fifth Third Bank IL 200 $88,722,399 Your Profit 156 Michael Bowen Guild Mortgage Company CO 476 $88,663,899 Tony Robbins Live 157 Mike Walsh Trident Mortgage Company PA 273 $88,439,679 158 Drew Frampton American Pacific Mortgage CA 143 $88,129,803 159 Blake Eagal Summit Funding, Inc. CA 297 $87,924,499 THE # MORTGAGE 160 Manuel Corral GEM Mortgage CA 364 $87,647,984 EVENT 1 IN AMERICA 161 Brandon Knapp LendUS, LLC dba RPM Mortgage CA 124 $87,459,210 162 Daryn Jay Peterson Wintrust Mortgage IL 189 $87,400,682 Here Is What Leading 163 Shane Siniard SWBC Mortgage GA 499 $87,237,105 CEOs Are Saying About 164 Nikki James Opes Advisors, A Division of Flagstar Bank CA 77 $86,832,671 Mastermind Summit 165 James Nesbit Academy Mortgage Co. WA 354 $86,663,164 Bill Dallas, legendary mortgage entre- 166 Cricket Libby-Gregorich Caliber Home Loans FL 442 $86,602,500 preneur and $2.1B CEO of Skyline 167 David Slater Academy Mortgage Co. CO 288 $86,462,747 Home Loans, said, “It is important to 168 Michael A. LiPari Bond Street Mortgage NJ 257 $86,388,804 invest in the University of You! Intelli- 169 Amanda Sessa SWBC Mortgage CO 238 $85,791,458 gence is the X-factor in business today. 170 Silverio Garcia GEM Mortgage CA 226 $85,524,109 Everybody can work hard, possess a 171 Dana Gounaris Trident Mortgage Company NJ 377 $85,390,654 great attitude, and show empathy for those around you ... but those who 172 Phyllis Casillas On Q Financial AZ 297 $85,375,162 know what to do and are smart sur- 173 Jenny Kim Larsen George Mason Mortgage, LLC VA 220 $85,280,809 pass everyone else! 174 Chris Smith Trident Mortgage Company PA 274 $85,176,513 175 Claudette Khachatourian HomeBridge Financial Services, Inc. CA 205 $85,160,299 “When I was a top loan officer, I cop- ied what other successful folks did and 176 Jimmy Alexander SWBC Mortgage TX 418 $85,103,076 learned from the mistakes of others. 177 Marc Western Citywide Home Loans UT 267 $85,045,054 Lead generation and customer reten- 178 Mike Nielsen Guaranteed Rate IL 228 $84,861,498 tion have fundamentally changed loan 179 Lisa Gustafson loanDepot CO 287 $84,764,909 origination … you need to adjust your 180 Pamela Miller Fairway Independent Mortgage TX 248 $84,697,845 model to be truly successful going for- 181 John Pyne Intercoastal Mortgage Company VA 168 $84,477,292 ward … learn from the best … accept 182 Andrew Richard Cardina Residential Mortgage Services PA 381 $84,382,009 nothing less than the best … choose to 183 Travis Harley Dick Network Capital CA 278 $84,137,121 be great!” 184 Daniel Meier HomeStreet Bank WA 212 $84,096,503 According to Keith Tibbles, EVP of 185 Kelly Crowther loanDepot CA 220 $83,821,765 the $40B Caliber Home Loans, “The 186 Chris Schoenthal HomeBridge Financial Services GA 352 $83,664,719 amount of change in our industry is 187 Debbie Maggert Guild Mortgage Company NV 311 $83,275,085 making the adaptation and reinvention 188 Joseph Antonios United Bank CT 129 $83,090,364 skills of loan originators some of the 189 Matt Schwartz Golden Empire Mortgage, Inc. dba Southlake Mortgage TX 364 $82,875,480 most important personal development 190 Nathaniel Lindsey Wells Fargo Home Mortgage CA 118 $82,853,172 needs. There is no better way to invent or reinvent anything than to 191 Brad Lengle Guild Mortgage Company CA 246 $82,639,911 be in a large room filled with bright, 192 Derek Wetzel On Q Financial WA 141 $82,455,752 driven, and successful people sharing 193 Julie Jones Caliber Home Loans WA 182 $81,646,800 a common challenge! That is the 194 Doug Mendenhall Finance of America Mortgage OR 242 $81,311,294 development platform these events 195 Lana Geraghty On Q Financial WA 295 $81,084,862 provide for all in attendance.” 196 Jay Vogel Residential Mortgage Services NH 335 $80,972,168 MASTERMINDSUMMIT.COM 197 Hani Ali Guaranteed Rate IL 252 $80,844,990 198 Dean Vlamis Guaranteed Rate IL 212 $80,668,655 199 Josh Burruss MVB Mortgage VA 170 $80,496,670
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nOVa lOan OffICers OrIgInate 78% mOre Per mOnth than the aVerage lOan OffICer NOVA® Home Loans NMLS 3087. NOVA® is an Equal Housing Opportunity lender. 1-800-955-9125. 6245 E. Broadway Blvd., Ste., 400, Tucson, AZ 85711. AZ BK 0902429. CA: Licensed by the CA-DBO under the CFLL PrOPrIetary lOan OffICer COaChIng PrOgram (6036566) and CRMLA (4131230). Loans made or arranged pursuant to CFLL or CRMLA license. IL: Illinois Residential Mortgage Licensee. NOVA® is licensed in multiple states, visit www.nmlsconsumeraccess.org COmmItted tO gIVIng baCk tO Our COmmunItIes Building By Marc Demetriou Managing &your network I simply love networking, because I love meeting new people. I enjoy the networking dance, and the opportunity, expectations, chances, and wonder that come with it. Maybe you’ll meet a person with whom you can do business, or maybe you’ll meet someone who is destined to become a new friend. Maybe you’ll even meet someone with whom you will form an alliance. And, just maybe, that person will become your business partner in the future.
All it takes is making a few contacts or even one lasting connection. With networking, there are no limits. There are just limitless possibilities.
40 MORTGAGE EXECUTIVE • 2 0 1 8 BUSINESS STRATEGIES
2018 • MORTGAGE EXECUTIVE 41 BUSINESS STRATEGIES Build Relationships to Build Your Best Life I look to meet more people each and every day, Building relationships, especially lasting relation- because therein lies the best generator of new business. ships, is essential to any business or venture. No matter Business development never takes a day off. Existing what path you choose to go down in life, you will never relationships maintain and sustain, but the new rela- stop working on building relationships. You can super- tionships are just as important. A great way to build charge this strategy by serving charitable, civic, com- your network is by connecting with the colleagues and munity, and business service organizations, through clients of people in your existing database that already which even more relationships evolve. know you and, more importantly, already refer business When you meet someone, what you always take to you. This is truly “the secret” to building an incred- away are those “first blush” senses and feelings as to ibly successful referral-based business. whether or not you might build a friendship or profes- On another note, since we spend more time working sional relationship with them. You make an assessment with our colleagues, referral partners, and clients than of their trust, ability, smarts, and other important quali- we get to spend with our own family and friends, it is ties. However, you cannot be sure, and you will not be very important to surround yourself with good people sure until you get to know them—if you get to know who you enjoy being with. These people will also play them. Still, you’re generally more right than wrong a major part helping you advance in your field and grow about those first blush impressions. So, all you can do as a person. And, again, make sure that you also help is trust yourself and look to follow up with those you others advance as individuals and in their careers. The meet who, for whatever reason, made your A-list. positive energy of giving is very powerful. Be a giver While you are encountering and assessing people and you will see incredible things happen. who may be able to help you, also think about others in Mastering the Art of Networking your business and personal life, and look out for them. Through networking, you cultivate productive rela- If you have an idea, referral, or prospective opportunity tionships for employment, business, or enterprise. I like for them, make the connection, pass it along, and help to describe it as networking, with a hard emphasis on them to succeed. Believe me, if you do this as routinely the working part. It takes a lot of time, energy, sacri- as you brush your teeth or grab that morning cup of fice, commitment, and dedication to build the kind of coffee, you will build a mighty network of friends, and relationships that both work and last. Networking, in the business and good karma will come back to you in effect, is a portal to or a tool via which to develop new spades. I know, with absolute certainty, that doing good relationships. and being a positive force for others makes an incred- From event to event, every single networking oppor- ible difference and attracts people to you like a magnet. tunity is rich with promise and unbridled possibility. By definition, networking is “the exchange of information or services among individuals, groups, or institutions; the cultivation of formative and productive relation- ships for employment or business.”
42 MORTGAGE EXECUTIVE • 2 0 1 8 Networking events often are sponsored by chambers of commerce, professional associations, and even civic and community organizations. They are specifically designed to bring people together in order to advance their business and professional purposes. People attend with the absolute intention of connecting with others with whom they might exchange reciprocal leads in the hope of generating either business or interest in their work. You must remember that the most important aspect about networking is that it is a two-way street. You cannot be there for your own self-interest only, or people will see right through you. To get something, you must be willing to give some- thing in return.
Strategic Alliances Strategic alliances can be extremely important to you, and are reserved for the very special people who you get to know very well over the course of a number of follow-up meetings. The purpose of the strategic alli- ance is for both parties to commit to sending business to each other. Be sure to keep a list of your strategic alliance partners’ contact information in your phone and a typed list on you as well. This will serve as a reminder for you to always think about the fortunate members in your strategic alliances, and it almost guarantees that you will be sending busi- ness their way regularly. Believe me, if they understand how this works, and if they are true, they will keep you in mind and send business your way as well. You should catch up with your strategic partners regularly, not to compare lead counts but simply to stay in tune and to advise one another of any impor- tant updates or new products that will help you better promote each other. If 12 months pass and you have sent five leads to one member, while that person has sent none, it’s definitely time for a meeting or reckon- ing to assess why and whether or not it makes sense to hold on to that partnership. This is not just about being on the receiving end. With a strategic alliance, it is vital to have the right partners because you do have good leads and value to offer, and some reciprocation is only fair. Not one for one, necessarily, but you must know that there is, at least, active consideration and concern on their part.
2018 • MORTGAGE EXECUTIVE 43 BUSINESS STRATEGIES Telling the World should include every prospect and past client. You need KEYNOTE Overall, networking is for making lasting connec- to keep this information up to date, and take the time SPEAKER! tions and becoming well known. It is about building to enter new information on a timely basis. Also, it is MASTERMINDSUMMIT both short-term and long-term business relationships. very important to put them into categories by industry It is about telling the world that you are an honorable so that you can routinely send specific information or and good person, and an expert in your field who can updates that will relate to them. They will appreciate be trusted to deliver. It is about convincing those you the information. At the least you should send something meet that you will do well by their clients. It is about informative out to your entire database once a month branding yourself as the go-to guy or gal. It is about in- to keep your name in front of them. If you have done Marc Demetriou your-face, personal, close and upfront marketing—for a good enough job of being known as an expert in your of Residential Home me, the most satisfying kind. It is tangible, real, and field, hopefully they will remember to reach out to you Funding is a top immediate. when your services are needed. It is about telling the world that you are the expert producing mortgage Final Thoughts originator and the who can deliver the goods. There is no getting away from the fact that being a author of Lessons Everyone could use a great attorney, accountant, good networker turns on the confidence and the faith From My Grandfather: real estate agent, mortgage broker, banker, insurance that you have in yourself. It turns on the simple ability Wisdom for Success in agent, financial planner, electrician, contractor, etc., to to relate to people on their terms and not yours. It turns Business and Life. Marc refer business to. Your purpose is to be so impressive on knowing all that you could ever possibly need to can be reached via that you make everyone’s list. know about your product, service, art, or cause. It marcdemetriou.com. Database Management turns on your belief in yourself and in knowing that His book is available at Managing your contacts in some type of program or you truly have something of value to offer. Be the best, Amazon.com and service to collect and store the business cards and addi- be yourself, be open and caring, and this tremendous other online outlets. tional information that you gather on every single per- resource will open up doors and unimagined new Find out more at son you know and meet is essential to your success. It vistas for you. ■ GrandfatherLessons.com.
44 MORTGAGE EXECUTIVE • 2 0 1 8 Congratulations to our team! 888.CMG.HOME • CMGFI.COM 8 0 3 7 # # CMG Financial is proud to congratulate our 14 Top 1% Originators in America who exceeded annual personal production levels of $30 Million.
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© 2018 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender with corporate office located at 3160 Crow Canyon Road, Suite 400, San Ramon, CA 94583 888-264-4663. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company #MC.0001160; Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. NMLS Consumer Access (www.nmlsconsumeraccess.org). MASTERMIND SUMMIT
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The Top 1% of Mortgage Originators Delivered Out- standing Results in a Challenging Mortgage Market
Mortgage Executive Magazine compiled the most comprehensive list of The Nation’s Top 1% of Mortgage Originators. The Top 100 Mortgage Originator list debuted in 1995 in Mortgage Originator Magazine. Mortgage Executive Magazine expanded the rankings to include the top 1% of the hundreds of thousands mortgage originators in the U.S in 2011.
The minimum eligibility criteria are a total “personal” production of at least $30 million in 2017. Entries cannot include loan volume of associate originators or junior originators that earn a commission on the same loan files.
Mortgage Executive Magazine seeks to recognize and celebrate the service, dedication, and hard work that leading mortgage professionals put into serving their clients during the home loan process.
48 MORTGAGE EXECUTIVE • 2 0 1 8 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Mark Aalto Summit Funding Rebecca Annette Ross Skyline Home Loans Ross Barrett Guild Mortgage Company Chelsea Abbate NFM Lending Mark Anselmo Trident Mortgage Company Lee Barroll SWBC Mortgage Corporation Chantry Abbott Guild Mortgage Company Darran Anthony First Home Mortgage Ryan Joseph Barry NJ Lenders Corp. John Abraham Caliber Home Loans Joseph Antonios United Bank Nicholas J Barta Security First Financial, div. of Primary Residential Mortgage Kari Abt Fairway Independent Mortgage Vincent Apostolico McLean Mortgage Jill Bartoletti Caliber Home Loans Jason Alan Accola Wintrust Mortgage Peter Appolito Finance of America Mortgage Peter G Bartolini PrimeLending Peter Accolla George Mason Mortgage, LLC Daniel Arias Skyline Home Loans Matthew James Bassitt American Pacific Mortgage Craig Achtzehn Draper and Kramer Mortgage Corp. Patrick Arledge HomeBridge Financial Services, Inc. Sam Batayneh Guaranteed Rate Rene Acosta NOVA Home Loans Julie Arnold Highlands Residential Mortgage Kit Bate Academy Mortgage Co. George Adair II Bay Equity Home Loans Justin Arnold Opes Advisors, A Division of Flagstar Bank Austin Bates V.I.P. Mortgage, Inc. Jeff Adams Certainty Home Loans David Arocho PrimeLending Charles Bates Academy Mortgage Co. Jonathen Adams loanDepot Jeff Aronheim Citywide Home Loans Giuseppe Battaglioli Hallmark Home Mortgage Shellane Adams HomeStreet Bank Stephen Arsenault MVB Mortgage Michael Beagan HomeBridge Financial Services Tony Adkins Alliance Home Loans Philip Artt Movement Mortgage Gail Bean HomeStreet Bank Matthew Adler Lake Michigan Credit Union Amber Arwine Guaranteed Rate Tommy Bearint Waterstone Mortgage Lynnae Aguilar Academy Mortgage Co. Mindy Ashdown Academy Mortgage Co. Ty Beaudry Caliber Home Loans Sonny Aguilera Academy Mortgage Co. Tish Ashley Highlands Residential Mortgage George Beavin Summit Funding Richard Alashaian NJ Lenders Corp. John Assily LendUS, LLC dba RPM Mortgage Katherine Beck HomeStreet Bank Devyn Alexander PrimeLending Matthew Attaya Residential Mortgage Services Kelli Beckel PrimeLending Jimmy Alexander SWBC Mortgage Andrew Austin Caliber Home Loans Ryan Beckman Guild Mortgage Company Shannon Alexander Fairway Independent Mortgage Edoardo A Avakian Skyline Home Loans Robin Beckner Fairway Independent Mortgage Jarred Alexandrov Fairway Independent Mortgage Marc Aymard First Home Mortgage Jennifer Beeston Guaranteed Rate Hani Ali Guaranteed Rate Artin S Babayan PrimeLending Chris Beiriger Supreme Lending Ace Allak Guaranteed Rate Brian Babcock Fairway Independent Mortgage Raffi Bekmezian Supreme Lending Cathy Allen HomeStreet Bank Christian Babcock loanDepot Brian Beland Guaranteed Rate Jill Allen Fairway Independent Mortgage Alex Babiniec New American Funding Melissa Bell McLean Mortgage Kellie Allen Guild Mortgage Company Bob Bachman New American Funding Shari Bell-Beals New American Funding Kent Allen Trident Mortgage Company Stephen Bachman Caliber Home Loans Justin Belle Isle PrimeLending Matthew Allen Caliber Home Loans Steve Badovinac New American Funding Grant Bellis Mortgage Services III Tanja Allen Fairway Independent Mortgage Tyler Bahnsen HomeBridge Financial Services Dan Bello Residential Mortgage Services Nichole Allison New American Funding Kyle Bailey Opes Advisors, A Division of Flagstar Bank Matthew Belmont Primary Residential Mortgage Derek Alverson Prosperity Home Mortgage Paddi Bailey Gateway Mortgage Group Sean Bemis New American Funding Manuel Aly Caliber Home Loans Brett Baird Citywide Home Loans Trevor Bennett Caliber Home Loans Vahram Amayakyan Wintrust Mortgage Chad Baker LendUS, LLC dba RPM Mortgage Glenn Benson Prosperity Home Mortgage Ramsey Amer Taha Network Capital Christine Baker Gateway Mortgage Group Roland Benson loanDepot Pauline Amstutz American Pacific Mortgage Leon Baker Academy Mortgage Co. Rick Berardino Guaranteed Rate Ben Anderson LendUS, LLC dba RPM Mortgage Mark Baker SWBC Mortgage Rob Berg LendUS, LLC dba RPM Mortgage Blair Anderson Guild Mortgage Company Pamela Baker On Q Financial Kara Berglund HomeStreet Bank Chad Anderson loanDepot Trey Baker Guild Mortgage Company Kyle Bergquist Guild Mortgage Company Gregg Anderson loanDepot John Baldino HomeBridge Financial Services Laurent Berman EagleBank Jeff Anderson Guild Mortgage Company Jeffrey Baldwin Movement Mortgage Julie Berndt SWBC Mortgage Michele Anderson HomeStreet Bank Joyce Ballmann PrimeLending Scott Berngartt Caliber Home Loans Rodney Anderson Supreme Lending Martin Baltz Guild Mortgage Company Dave Berryman Chemical Bank Tracy Andreini Opes Advisors, A Division of Flagstar Bank Michal Bander Guaranteed Rate Stephen Betterton PrimeLending Craig Andriulli Bond Street Mortgage Shant Banosian Guaranteed Rate Michael Bettineski Guild Mortgage Company Robert Andromalos Residential Mortgage Services Craig Barber Fairway Independent Mortgage Scott D Beyer PrimeLending Benjamin Andrus On Q Financial Elise Bare Residential Mortgage Services Judy Bickell HomeStreet Bank Jason Andrzejewski Prosperity Home Mortgage Peter Barnes LendUS, LLC dba RPM Mortgage Joseph Bigelman John Adams Mortgage Jeffrey Angelucci Guaranteed Rate Tyler Barnett NFM Lending Todd Binkley Gateway Mortgage Group Michael Aning American Pacific Mortgage Anthony Michael Baronci Network Capital Michael Bischof Guaranteed Rate
2018 • MORTGAGE EXECUTIVE 49 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Shaun Bittick Summit Funding Bryan Brown Guaranteed Rate Steve Campbell loanDepot James Michael Black Wintrust Mortgage Clay Brown Guild Mortgage Company Rosella Campion loanDepot Jim Blackburn Guaranteed Rate Craig Stuart Brown Skyline Home Loans Monette Meliza Campos HomeStreet Bank Alicia Blackwood Summit Funding Kevin Johnathan Brown Bay Equity Home Loans Tony Campuzano HomeBridge Financial Services, Inc. Joshua Blair Family First Funding LLC Michael Brown Churchill Mortgage Robert Camras SWBC Mortgage Frank Blakeley Bay Equity Home Loans Steve Brown Guild Mortgage Company Scott Cannel PrimeLending Jason Elliot Blatt Wintrust Mortgage Stuart Brown Guild Mortgage Company PhillipCannon Guaranteed Rate Brent Blaustein Summit Funding Kelly Brown-Hagler HomeStreet Bank Adam Canter loanDepot Alexander Blunt PrimeLending Jared Browning Citywide Home Loans Kenyon Cantino Citywide Home Loans Michelle Bobart Guaranteed Rate Jonathan Bruch HomeStreet Bank Chad Cantrell Certainty Home Loans Brad Boden A and N Mortgage Services Dustin Brumley Caliber Home Loans Amy Cardenas Guild Mortgage Company Debbie Bodwell Residential Mortgage Services Michelle Bruto da Costa HomeBridge Financial Services Andrew Richard Cardina Residential Mortgage Services Drew Boland Guaranteed Rate Eric Bryce Guaranteed Rate Tony Cardinali loanDepot Heather Bomar Cornerstone Home Lending Inc Linda Buchanan Caliber Home Loans Anthony Carillo Finance of America Mortgage Scott Bonora loanDepot Brandon L Buchardt PrimeLending Paul Carini Primary Residential Mortgage Justin Bonura NJ Lenders Corp. Ryan Buckholdt Opes Advisors, A Division of Flagstar Bank John Carnahan Bay Equity Home Loans Phil Boos Opes Advisors, A Division of Flagstar Bank Jennifer Buckholz CMG Financial Scott J Caroselli PrimeLending Anne Borghesani First Home Mortgage Mason Buckles Caliber Home Loans Stephen Matthew Carpitella Equity Prime Mortgage Michael Borodinsky Caliber Home Loans Robert Buehler Guaranteed Rate Matt Carr Guaranteed Rate Brad Boswell Supreme Lending Augustus Bukowski Bay Equity Home Loans Richard C Carrie PrimeLending Neil Bourdelaise First Home Mortgage Beata Bukowski Fairway Independent Mortgage Mark Carroll HomeStreet Bank Michael Bovaird NJ Lenders Corp. Ryan Bundy Guild Mortgage Company Richard Carroll Finance of America Mortgage Stephen Bowdon HomeStreet Bank Eric Burba Guaranteed Rate Brian Carson Certainty Home Loans Michael Bowen Guild Mortgage Company Victor Burek Churchill Mortgage Dawn Carter Directors Mortgage Michael Bowen Academy Mortgage Co. Jerad Burke Financial 200 DBA Mountain West Financial Michael Carvajal Equity Prime Mortgage Austin Bowman Caliber Home Loans Joe Burke Guaranteed Rate Mark Casamassina NJ Lenders Corp. Bob Bowman loanDepot Kim Burke LeaderOne Financial Corp. Justin Casares New American Funding Lori Bowman Homeowners Financial Group Brett Burns Directors Mortgage Brian Case Guild Mortgage Company Monica Bowman Academy Mortgage Co. Jaquel M Burns PrimeLending Shea Case Skyline Home Loans Robin Bowman Trident Mortgage Company Marcus Burnstine HomeBridge Financial Services, Inc. Debbie Cash Certainty Home Loans Gary Boyer Directors Mortgage Josh Burruss MVB Mortgage Phyllis Casillas On Q Financial Cindy Bradley Wallick & Volk Andy Burton Waterstone Mortgage Bob Casper Opes Advisors, A Division of Flagstar Bank Erin Bradley Fairway Independent Mortgage Carese Busby Caliber Home Loans Angelo Nickolas Castello Network Capital Mark Bragaw McLean Mortgage Michael Bush Residential Mortgage Services Michelle Castle Guild Mortgage Company Simon Brais Movement Mortgage Michael Butcher Fairway Independent Mortgage Heyward Cathcart Guild Mortgage Company Glen Alan Bralley McLean Mortgage Ed Butler Movement Mortgage Lysa Catlin Caliber Home Loans Ian Brannon NOVA Home Loans Steve Byers Citywide Home Loans Jim Cauduro Supreme Lending Roger Brasil Guaranteed Rate Erick Byrd LendUS, LLC dba RPM Mortgage Anthony Cavallo William Raveis Mortgage Shimmy Braun Guaranteed Rate Jesse Byrer HomeBridge Financial Services Jesse Caveney American Pacific Mortgage Gavin Brayce Guild Mortgage Company Melissa Caci Residential Mortgage Services Gianni Cerretani HomeBridge Financial Services, Inc. Cameron Breed SWBC Mortgage Dave Caldwell Guaranteed Rate Michael Certo Fairway Independent Mortgage Brian L Brent PrimeLending Pamela Caldwell Certainty Home Loans Nathan Chabolla Guaranteed Rate Rosa Briggs American Pacific Mortgage Todd Call McLean Mortgage Michael Chabot Guaranteed Rate Kelli Broadbent SWBC Mortgage Joe Caltabiano bemortgage Joseph Chacko C2 Financial Corporation Ari Brody Fairway Independent Mortgage Kathleen Calumet A and N Mortgage Services Amarpreet Chadha SecurityNational Mortgage Jorden Brok loanDepot Brian Calvo Guild Mortgage Company Myron H Chamberlain PrimeLending Nerses Bronsozian PrimeLending Michelle Camacho Academy Mortgage Co. Luke Chamberlin NJ Lenders Corp. Matthew S Brothers PrimeLending Brian Campbell Supreme Lending Carleton Chambers Prosperity Home Mortgage Arthur Brown Fairway Independent Mortgage Charles Campbell Primary Residential Mortgage Troy Chambers LendUS, LLC dba RPM Mortgage Becky Brown New American Funding Elena Elizabeth Campbell Residential Mortgage Services Aaron Chapman SecurityNational Mortgage
50 MORTGAGE EXECUTIVE • 2 0 1 8 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Dan Chapman Fairway Independent Mortgage Shane Cook PrimeLending Allison Davis George Mason Mortgage, LLC Dan Chapman HomeBridge Financial Services, Inc. Bob Cooley Guild Mortgage Company Anthony Davis Movement Mortgage Scott Chapman PrimeLending Jamie Cooley Fairway Independent Mortgage Christopher Davis Guaranteed Rate Mark Charlton Academy Mortgage Co. Allen Coombs Bay Equity Home Loans Erica Davis Guild Mortgage Company John Chavez V.I.P. Mortgage, Inc. Ray Cope Fairway Independent Mortgage Kris Davis Guild Mortgage Company Ben Chenault Fairway Independent Mortgage Eric T Corbett PrimeLending Lawrence Davis PrimeLending Ken Cheung HomeBridge Financial Services, Inc. John Cornish Perl Mortgage Mark Davis Caliber Home Loans Joel Childress Home Point Financial Manuel Corral GEM Mortgage Matthew Davis Caliber Home Loans Karen Chiu New American Funding JD Cortese Guaranteed Rate Monica Davis Guild Mortgage Company Charles William Christensen American Pacific Mortgage John Cortissoz SWBC Mortgage Nancy Davis Supreme Lending Petros Christophilis HomeStreet Bank Debbie Cote loanDepot Phil Davis Residential Mortgage Services Joseph Cipollo LendUS, LLC dba Regency Mortgage Stephen Coupe Directors Mortgage Sandy Davis NJ Lenders Corp. Ian Clardy Trident Mortgage Company Travis Coursey Guild Mortgage Company Scott Davis McLean Mortgage Carol Clark Guild Mortgage Company Beth Courtney MVB Mortgage Tera Davis Academy Mortgage Co. Chris Clark MVB Mortgage Marta Couturier Chemical Bank Shane Day LeaderOne Financial Corp. Darin Clark Chemical Bank Greg Cowart NFM Lending Francisco De Guzman loanDepot Diane T Clark PrimeLending Joe Coy New American Funding Gregory De Mars PrimeLending Paula Clark loanDepot Vince Coyle MVB Mortgage Molly Dean LeaderOne Financial Corp. Yvette Clermont Inlanta Mortgage Todd Craig NOVA Home Loans Brian Decker loanDepot Sally Clinch HomeStreet Bank Jeff Crain Guaranteed Rate Michael Deery Citywide Financial Corp. Wendee Close American Pacific Mortgage Kristin Lee Crane American Pacific Mortgage Dustin Dehart NOVA Home Loans Stacey Cobb Supreme Lending Stuart Crawford V.I.P. Mortgage, Inc. Jesse DeJacimo Waterstone Mortgage Mike Coble Premier Nationwide Lending Kim Crea NOVA Home Loans Michael Del Preto Fairway Independent Mortgage Jonathan Coccia loanDepot Sharon Crockett PrimeLending Stephen Delagrange Guaranteed Rate Chad Cockerell Guild Mortgage Company Lynlea Cronin Prosperity Home Mortgage Alfonso Delgadillo Point Mortgage Rachelle Coffey Homeowners Financial Group Dianne Crosby Guaranteed Rate Danny Delgado Guaranteed Rate Daniel Coggins Fairway Independent Mortgage Robert Crosby First Choice Loan Services Steve Dellario Caliber Home Loans Mickey Cogliandro Guaranteed Rate Daniel Crosley PrimeLending Angela Demaris PrimeLending Ben Cohen Guaranteed Rate Amy M Crowell PrimeLending Kyla DeMarzio Guaranteed Rate Brad Cohen Capital Bank Kelly Crowther loanDepot Christopher DeMatteis Equity Prime Mortgage Brian Scott Cohen Wells Fargo Home Mortgage Brad Cullipher Bridgeview Bank Mortgage Marc Demetriou Residential Home Funding Wes Cohen Network Funding Kara Currey Guild Mortgage Company Buzz Dempsey V.I.P. Mortgage, Inc. Aaron Coker LendUS, LLC dba RPM Mortgage Ed Currie Associated Bank Nancy DeNicola loanDepot Michael Colagrossi Bay Equity Home Loans Chad Curtin NRL Mortgage Nancy Dennehy HomeStreet Bank Carlo Colantonio CMG Financial Robert Curtis Wintrust Mortgage Michael Denslow HomeStreet Bank David Colarchik Supreme Lending David Cusano HomeStreet Bank Aaron Denton Summit Funding, Inc. Kim Cole Fairway Independent Mortgage Brian Cushing Guild Mortgage Company Frank B Denton PrimeLending Matthew Cole Guaranteed Rate Gregory Cutt Guaranteed Rate Christine DePaepe Guaranteed Rate Amber Coleman SecurityNational Mortgage Casey Cutter Homeowners Financial Group Ryan Deschryver HomeStreet Bank Jarret Coleman United Bank Carey Ann Cyr CMG Financial Herb Devine Fairway Independent Mortgage Rebecca Coley On Q Financial Adam Dahill loanDepot Matt Devine Fairway Independent Mortgage Matthew M Colimore PrimeLending Christian Dahlin Academy Mortgage Co. Heather Devoto First Home Mortgage Jim Collins LendUS, LLC dba Regency Mortgage Glen Daignault Movement Mortgage Brian Dewald Fairway Independent Mortgage Carlos Coloma Caliber Home Loans Ryan Dailey Prosperity Home Mortgage Fernando Diaz HomeBridge Financial Services, Inc. Jeff Compton Guild Mortgage Company Colton Daines Opes Advisors, A Division of Flagstar Bank Travis Harley Dick Network Capital Bob Comstock Supreme Lending Todd Dalton HomeStreet Bank Jonathan DiClementi Guaranteed Rate Paul Concannon Wells Fargo Home Mortgage Jeremy Daugherty Guild Mortgage Company Frankie Difrancesco Apex Home Loans John Conklin Fairway Independent Mortgage Bryan Davenport Gateway Mortgage Group Thomas Digan loanDepot Frances Conte Caliber Home Loans Edwin Davidian Skyline Home Loans Richard Dillman Caliber Home Loans Ann Contreras First Choice Loan Services Khalisa Davies Caliber Home Loans Brenda Dintino New American Funding
2018 • MORTGAGE EXECUTIVE 51 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Jeff Divack Intercoastal Mortgage Company Chad Erling Primary Residential Mortgage Lindsay R Fortner PrimeLending David Divecchio CMG Financial Randy Ernst Guaranteed Rate Sara Foster Movement Mortgage Lorena Dixon Citywide Home Loans Alfonso C Esposito PrimeLending Todd Fowlks Academy Mortgage Co. Donnie Dodson Ruoff Home Mortgage Ian Essary Academy Mortgage Co. Ben Fox George Mason Mortgage, LLC Sean Donahue Supreme Lending Brad Evans Summit Funding Christopher Fox Prosperity Home Mortgage Tamika Donahue Residential Mortgage Services Daniel Evans Movement Mortgage Justin Frady Guaranteed Rate Fidel Dorado Golden Empire Mortgage, Inc. Zabe Mortgage Group Derek Evans First Home Mortgage Cindy Fraioli Guild Mortgage Company Chris Dorin RCN Capital Derek Evans Fairway Independent Mortgage Drew Frampton American Pacific Mortgage Matt Dorsey Certainty Home Loans Jason Evans loanDepot Nicole Francis LendUS, LLC dba RPM Mortgage Kelly Dover LendUS, LLC dba American Eagle Mortgage Scott Evans LeaderOne Financial Corp. Jeremy Franco SecurityNational Mortgage Betty Downing Chemical Bank Bradford Evered Caliber Home Loans David Frankel Guaranteed Rate John Downs Caliber Home Loans Mark Everts Caliber Home Loans Jamie Franz Guaranteed Rate Dan Doyle loanDepot Christina Ewing Perl Mortgage Eugene S Frazier PrimeLending Chad Drachenberg Guaranteed Rate Justin Exner Fairway Independent Mortgage Alison Freed loanDepot Douglas B Dreiman PrimeLending Bartley F. Eyler Bay Equity Home Loans Cheryl Freeman MVB Mortgage Chris Drexler New American Funding Adam Eyre PrimeLending Adam Friedlander loanDepot James Driscoll Equity Prime Mortgage Bill Ezell NOVA Home Loans Mitch Friedman Citywide Home Loans Ivan Duarte Caliber Home Loans Ramez Fahmy Caliber Home Loans Mary Frink Summit Funding, Inc. Dana Edward Dukelow Wintrust Mortgage Jennifer Fairfield Guaranteed Rate Sean Fritts McLean Mortgage Karen Dulmage First Home Mortgage Mathan Fairweather Point Mortgage Aaron Fritz Academy Mortgage Co. Joe Dunn George Mason Mortgage, LLC Matthew Falconer American Pacific Mortgage Gino Fronti Skyline Home Loans Michael Dunn Guild Mortgage Company Michael Farrell First Home Mortgage Diane Fry Fairway Independent Mortgage Michael Dunsky Draper and Kramer Mortgage Corp. Jindra Faulkner Bay Equity Home Loans Lea Frye George Mason Mortgage, LLC Jason Dupree Home Point Financial Bob Faust Draper and Kramer Mortgage Corp. Tom Fullen Trident Mortgage Company Jeremy Durkin Trident Mortgage Company Trey Fava Fairway Independent Mortgage Janet Fuller Guild Mortgage Company Chris Duskin Guild Mortgage Company Chris Fenoglio Finance of America Mortgage Peyton Fullerton Fairway Independent Mortgage Steven Dykeman Perl Mortgage Aisling Ferguson American Pacific Mortgage Brandon Funk American Pacific Mortgage Blake Eagal Summit Funding, Inc. Mark Ferguson MVB Mortgage John Gabaldon Academy Mortgage Co. Ryan Eberhardt Diamond Residential Mortgage Ray Ferguson Bay Equity Home Loans Ari Gagne Summit Funding, Inc. Brian Eddy VanDyk Mortgage Corporation Rudy Ferrante Residential Mortgage Services Greg Gale NOVA Home Loans Sandy Edelstein HomeBridge Financial Services, Inc. Matt Ferrigno RCN Capital Mike Gallagher Opes Advisors, A Division of Flagstar Bank Mona Edick Bay Equity Home Loans Savvas Fetfatsidis Guaranteed Rate Chris Gallo NJ Lenders Corp. Amie Edmondson HomeBridge Financial Services, Inc. Melissa Figueroa Guild Mortgage Company Javier Galvan Finance of America Mortgage Daniel Eguiguren Caliber Home Loans Charadie Finkle Academy Mortgage Co. Marsha Gandy Guaranteed Rate Maxwell Ehrlich HomeStreet Bank Jennifer Fiore Guild Mortgage Company Kristy Gannon loanDepot Jody Eichenblatt Prosperity Home Mortgage David Fiorello Supreme Lending Philip Ganz Fairway Independent Mortgage Gavin Ekstrom Citywide Home Loans Matty FitzGerald MVB Mortgage Matt Garcia Supreme Lending William Elerding HomeStreet Bank Steve Fitzpatrick Prosperity Home Mortgage Silverio Garcia GEM Mortgage Wally Elibiary Fairway Independent Mortgage Carol Flanagan Guild Mortgage Company Kelly Gardner American Pacific Mortgage Deann Ellis Element Funding, division of Primary Residential Mortgage Lisa Fleck Summit Funding, Inc. Frank Garramone Fairway Independent Mortgage Jennifer Ellison LendUS, LLC dba RPM Mortgage Scott Fleming PrimeLending Alejandro Garza Finance of America Mortgage Richard Elmendorf Caliber Home Loans Carolyn Flitcroft First Home Mortgage Adrian Gastelum NOVA Home Loans Todd Emerson Albrecht Guaranteed Rate Jane Floyd NFM Lending Bryant Gatz Fairway Independent Mortgage Christian Emmel HomeBridge Financial Services, Inc. Cory Flynn Guild Mortgage Company Donald Gay Fairway Independent Mortgage Eric Engel Caliber Home Loans Loretta Flynn McLean Mortgage Michael Gayda II PrimeLending Michael Engelking NOVA Home Loans Robert Flynn William Raveis Mortgage Umar Gebril Academy Mortgage Co. Scott Enger PrimeLending Francesco Foggia Guaranteed Rate Lana Geraghty On Q Financial Heather Enochs New American Funding Michael Fooshee First Choice Loan Services Grant Gerhard Summit Funding, Inc. David Epstein Primary Residential Mortgage Casey Forester Home Point Financial Thomas Gessner Academy Mortgage Co. Ron Erdmann Guaranteed Rate Michael Fornerette Guild Mortgage Company Fif Ghobadian American Pacific Mortgage
52 MORTGAGE EXECUTIVE • 2 0 1 8 90 DAY JUMPSTART TO MORTGAGE SUCCESS CONGRATULATIONS to our Loan Originators who made the Top 1% rankings!
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Brian Pintar Jessica Uphoff Shane Staples Branch Manager, Colorado Branch Manager, Colorado Loan Originator, Arizona
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NAME COMPANY NAME COMPANY NAME COMPANY Gerald Giannelli Caliber Home Loans Becca Green Guild Mortgage Company Nina Harrison Supreme Lending Dom Giannone Perl Mortgage Brett Green Guild Mortgage Company Paul Harsanyi EagleBank Matt Gibbons Guaranteed Rate Stephanie Green LendUS, LLC dba RPM Mortgage Scott Harshman Citywide Home Loans David Gibbs loanDepot Traci Green Wallick & Volk Jeff Hart Supreme Lending Melissa Gibson New American Funding Serena Greening HomeStreet Bank Mike Hartunian HomeBridge Financial Services, Inc. Sallye Gibson SWBC Mortgage Corporation Andy Greenstein Guaranteed Rate Jon Hasebi Citywide Home Loans Shayla Gifford Guild Mortgage Company Jane Gregg Wallick & Volk Tonja Hathaway Guild Mortgage Company Marylee Gilchrist Citywide Home Loans Elliott Gregory Golden Empire Mortgage, Inc. David Hatlen HomeStreet Bank Jennifer Gile LeaderOne Financial Corp. Larry Greiner Residential Mortgage Services Jeff Hatz Guild Mortgage Company Jason Robert Gill Home Point Financial Jason Griesser Guaranteed Rate Jonathan Haug Prosperity Home Mortgage Kyle Gillespie Guaranteed Rate Zachary Paul Griffin American Pacific Mortgage Vikki Haven Guild Mortgage Company Ryan Gilliam Waterstone Mortgage Brandi Gross Premier Nationwide Lending Matt Hawkes Network Funding, LP Scott Gilman HomeBridge Financial Services, Inc. Erik Gross Premier Nationwide Lending Cara Hawkins Guild Mortgage Company Greg Giokas Residential Mortgage Services Steve Grossman NJ Lenders Corp. Jeffrey Hawks Guild Mortgage Company Dan Gjeldum Guaranteed Rate John Grosso William Raveis Mortgage Adam Hebener NOVA Home Loans Arleyne Glasser loanDepot Ruby Grynberg American Pacific Mortgage Richard Hedman HomeStreet Bank Eric Glick Certainty Home Loans Tony Guaraldi Opes Advisors, A Division of Flagstar Bank Terry Heffner Guild Mortgage Company Jeff Glick New American Funding Christopher Andrew Guevara Network Capital Laurence Heisler Movement Mortgage Adam Glovitz Supreme Lending Lisa Gustafson loanDepot Faith Helm Guild Mortgage Company Lindsey Goins Movement Mortgage Michelle Guth American Pacific Mortgage Kevin Helm Guild Mortgage Company Jay Goldberg New American Funding Tania Guzman New American Funding Matthew Helton Caliber Home Loans Daniel Golden HomeStreet Bank Todd Gydesen Guild Mortgage Company Yvonne Hemmingsen American Pacific Mortgage Jon A. Goldman Wintrust Mortgage Norbert Gyorfi LeaderOne Financial Corp. Michele Hendershot HomeBridge Financial Services, Inc. Manny Gomes Guaranteed Rate Chawki M Hage PrimeLending Dennis Henderson Caliber Home Loans Adolfo Javier EagleBank Jeffrey Halbert First Home Mortgage Brandon Hendrick V.I.P. Mortgage, Inc. Armando Gonzalez Fairway Independent Mortgage Alana Hallaert Academy Mortgage Co. Sean Hennessey Embrace Home Loans Chris Gonzalez Supreme Lending Ryan Halldorson V.I.P. Mortgage, Inc. Jose Hernandez Wallick & Volk Rene Gonzalez Supreme Lending Chris Hallows Wallick & Volk Sean Herrero LendUS, LLC dba RPM Mortgage Greg Goodman SWBC Mortgage Jonathan William Hallstead Bay Equity Home Loans Nick Heth Guaranteed Rate Tricia Goodwin George Mason Mortgage, LLC Fay Hamadanchy PrimeLending Kathryn Hickey Caliber Home Loans Aaron Gordon Guild Mortgage Company Jawad Hamandi MVB Mortgage Matt Hickman Academy Mortgage Co. Vicki Gordon LendUS, LLC dba Regency Mortgage Eric Hamilton Guaranteed Rate Ashley Hickmon Fairway Independent Mortgage Danny Gore loanDepot Fred Hamud Guild Mortgage Company Brent Hicks First Choice Loan Services Walter Gorman NJ Lenders Corp. Mark Hanna Directors Mortgage Timothy B Hidell Jr PrimeLending Ron Gosewisch Trident Mortgage Company Rebecca Hansen Guild Mortgage Company Danielle Hifko Movement Mortgage Edmond Gosselin Guaranteed Rate Rex Hansen Academy Mortgage Co. Jason Hill HomeStreet Bank Jason Gosser Guild Mortgage Company Matthew Hanson MegaStar Financial Gail Hillman Waterstone Mortgage Sean Goudreau Guaranteed Rate Ron Hanson Guild Mortgage Company Chaz Hinz Wintrust Mortgage Dana Gounaris Trident Mortgage Company Keith Hapenney Leader Bank Alicia Hoare Opes Advisors, A Division of Flagstar Bank Justin Grable New American Funding Jason Hardy Supreme Lending Dawn Hoback Chemical Bank Corey Grace Guaranteed Rate Kristi Hardy Atlantic Coast Mortgage, LLC Tyrell Hobbs Academy Mortgage Co. John Grad Guaranteed Rate Michael C Hardy V.I.P. Mortgage, Inc. Karl Hoeferlin Fairway Independent Mortgage Michael Graff Prosperity Home Mortgage Erik Hargrave PrimeLending Lorri Hoffman Movement Mortgage Kristin Graham Supreme Lending Andrew Harkins Movement Mortgage Ryan Holford CMG Financial Ken Grant Guild Mortgage Company Barbara Harkins Trident Mortgage Company Patrick Holland Embrace Home Loans Ryan Grant Fairway Independent Mortgage Brandi Harkleroad Caliber Home Loans Rick Holmes SWBC Mortgage Brooks Grasso Fulton Mortgage Sergio Haros Finance of America Mortgage Rich Holsman Bay Equity Home Loans Matthew Gratalo HomeBridge Financial Services, Inc. Anselon R Harrington PrimeLending Jason Holter Premier Nationwide Lending Jennifer Gray CMG Financial Matt Harris Academy Mortgage Co. Thomas Holyfield Guild Mortgage Company Milo Grecian GEM Mortgage Regina Harris Caliber Home Loans David Hosterman Castle and Cooke Mortgage
2018 • MORTGAGE EXECUTIVE 55 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Jeremy A House PrimeLending Jeff Jordan NOVA Home Loans Darren Kidder First Choice Loan Services William Howard HomeStreet Bank Andy Jorgensen Guild Mortgage Company Shane Kidwell Fairway Independent Mortgage Julie M Howell PrimeLending Michael Joseph Prosperity Home Mortgage Risha Kilaru Guaranteed Rate Cindy Howeth Citywide Home Loans John Joyce American Pacific Mortgage Jenny Kim Larsen George Mason Mortgage, LLC David Humbert Guaranteed Rate Jim Juergens Certainty Home Loans Melinda Kim Mccaslin Guild Mortgage Company John Hunter Guaranteed Rate Mark Junod On Q Financial Kenneth Kimmons Skyline Home Loans Walter Hunter Fairway Independent Mortgage Nick L Jurun Wintrust Mortgage Andrea Kindley Fairway Independent Mortgage Peter Hurwitz loanDepot Thomas Jussila Finance of America Mortgage David King SWBC Mortgage Dan Huss New American Funding Larry Justice McLean Mortgage John King Summit Funding, Inc. Shawn Huss Chemical Bank Renu Jutla Bridgeview Bank Mortgage Gregory Kingsbury Caliber Home Loans Chris Hutchens Guaranteed Rate James Kabellis Skyline Home Loans John Kinzer George Mason Mortgage, LLC Phuong Huynh HomeStreet Bank Bashir Kadi Caliber Home Loans Jonathan Kirk Home Point Financial Sammy Iliopoulos Guaranteed Rate Amit Kaim George Mason Mortgage, LLC Scott Kirkland American Pacific Mortgage Hans Illingworth Caliber Home Loans Matt Kaiser V.I.P. Mortgage, Inc. Trish Kirsch Guild Mortgage Company Elizabeth Hoeffer Irvine Guild Mortgage Company George Joseph Kaiser III Wintrust Mortgage Jeff Klein Opes Advisors, A Division of Flagstar Bank Janine Iuliano Bay Equity Home Loans Michael Kalai American Pacific Mortgage Mark Klein Skyline Home Loans Jacques Jacobson Home Point Financial John Kalin loanDepot Brandon Knapp LendUS, LLC dba RPM Mortgage Phoebe Jaeckels Caliber Home Loans Dan Kaminski Summit Funding, Inc. Lindsey Kneupper On Q Financial Alexander Jaffe First Home Mortgage Dave Kammerer Summit Funding, Inc. Rolanda Knight Fairway Independent Mortgage David Jaffe On Q Financial Patricia A Kanuha PrimeLending Jason M Knobbe PrimeLending Dawn James On Q Financial Indu Kapoor Guaranteed Rate Michael Knopf Guaranteed Rate Nikki James Opes Advisors, A Division of Flagstar Bank William J Katakis PrimeLending Sean Knudsen Guaranteed Rate April Janas Bay Equity Home Loans Stepahnie Kates Perl Mortgage, Inc Otto Kobler Summit Funding, Inc. Timothy Jarboe Caliber Home Loans Bradley Katzen Prosperity Home Mortgage Chris Kobz Summit Funding, Inc. Jim Jefferson Guaranteed Rate Michelle J Kaufmann PrimeLending Dennis Kochanek Residential Mortgage Services Joshua Jelsing C2 Financial Corporation Ann Kavadas-Flaherty First Home Mortgage Richmond Kodua American Pacific Mortgage Joe Jensen Fairway Independent Mortgage Kory Kavanewsky CMG Financial Ellen Kohagura C2 Financial Corporation (DBA Napa Valley Lending) Nathan Jensen Waterstone Mortgage John Kay Wallick & Volk Frank Kolb III William Raveis Mortgage Thomas Jessop Guaranteed Rate Matthew Keane Guaranteed Rate Jake Kolen Trident Mortgage Company Indy Johar Draper and Kramer Mortgage Corp. Baret Kechian loanDepot Brendan Kolesar Home Point Financial Ben Johnson Supreme Lending Christopher Keelin Family First Funding LLC Ashley Koon Supreme Lending Bob Johnson Wallick & Volk Mary Keene Academy Mortgage Co. Michael Koran Primary Residential Mortgage Christian Johnson Caliber Home Loans Andrea Keith Supreme Lending Kevin Kostoff NOVA Home Loans Craig Johnson New American Funding Sara Keller Guild Mortgage Company Wendy M Kotowske PrimeLending Jeff Johnson loanDepot Eric Kellner Fairway Independent Mortgage George T. Koutsos CrossCountry Mortgage Jeremy Johnson McLean Mortgage Brooke Kelly loanDepot Jake Krabbe Academy Mortgage Co. John Johnson Guaranteed Rate Brooks Kelly HomeBridge Financial Services, Inc. Lucy Kranker Caliber Home Loans Julie Johnson Guild Mortgage Company Justin Kelly VanDyk Mortgage Corporation Curtis Michael Kravitz Bay Equity Home Loans Leah Johnson MegaStar Financial Corp. Tim Kelly Highlands Residential Mortgage Allyson Kreycik Guaranteed Rate Mark Johnson HomeBridge Financial Services, Inc. Scott Kelsey loanDepot Jasmine Krnjetin Waterstone Mortgage Matt Johnson Umpqua Bank Brian Kempf George Mason Mortgage, LLC Chad Krober Academy Mortgage Co. Sean Johnson Movement Mortgage Kevin Kennedy LendUS, LLC dba RPM Mortgage Jim Kroll loanDepot Damon Johnston Academy Mortgage Co. Linda Kennedy LendUS, LLC dba American Eagle Mortgage Kristen Krushinsky Skyline Home Loans Chris Jones Waterstone Mortgage Brian Kerby Academy Mortgage Co. Thomas Kuehl Guaranteed Rate Heather Jones Homeowners Financial Group CJ Kerls Guaranteed Rate Ron Kuhn Summit Funding, Inc. Joshua Jones loanDepot Paiman Kermani Movement Mortgage Eric Kulbe Guild Mortgage Company Julie Jones Caliber Home Loans Elvis Eric Keshishyan Skyline Home Loans Yauvan Kumar loanDepot Mark Jones Academy Mortgage Co. Randall Key Churchill Mortgage Karla Kyte Guild Mortgage Company Michael Jones V.I.P. Mortgage, Inc. Claudette Khachatourian HomeBridge Financial Services, Inc. Mark Labouchardiere Triumph Lending, A Division of Network Funding, LP Mike Jones Fairway Independent Mortgage Chris Khachig Eskandarian Skyline Home Loans Russell Laing Vista Lending/ A Division of Network Funding, LP
56 MORTGAGE EXECUTIVE • 2 0 1 8 NEXTTHE GENERATION MORTGAGE PLANNER
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NAME COMPANY NAME COMPANY NAME COMPANY Rachel Lake Fairway Independent Mortgage Peter James Lindquist Wintrust Mortgage Tomas Maly Academy Mortgage Co. Jonathan Lamkin Guaranteed Rate Connie Lindsay Caliber Home Loans Ronald Mammano Primary Residential Mortgage Austin Lampson On Q Financial Nathaniel Lindsey Wells Fargo Home Mortgage Dominic Mancini Guaranteed Rate Jennifer Landgraff Caliber Home Loans Michael A. LiPari Bond Street Mortgage Michael Mann Fairway Independent Mortgage A.J. Lane LendUS, LLC dba Regency Mortgage Randy Lipp Certainty Home Loans Brian Manning Guild Mortgage Company Christina Lane Movement Mortgage Mark Little Directors Mortgage Daen Manriquez VanDyk Mortgage Corporation Janice Lanning Prosperity Home Mortgage Martin Llanos American Pacific Mortgage Mark Manthei Summit Funding, Inc. Zach Larichiuta loanDepot Dusty Lloyd New American Funding Franco Manueli Sierra Pacific Mortgage Daniel Larios Guaranteed Rate Garrett Locklear Movement Mortgage Hunter Marckwardt LendUS, LLC dba RPM Mortgage Austin Larr Fairway Independent Mortgage Richard E Logan Jr PrimeLending Deborah Marcoux Movement Mortgage Andy Larsen LeaderOne Financial Corp. Shelly Logemann LendUS, LLC dba RPM Mortgage Alex Margulis Perl Mortgage Broch Lassig Citywide Home Loans Sean Logue Trident Mortgage Company Fernando Marquez George Mason Mortgage, LLC Gregory Lavallee Guaranteed Rate Diego Londono Caliber Home Loans Andrew Marquis Guaranteed Rate Tom Lavallee Guaranteed Rate Julie Long Commonwealth Mortgage LLC Jason A Marschall PrimeLending Robyn LaVassaur Summit Funding, Inc. Kevin Long CMG Financial Suzanne Martindale Guild Mortgage Company Chris Lawler NOVA Home Loans Christina Longo Trethewey Guaranteed Rate Jennifer Martinez Guaranteed Rate Molly Lawson Supreme Lending Justin Lopatin Perl Mortgage Kent Martinson On Q Financial An Le PrimeLending Allison Lord Caliber Home Loans Andy Mason NOVA Home Loans Hung Le Movement Mortgage Brett Lotsoff loanDepot Heather Mason Carter New American Funding Nga Le Caliber Home Loans Chad Loube George Mason Mortgage, LLC Joseph Massey Castle and Cooke Mortgage Josh Leary loanDepot Alvaro Loureiro Homeowners Financial Group John Massimino Caliber Home Loans Amanda B Leboeuf PrimeLending Daniel Lourenco Caliber Home Loans Jason Martin Mata American Pacific Mortgage Chris Ledwidge New American Funding Tobie Love South Pacific Financial Lisa Mathews Gateway Mortgage Group James Lee On Q Financial Bryan Lovern Prosperity Home Mortgage Johan Matus Bay Equity Home Loans Jun Lee C2 Financial Corporation Tim Lowry Trident Mortgage Company Matthew Matz Trident Mortgage Company Kitty Lee loanDepot Alex Luboff Prosperity Home Mortgage Stephanie Maulding Guild Mortgage Company Michael Lee Trident Mortgage Company Christin Luckman Guaranteed Rate Tyrone Maxie Academy Mortgage Co. Wendy Lee Capital Bank Wendy Ludlow-Hoffman HomeStreet Bank Lauren Maxwell LendUS, LLC dba American Eagle Mortgage Elaine Leech Caliber Home Loans Andrew Lunenfeld EagleBank Ryan Maxwell HomeStreet Bank Jacob Leenders Guild Mortgage Company Anthony Lupescu Fifth Third Bank Joseph Mazzo Summit Funding Benjamin Lemon Citywide Home Loans Jo-Anne Lupo Wallick & Volk Daniel Mazzocco On Q Financial Craig Lemp Guild Mortgage Company Ron Luttrull Guild Mortgage Company Joseph McBreen bemortgage Brad Lengle Guild Mortgage Company Jill Lyons CMG Financial Amanda Mccall PrimeLending Chris Leon NOVA Home Loans Jonathan Lyons Chemical Bank Amanda McCandless Premier Nationwide Lending Ubaldo V. Leon III LendUS, LLC dba RPM Mortgage Johnathan Mack American Pacific Mortgage Robin McCauley Caliber Home Loans Misty Leonard Guild Mortgage Company Reginald Maddox McLean Mortgage Sonia McClellin On Q Financial Ben Lerner Opes Advisors, A Division of Flagstar Bank Alfredo Madrid Supreme Lending Kurt McCloud loanDepot David Lesjak Security First Financial, div. of Primary Residential Mortgage Christine Madrid-Wynecoop Caliber Home Loans Penny McClure American Pacific Mortgage Deborah Levy EagleBank Debbie Maggert Guild Mortgage Company Noel McCord Opes Advisors, A Division of Flagstar Bank Robert Levy HomeStreet Bank Nicholas Maglio HomeStreet Bank Sharon Mccormick PrimeLending Mark Lewin Caliber Home Loans Chris Magnotta Guild Mortgage Company Daniel McCoy MVB Mortgage Beth Lewis Perl Mortgage Gaurav Mahajan Draper and Kramer Mortgage Corp. Cameron McCully HomeStreet Bank Donna Lewis LendUS, LLC dba RPM Mortgage Michael Maier Guild Mortgage Company Graham Mcdaniel PrimeLending Jason Lewis Supreme Lending Steven Maizes Guaranteed Rate Phyllis Mcdaniel PrimeLending Tammi Lewis First Home Mortgage Brian Makris Residential Mortgage Services Matthew McDevitt Guaranteed Rate Cricket Libby-Gregorich Caliber Home Loans Ted Malkhasian Guaranteed Rate Meggan McDonald Supreme Lending Jonathan Libman Residential Mortgage Services Shelley Malkin Perl Mortgage Evan McDonough Family Mortgage Team David Licciardi First Home Mortgage Diane Malley loanDepot Della McDowell On Q Financial Matt Liddicoat NOVA Home Loans Lyndi Mallory Guaranteed Rate Scott McFadden Fairway Independent Mortgage Brian Liebman PrimeLending Matt Maltese Supreme Lending Trevor McFarland Residential Mortgage Services
58 MORTGAGE EXECUTIVE • 2 0 1 8 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Janene McGowan HomeBridge Financial Services, Inc. Heather Milspaugh Finance of America Mortgage Michelle Muqtadir Caliber Home Loans John McGrath Primary Residential Mortgage Jeff Miltenberger Guild Mortgage Company Kyle Murata CMG Financial Gerard Mcguinness PrimeLending Pete Mingham Guild Mortgage Company Michael Murgatroy Guaranteed Rate Barbara McHenry Fairway Independent Mortgag Christopher Minjarez CMG Financial Hudson J Murphy Wintrust Mortgage Kellian McIlwrath Prosperity Home Mortgage Nick Mink Guaranteed Rate Jacqueline Murphy Caliber Home Loans Leon McKean Academy Mortgage Co. Brian Minkow HomeBridge Financial Services, Inc. Kelly Murphy Citywide Home Loans Ashley Mckenzie Fairway Independent Mortgage Linda Mister Highlands Residential Mortgage Seamus Murphy Guild Mortgage Company Brian Joseph McKim Skyline Home Loans Benjamin Mitas loanDepot William Murphy Fairway Independent Mortgage Petya McLaughlin HomeStreet Bank Colleen Mitchell HomeBridge Financial Services, Inc. John Murray Mortgage Financial Tom McMurray Guaranteed Rate Timothy Mittl Atlantic Home Loans Michael Murray Guaranteed Rate Michael McNamara A and N Mortgage Services Stacy Mizzell Guild Mortgage Company Ross Murray HomeBridge Financial Services, Inc. Eric McNamee HomeStreet Bank Michelle Mobrand PrimeLending Eric Murrietta Homeowners Financial Group Connor McNulty Movement Mortgage Per Moerkeseth HomeStreet Bank Anthony Musante PNC Bank Caroline McPherson Perl Mortgage, Inc Mike Molina Citywide Home Loans Anthony Muscarella Advisors Mortgage Group Mark Meader Perl Mortgage, Inc Michelle Mollura LendUS, LLC dba RPM Mortgage Brian R Musket American Pacific Mortgage Dana Meadows Movement Mortgage Denise Montgomery Finance of America Mortgage Shane Musselwhite Guild Mortgage Company Chris Meagher First Community Mortgage Andrew Monticone Leader Bank Gina Myers Intercoastal Mortgage Company Ryan Mecum Guaranteed Rate Jorge Montoya Guild Mortgage Company Michael Nadeau First Home Mortgage Melissa Medved Caliber Home Loans Joshua Moody First Choice Loan Services Molly Nadeau Peterson Waterstone Mortgage Molly Meeker Bay Equity Home Loans Adam Moore Academy Mortgage Co. Scott Nadler loanDepot Michael Meena Augusta Financial Inc. Alan Moore Guild Mortgage Company Joseph Nalls Prosperity Home Mortgage Fredrik Megerdichian Skyline Home Loans Brian Moore Fairway Independent Mortgage Julie Nash loanDepot Daniel Meier HomeStreet Bank Douglas Moore First Choice Loan Services Russell Nash George Mason Mortgage, LLC Bob Melone Radius Financial Group Inc. Erin K Moore PrimeLending Omar John Nassar Trident Mortgage Company Doug Mendenhall Finance of America Mortgage Jolene Moore Intercoastal Mortgage Company Joshua Nawrot Northern Mortgage Services Cara Mengali Guild Mortgage Company Laurie Moore Fairway Independent Mortgage Mark Neely CMG Financial Frank Menjivar loanDepot Susan Moore Certainty Home Loans Kimberley Negron HomeBridge Financial Services, Inc. Michael Mento Prosperity Home Mortgage Lacey Moores PrimeLending Kimberly Nehiley Supreme Lending Blaise Menzoni Finance of America Mortgage Bill Moorman Guaranteed Rate Hajir Nejati Bay Equity Home Loans Laura Merrifield Guild Mortgage Company James Moran First Home Mortgage Brandy Nelms Guild Mortgage Company JoAnn Merrill Finance of America Mortgage Aaron Morgan Academy Mortgage Co. Mary C Nelson-Orcutt PrimeLending Meghan Merrill LendUS, LLC dba Regency Mortgage Jeff Morgan Academy Mortgage James Nesbit Academy Mortgage Co. Kathy Mertens Pickett Guild Mortgage Company Jesse Morgan HomeStreet Bank Scott Neumann Fairway Independent Mortgage Jolene Messmer Caliber Home Loans Ryan Morgan Mortgage Corp East Salvatore Nevigato HomeStreet Bank Mike Metz Guaranteed Rate Stephanie K Morgan PrimeLending Joe M New PrimeLending Carey Meushaw Atlantic Coast Mortgage, LLC Lisa Moriello loanDepot Travis Newton Academy Mortgage Co. Jennifer Micklos Movement Mortgage Janet Morley NOVA Home Loans Linda Nguyen Guaranteed Rate Mark Mieczkowski Guaranteed Rate Michael Morneault HomeStreet Bank Phil Nguyen George Mason Mortgage, LLC Rick Mikel Guaranteed Rate Robert Morris Academy Mortgage Co. Thanh Loan Nguyen HomeStreet Bank Dietrich Miklautsch LendUS, LLC dba RPM Mortgage Joe Moschella Guaranteed Rate Lisamarie Nicholas PrimeLending Ben Milam Guaranteed Rate Daniel Moschetti loanDepot Brian Nichols Fairway Independent Mortgage Ricky Miles Supreme Lending Salvatore Moschitta Caliber Home Loans Carl Nielsen loanDepot Pamela Miller Fairway Independent Mortgage Brandon Moss Fairway Independent Mortgage Mike Nielsen Guaranteed Rate Phillip Miller SWBC Mortgage Bill Mott Opes Advisors, A Division of Flagstar Bank Karen Nielson Guild Mortgage Company Richard Miller PrimeLending Jake Mott Academy Mortgage Co. Kent Nielson V.I.P. Mortgage, Inc. Richard Miller Caliber Home Loans Rebecca Mott Guaranteed Rate Aaron Ninness New American Funding Joshua Miller On Q Financial Sonnet Mouritsen Guild Mortgage Company Paula Nirschl Guild Mortgage Company Shawn Miller VanDyk Mortgage Corporation Denee Mueller Prosperity Home Mortgage Trevor Nissen Guild Mortgage Company Eric Miller Finance of America Mortgage Shirley Mueller First Choice Loan Services Curt Nix loanDepot Michelle Milliron V.I.P. Mortgage, Inc. Greg Mullan George Mason Mortgage, LLC Steph Noble Guild Mortgage Company
2018 • MORTGAGE EXECUTIVE 59 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY John Noldan Guaranteed Rate Brent Palmer HomeStreet Bank Kevin Warren Phillips Bay Equity Home Loans Christopher Nooney First Choice Loan Services Joe Palopoli Supreme Lending Michaela Phillips Guaranteed Rate Grant Norris LendUS, LLC dba RPM Mortgage Dean Paone Caliber Home Loans Sandra Lynn Phillips Wintrust Mortgage Barbara Norwitz Trident Mortgage Company Konstantina Papantoniou CrossCountry Mortgage Michelle Piccinini New American Funding John Nuebel Fairway Independent Mortgage Ryan Paquin First Home Mortgage Sarah Pichardo George Mason Mortgage, LLC James Nuesslein Bridgeview Bank Mortgage Phana Par loanDepot Mondie Pic'l Fairway Independent Mortgage Cyndi Nunez Guild Mortgage Company Matthew Paradis Guaranteed Rate Michael Picore Bay Equity Home Loans Todd Nunis Supreme Lending Gustavo Pared NFM Lending Ryan Pierce A and N Mortgage Services Robby Oakes Corporate Investors Mortgage Graham Parham Highlands Residential Mortgage Gary Pierpont First Home Mortgage Scott Obermeyer Fairway Independent Mortgage Joe Parisi Guaranteed Rate Greta Pierpont Academy Mortgage Co. Alicia O'Brien Prosperity Home Mortgage Brian W Parker PrimeLending Tony Pigatti Wintrust Mortgage Pat O'Connell V.I.P. Mortgage, Inc. Ryan Parker Bay Equity Home Loans Jason Pike Academy Mortgage Co. Robert O'Connell First Home Mortgage Jeffrey Parks LendUS, LLC dba RPM Mortgage Jeff Pilon Radius Financial Group Inc. Michelle Oddo NOVA Home Loans Rick Parrish Guaranteed Rate Brian Pintar NFM Lending Teresa O'Dette LendUS, LLC dba RPM Mortgage Angela Parrish-Boggs Caliber Home Loans Rose Pinto HomeBridge Financial Services, Inc. Jonathan O'Donnell Perl Mortgage, Inc Jonathan Pass LendUS, LLC dba RPM Mortgage Mehdi Pirzadeh EagleBank Peter O'Donnell First Home Mortgage Vincent Patrick HomeStreet Bank Patrick S Pittman PrimeLending Rusty O'Dowd Guaranteed Rate Joseph Pattee Guild Mortgage Company Chris Planto SWBC Mortgage Michael A Ognissanti PrimeLending David F Patton PrimeLending Ryan Plattner Fairway Independent Mortgage William Ogrady Movement Mortgage Bill Payne First Home Mortgage Brad Poe SWBC Mortgage Tom O'Hearn Fairway Independent Mortgage Trent Peaker MegaStar Financial David Polarek Guaranteed Rate Casey Oiness Guild Mortgage Company Daniel Peck Caliber Home Loans Derrick Polder Summit Funding, Inc. Stephen Oka C2 Financial Corporation Dawn Peck Guild Mortgage Company Rocco Policare Caliber Home Loans Kelle Okazaki Academy Mortgage Co. Todd Pede First Home Mortgage Joe Polizzi LendUS, LLC dba RPM Mortgage Tom O'Keefe Prosperity Home Mortgage Kathryn Pedersen Bay Equity Home Loans James Pollard Academy Mortgage Co. Jonathan Okun Prosperity Home Mortgage Anthony Pellegrino Prosperity Home Mortgage Colleen Polson loanDepot Justin Oliver NOVA Home Loans Michelle Pellum LendUS, LLC dba American Eagle Mortgage Michael Pond Guaranteed Rate Tony Olmert First Home Mortgage Jared Penn Citywide Home Loans David K Ponder PrimeLending Travis Olson Directors Mortgage Dave Pennington LendUS, LLC dba RPM Mortgage James Edward Pope Wintrust Mortgage David Opsahl HomeStreet Bank Tucker Pentz HomeStreet Bank Rocio Portella Paramount Residential Mortgage Group Oren Orkin Guaranteed Rate Tony Peplinski Guild Mortgage Company Tim Potempa Fairway Independent Mortgage Deb O'Rourke loanDepot Daniel Perez New American Funding Shawn Potter George Mason Mortgage, LLC Stacy Orozco Primary Residential Mortgage Evelyn Perez First Home Mortgage Kenton Powell Guild Mortgage Company Jesse Ortiz NOVA Home Loans Charley Perry SWBC Mortgage Edward Powers Guild Mortgage Company Jason Osenton loanDepot David Perry Academy Mortgage Co. Ashley Pratt SWBC Mortgage Wayne Ostrander First Choice Loan Services Doug Perry Wallick & Volk Alexa Price Caliber Home Loans Jason Oswald Academy Mortgage Co. Justin Perry loanDepot Gloria Price PrimeLending Mike Ouverson LeaderOne Financial Corp. Christopher Pessy HomeStreet Bank Derek Prickett Supreme Lending Bradley Overlin Movement Mortgage Liz Peter LeaderOne Financial Corp. David Prince First Community Mortgage Jack Overy Caliber Home Loans John Peterman George Mason Mortgage, LLC Amy Procaccino Finance of America Mortgage Deborah Owen Guild Mortgage Company Brent Petersen American Pacific Mortgage Nicholas Prohaska HomeStreet Bank Dustin Owen Waterstone Mortgage Brandon Peterson Lake Area Mortgage John C. Prom HomeBridge Financial Services, Inc. Robert Owen Caliber Home Loans Daryn Jay Peterson Wintrust Mortgage Denise Prothe Guild Mortgage Company Cameron Owens loanDepot Vince Petrolle HomeBridge Financial Services, Inc. Sean Psaradelis American Pacific Mortgage Jason Ozment Supreme Lending Toby Petrucelli Opes Advisors, A Division of Flagstar Bank Alma Pulido HomeBridge Financial Services, Inc. Brian Page Guild Mortgage Company Don Petty Golden Empire Mortgage, Inc. dba Pacific Sunrise Mortgage James Pulsipher Bay Equity Home Loans Joe Pagliarulo Residential Mortgage Services Mark Pfeiffer HomeBridge Financial Services, Inc. Michael Puorro Caliber Home Loans Robert Painter New American Funding Thomas Phares First Choice Loan Services Rob Purvis V.I.P. Mortgage, Inc. Jeff Palermo CrossCountry Mortgage Michelle Phelps Bay Equity Home Loans John Pyne Intercoastal Mortgage Company Christopher Paliska New American Funding Brian Phillips Supreme Lending Jane Qian HomeBridge Financial Services, Inc.
60 MORTGAGE EXECUTIVE • 2 0 1 8 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Joshua Quibodeaux Caliber Home Loans Guy Rivera American Pacific Mortgage Robert Ryan HomeBridge Financial Services, Inc. Ed Quinby Bay Equity Home Loans Ryan Rivera Finance of America Mortgage Tom Rydberg Draper and Kramer Mortgage Corp. Kyndle Quinones Primary Residential Mortgage Sebastian Rivera MVB Mortgage Jodi Ryder C2 Financial Corporation (DBA Ryder Mortgage Group) Brian R. Jessen Guaranteed Rate Dean Rizzi Guaranteed Rate Jake Ryon First Home Mortgage Bill Rabold Waterstone Mortgage Meg Robb Guild Mortgage Company Daniel Sa NFM Lending Anthony Raby Residential Mortgage Services Michael Roberts City Creek Mortgage Corp. Omeed Salashoor HomeStreet Bank Mike Rafii Bay Equity Home Loans Mark Robertson Caliber Home Loans Bruce Salik HomeBridge Financial Services John Ragano SWBC Mortgage Padraic Robertson Certainty Home Loans Natalie Salins Movement Mortgage John Ragland Jr. Supreme Lending Brian J Robinson PrimeLending Brian Salomon loanDepot Ayaz Rahemanji First Home Mortgage Daniel Robinson HomeStreet Bank Suren Sampat Draper and Kramer Mortgage Corp. Steve Rammel LendUS, LLC dba RPM Mortgage Michelle Robinson Lake Area Mortgage Tim Samuels Fairway Independent Mortgage Josh Rapaport loanDepot Scott Robinson Gateway Mortgage Group Mike Sanchez Guaranteed Rate Lawrence Rappoport Wintrust Mortgage Nick Rocco Prosperity Home Mortgage Dixie Sanders HomeBridge Financial Services Mark A Raskin PrimeLending Bradley Roche Element Funding, division of Primary Residential Mortgage Stuart Sandor PrimeLending Bradley Rasof Guaranteed Rate Daniel Rock Guaranteed Rate George Sandoval American Pacific Mortgage Mary Ratchford HomeBridge Financial Services, Inc. Steve Rockefeller George Mason Mortgage, LLC Dominick Santalucia Fairway Independent Mortgage Lance Ray Guaranteed Rate Jess Rodas Academy Mortgage Co. Nicole Santizo Guaranteed Rate William Rayman Guaranteed Rate John G. Rodrigues Bay Equity Home Loans John Savastano First Home Mortgage Michael Razak Skyline Home Loans Camilo Rodriguez The Federal Savings Bank Salvatore Savastano First Home Mortgage Amanda Rea Guild Mortgage Company Christian Rodriguez Homeowners Financial Group Diedra Schaefer Primary Residential Mortgage Wisam Reda Caliber Home Loans Michael Rodriguez Platinum Capital Mortgage Chris Schaller Diamond Residential Mortgage Kathleen Redman Element Funding, division of Primary Residential Mortgage Ashlie Roe Citywide Home Loans Mark Schaller HomeStreet Bank Austin Reed Guaranteed Rate Dan Rogers Guaranteed Rate Joel Schaub Guaranteed Rate Jim Reed Summit Funding, Inc. Kyle Rohrbaugh LendUS, LLC dba RPM Mortgage Steve Schauer New American Funding Suzie Reed Supreme Lending Michael Romano Caliber Home Loans Dave Schell Guaranteed Rate Tom Reed MVB Mortgage Johnatan Romero Movement Mortgage Terry Schenck Prosperity Home Mortgage Brian Reeg HomeBridge Financial Services, Inc. Geoff Rooker Primary Residential Mortgage Shanon Schinkel HomeBridge Financial Services Michele Morse Reen American Pacific Mortgage Jason Rose NOVA Home Loans Andrew Schmidt Churchill Mortgage Todd Rego NOVA Home Loans Bruce Rosenberger First Home Mortgage Jeffery Schmidt Gateway Mortgage Group April Reichert Guild Mortgage Company Sam Rosenblatt Academy Mortgage Co. Sabrina Schmitt PrimeLending Matt Reid loanDepot George Rosenfield HomeStreet Bank Chris Schoenthal HomeBridge Financial Services Natalie Reid-Loudan PrimeLending Rob Ross MVB Mortgage Greg Scholl Prosperity Home Mortgage Alex Reilley Trident Mortgage Company Thomas Rosser Gateway Mortgage Group Douglas J Schueler PrimeLending Steven Reilly LendUS, LLC dba RPM Mortgage Gregory Roth Guild Mortgage Company Barry Schutt PrimeLending Timothy Reinhart First Home Mortgage Michael Roth Elevations Credit Union Barry Schwartz Perl Mortgage Jason Michael Renno Wintrust Mortgage Barbara Roubo MVB Mortgage Matt Schwartz Golden Empire Mortgage, Inc. dba Southlake Mortgage Keith Garrett Renno Wintrust Mortgage Nick Rowson LendUS, LLC dba RPM Mortgage Brian Sciutto Pure Mortgage Craig Rhodes Premier Nationwide Lending Rob Rud Diamond Residential Mortgage Corporation Evangeline Scott Finance of America Mortgage Matt Ribbeck UW Credit Union Robert Rudd McLean Mortgage Jason CScott Guaranteed Rate Katie Rice Guild Mortgage Company Kevin Rudrud LendUS, LLC dba RPM Mortgage Baxter Scruggs Guild Mortgage Company Jeffrey Richards First Home Mortgage Nicole Rueth Fairway Independent Mortgage Jason Sculos Guaranteed Rate Jay Richardson MVB Mortgage Patrick Ruffner Guaranteed Rate Christian Searle MVB Mortgage Joel Richardson PrimeLending Rene Ruiz Home Point Financial Arle Seaton HomeStreet Bank Ryan Richardson Guaranteed Rate Robert Rush Guild Mortgage Company Debra Secord Guild Mortgage Company Marie Richarz HomeBridge Financial Services, Inc. Pam Russakoff Trident Mortgage Company Al Sedighravesh Summit Funding, Inc. Rick Richter Guaranteed Rate Carmine Russo Guild Mortgage Company Stephen Seidler HomeBridge Financial Services Darren Rickwood First Home Mortgage Christopher Russo Home Point Financial Jonathan Semon Guaranteed Rate Dean Riddell SWBC Mortgage Miles Rusth Summit Mortgage Co. Jeffrey Senker Primary Residential Mortgage Kim Riddell LendUS, LLC dba Regency Mortgage Chris Ryan George Mason Mortgage, LLC Renee Serface Directors Mortgage Liliana Riquer Bay Equity Home Loans Liz Ryan Guaranteed Rate Jason Servais On Q Financial
2018 • MORTGAGE EXECUTIVE 61 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Amanda Sessa SWBC Mortgage Mary Jo Smith-Stewart CMG Financial Rex Ann Strecker Prosperity Home Mortgage Ray Severance Residential Mortgage Services Christy Solar Fairway Independent Mortgage Nick Street Mountain West Financial Sharbel Shamoon Perl Mortgage Marney Solle Opes Advisors, A Division of Flagstar Bank Lloyd Streisand loanDepot Patti Shaner HomeBridge Financial Services, Inc. Edward Solter Fairway Independent Mortgage Craig Strent Apex Home Loans Lisa Shapiro Fairway Independent Mortgage Kyra Sommerville Moore Waterstone Mortgage Linda Stroberg Guild Mortgage Company Sam Sharp Guaranteed Rate Jay Sondhi Guaranteed Rate Scott S Strouse PrimeLending Rachelle Shaw Guild Mortgage Company Tracie Southerland Opes Advisors, A Division of Flagstar Bank Leslie Struthers Guaranteed Rate Scott Shelton Academy Mortgage Co. Jerri Southorn American Pacific Mortgage Curt Stuck Chemical Bank Angela Sherer LeaderOne Financial Corp. Brady Spangler Axia Home Loans Kathy Stypula Bay Equity Home Loans Theresa Sheridan Guild Mortgage Company Melissa Sparks Golden Empire Mortgage, Inc. Michael Suffoletto Guaranteed Rate William Henry Sherill 3rd EagleBank Jason Spears Academy Mortgage Co. Casey Sullivan Summit Funding, Inc. Matt Shirley Fairway Independent Mortgage Tiffany Spell Movement Mortgage Jim Sullivan LendUS, LLC dba RPM Mortgage Gary Shue Movement Mortgage Kraig Spence Churchill Mortgage Theresa Sundance HomeStreet Bank Charles Shulman NJ Lenders Corp. Robert Spies Academy Mortgage Co. Jerry Sundt V.I.P. Mortgage, Inc. Debra Shultz Guaranteed Rate Dayle Sproul Citywide Home Loans Matthew Sura Gateway Mortgage Group Ryan Shultz New American Funding Drew Stacey Guaranteed Rate Bart Swan Certainty Home Loans Dustin Sidwell Academy Mortgage Co. Rose Stancato Residential Mortgage Services Stew Sweet LendUS, LLC dba RPM Mortgage Brandi Siefkas On Q Financial Dale Stanford Primary Residential Mortgage Amir Syed Perl Mortgage Christopher Siegfried HomeStreet Bank Michele Stanisch Guaranteed Rate Brendan Tabor Supreme Lending Holly Silas George Mason Mortgage, LLC Deian G Stankov PrimeLending Michael Tanionos Wells Fargo Home Mortgage Amanda Silber Movement Mortgage Shane Staples NFM Lending Russell Tanner PrimeLending Michael Silva Opes Advisors, A Division of Flagstar Bank Nichole Stearns Fairway Independent Mortgage Diana Tarzia PrimeLending Lindsay Simmons Caliber Home Loans Steve Stearns C2 Financial Corporation (DBA Thrive Financial) Trevor Tashlik Guaranteed Rate Preston Sims HomeBridge Financial Services, Inc. Jayson Stebbins Guild Mortgage Company MikeTavani Guaranteed Rate Devangad Singh Anand Network Capital Mark Stec Wintrust Mortgage Dwight Taylor George Mason Mortgage, LLC Shane Siniard SWBC Mortgage Lawrence Steele HomeStreet Bank Jill Taylor Gateway Mortgage Group Jeffrey Sirard First Choice Loan Services Michael Steele Gateway Mortgage Group Kelly Taylor FBC Mortgage Alisha Sirois Guild Mortgage Company Patricia Steele Caliber Home Loans Michael Taylor First Home Mortgage Steve Siwinski Draper and Kramer Mortgage Corp. Eric Steenstra Residential Mortgage Services Roy Taylor Draper and Kramer Mortgage Corp. Brian Skarg loanDepot John Stefan First Choice Loan Services Timothy Taylor HomeBridge Financial Services, Inc. Adam Slack Guaranteed Rate Jeremy Steffens Premier Nationwide Lending Allen Tayman Apex Home Loans David Slater Academy Mortgage Co. Mike Stein McLean Mortgage Christina Tedrick George Mason Mortgage, LLC Jeff Slater Draper and Kramer Mortgage Corp. Larry Steinway Guaranteed Rate Stephen Tetzner Homestar Mortgage Amy Slotnick Fairway Independent Mortgage Jeffrey Stempler HomeBridge Financial Services, Inc. Jenna Teyshak loanDepot Rob Slovin Guaranteed Rate Bruce Stephens Citywide Home Loans Louise Thaxton Fairway Independent Mortgage Joseph Small Guild Mortgage Company Laura Stevens Movement Mortgage Jo Ann Theriault-Fazio Guaranteed Rate Mike Smalley Waterstone Mortgage Brad Stevenson Prosperity Home Mortgage Brady Lee Thomas American Pacific Mortgage Glen Smart NOVA Home Loans Blane Stewart NFM Lending Brian Thomas Fairway Independent Mortgage Michelle Smekens Diamond Residential Mortgage Rhonda Stickney Guild Mortgage Company Chad E Thomas PrimeLending Cheryl Smith Fairway Independent Mortgage Jeffrey Stodghill Certainty Home Loans David Thomas Caliber Home Loans Chris Smith Trident Mortgage Company Adam Stoecker HomeStreet Bank John Thomas Primary Residential Mortgage Christopher Smith HomeBridge Financial Services, Inc. Hans Stone First Choice Loan Services Jose Thomas Network Capital Dwayne Smith George Mason Mortgage, LLC Patrick Storch The Mortgage Firm Lida Thomas Guild Mortgage Company Jason Smith NOVA Home Loans Sara Storey CMG Financial Newton Thomas Summit Funding, Inc. Jeff Smith Opes Advisors, A Division of Flagstar Bank Stephen Stork Summit Funding, Inc. Steve Thompson Gateway Mortgage Group Joseph Smith Guaranteed Rate Andrew Storteboom Fairway Independent Mortgage Bridget Thomsen loanDepot Joyce F Smith PrimeLending Mike Storti Prosperity Home Mortgage Jody Tiedeman HomeStreet Bank Nick Smith Citywide Home Loans Kari Story First Home Mortgage Matt Tierney Guaranteed Rate Ryan Smith Waterstone Mortgage Scott Story First Home Mortgage Michael Tietz C2 Financial Corporation Tim Smith Chemical Bank David Strassner First Home Mortgage Mary Tillery Guild Mortgage Company
62 MORTGAGE EXECUTIVE • 2 0 1 8 MORTGAGE ORIGINATORS TOP 1% In America 2017
NAME COMPANY NAME COMPANY NAME COMPANY Joseph Tishkoff Skyline Home Loans Dominic Villa Summit Funding, Inc. Brandy Whitmire HomeBridge Financial Services, Inc. Oleg Tkach Guild Mortgage Company Frank Virga Embrace Home Loans Paul Wickham Caliber Home Loans David Toaff First Home Mortgage Dean Vlamis Guaranteed Rate Travis Wicks Fairway Independent Mortgage Jon Tobias Fairway Independent Mortgage Neena Vlamis A and N Mortgage Services Deninne Wier loanDepot Pamela Todd MegaStar Financial Jay Vogel Residential Mortgage Services Jason Wiggins Finance of America Mortgage Silas Tolles Guild Mortgage Company Paul Volpe NOVA Home Loans Seth Wilcock NOVA Home Loans David Tomczak PrimeLending Jordan Vreeland Paramount Residential Mortgage Group Chad Wilhelm SWBC Mortgage Corporation Cindy Tomlinson American Pacific Mortgage David Wade PrimeLending Chris Wilhelm Gateway Mortgage Group Maureen Torretto loanDepot Jonathan Wagher Caliber Home Loans Deborah Williams HomeStreet Bank Cody Touchette Caliber Home Loans Andrew Wagner Caliber Home Loans Jeffrey Williamson Homeowners Financial Group Troy Toureau McLean Mortgage Beth Wakeley loanDepot Troy Williamson On Q Financial Mya Tran-Harter MVB Mortgage Jonathan Wald Primary Residential Mortgage Benjamin Wilson PrimeLending Sofia Travayiakis Mortgage Network Courtney Walker Fairway Independent Mortgage Brett Wilson Citywide Home Loans Teri Treadway Gateway Mortgage Group Greg Walker HomeBridge Financial Services, Inc. Brian Wilson Fairway Independent Mortgage Chad S Trease PrimeLending Richard Wallace Priority Financial LLC Jeffrey Wilson First Choice Loan Services Michael S. Trejo Bridgepoint Funding Mike Walsh Trident Mortgage Company Jerry Wilson Finance of America Mortgage Laura Tremaine Fairway Independent Mortgage Alicia Walters Caliber Home Loans Michael Wilson Residential Mortgage Services Stephen Tremaine PrimeLending Reid Waltzer First Choice Loan Services Andrea Wine McLean Mortgage Melinda Trent Residential Mortgage Services Jackie Wampler MVB Mortgage Carisa Winklepleck Homeowners Financial Group Tracy Denis Trudeau Skyline Home Loans William Ward loanDepot Robert Winston Caliber Home Loans Jonathan Trussell Guild Mortgage Company Christopher Washburn Caliber Home Loans Kimberly Winters Movement Mortgage Jason Tsang On Q Financial Robert Wasieko Academy Mortgage Co. Leslie Wish McLean Mortgage Kai Tubberville Fairway Independent Mortgage Tammy Wasserman Perl Mortgage Robert Wishnick Guaranteed Rate Derek Tubbs Fairway Independent Mortgage Don Waters Fairway Independent Mortgage Tammy Wittren Guild Mortgage Company Mike Tullio Guaranteed Rate Andy Watson Fairway Independent Mortgage Adam Witzburg Primary Residential Mortgage Justin Tulman Fairway Independent Mortgage Matt Weaver CrossCountry Mortgage Linda Wolfenson loanDepot Bill Turano loanDepot Jason Weber Fairway Independent Mortgage Dean Wong LendUS, LLC dba RPM Mortgage Sally Turek Trident Mortgage Company Stephanie Weeks Ace Mortgage David L Wood PrimeLending Robin Turney Academy Mortgage Co. Jeff Weems Skyline Home Loans Matt Wood Fairway Independent Mortgage Christine Turpen Academy Mortgage Co. Sabrina Wegley Guild Mortgage Company Brian Woolley HomeBridge Financial Services, Inc. Gabe Tuvek First Home Mortgage Dean Wegner HomeStreet Bank Brenda Worthen PrimeLending Jamie Tyndall loanDepot Eli Weinberger Perl Mortgage Mark Worthington PrimeLending Michael Ullmann Movement Mortgage Taylor Weiner Skyline Home Loans Michael Wright Summit Mortgage Gary Umholtz LendUS, LLC dba RPM Mortgage Stacia Weishaar HomeStreet Bank Jeffrey Wucinich Citywide Home Loans Scott Unger HomeStreet Bank John Weller MegaStar Financial Scott Wynn Citywide Home Loans Jessica Uphoff NFM Lending Sarah Welsh Prosperity Home Mortgage Rosalia Yang loanDepot Nicholas Vaccaro C2 Financial Corporation Kathy Wentworth Leader Bank Martin Yapur HomeBridge Financial Services Deanna Valeo Fairway Independent Mortgage Travis Wentworth Academy Mortgage Co. Martik Yeghishian Skyline Home Loans Curtis Van Solkema Chemical Bank Billi West Network Funding, LP Jon Yellon loanDepot Andrew Van Dyk William Raveis Mortgage Marc Western Citywide Home Loans Chong Yi Caliber Home Loans JeffVan Nostran Guaranteed Rate Joshua Westmark Academy Mortgage Co. Danielle Young Guaranteed Rate James Vann Caliber Home Loans Derek Wetzel On Q Financial David Young Academy Mortgage Co. Alexander J Varela PrimeLending Julie Whalen Guild Mortgage Company David Yurovchak loanDepot Barry Varshay HomeStreet Bank Russell Wheelwright SecurityNational Mortgage Andy Zemon Waterstone Mortgage Kathryn Vatsula loanDepot Mary Josepha Whelan Skyline Home Loans Paul Zgalich Guaranteed Rate Carson Vaughn Guild Mortgage Company Jay White Bay Equity Home Loans Julie Zielinski Waterstone Mortgage Julie Velasco SecurityNational Mortgage Ladelle White Guild Mortgage Company Ben Zitting Bay Equity Home Loans Steven Vella Bay Equity Home Loans Mark White Golden Empire Mortgage, Inc. Arlo Zoerner Summit Funding, Inc. Rob Veneziano Fairway Independent Mortgage Lynn Whitefall Supreme Lending Todd Zukowski HomeBridge Financial Services, Inc. James Vercellino First Choice Loan Services Mason Whitehead Churchill Mortgage Samantha Zumwalt Paramount Residential Mortgage Group John Verheyden Guild Mortgage Company 2018 • MORTGAGE EXECUTIVE 63 MASTERMIND 2018 MASTERMINDSUMMIT THE FASTEST WAY TO INCREASE MORTGAGE ORIGINATIONS GUARANTEED
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