MPAMAG.COM ISSUE 11.01
HOT 100 100 movers and shakers who are redefining America’s mortgage industry
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TH E R E ’ S A P L AC E FO R E NTRY LE V E L M O R TGAG E BA N K E R S . IT’S JUST NOT HERE . Calling all prime-time Producers. The best of the best. Those with the automatic clear-to-close reputations. Welcome to the next generation of mortgage bankers. Better tools. Better access. Better deals. “Doogie” Banker? Check back in a few.
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HOT 100 2 8 2018
Discover the 100 professionals who are turning up the heat, challenging the status quo and redefining the American mortgage industry
SPECIAL REPORT
HOT 100
COMING OUT of 2017, the mortgage industry is leaving behind a year that was one for the books. The year – filled with tragedies and victories, historical natural disasters and social shake-ups – disrupted industries of all shapes and sizes. Yet, the mortgage industry remains strong heading into 2018 – and that’s due in large part to the men and women on this year’s Hot 100 list. This annual list pulls together the mortgage professionals who stood above the crowd in the past year. From a pool of hundreds of nominations, MPA narrowed the list to these 100 movers and shakers. On the following pages, you’ll meet multimillion-dollar originators and digital revolutionaries who are changing the way Americans purchase homes. You’ll also meet several philanthropic leaders, including one who is making a real difference in the lives of veterans and their families. From industry tycoons to fresh new talent, the members of this year’s Hot 100 list are a true reflection of today’s evolving mortgage industry.
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SPECIAL REPORT
HOT 100 INDEX BY COMPANY
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COMPANY
NAME
PAGE
COMPANY
NAME
PAGE
Academy Mortgage Corporation
Umar Gebril
32
Fidelity Bank Mortgage
Jeff Zulauf
36
American Advisors Group
Reza Jahangiri
34
Finance of America Mortgage
Brandon Matyas
34
American Financial Resources
Bill Packer
30
FirstClose
Timothy R. Smith
8
AmeriFirst Home Mortgage
Perry Farella
16
FormFree
Brent Chandler
38
Angel Oak Mortgage Solutions
Tom Hutchens
25
Freddie Mac
Donald H. Layton
38
Applied Business Software
Jerry Delgado
8
Freddie Mac
Sean Becketti
33
Appraisal Nation
John Tedesco
18
Gateway Mortgage Group
Laurel Knight
8
Arcus Lending
Shashank Shekhar
25
Genworth US Mortgage Insurance
Rohit Gupta
12
bemortgage
Joe Caltabiano
17
Global Equity Finance Inc.
Dustin Rosenberg
33
bemortgage
Rob Sampson
26
Global Equity Finance Inc.
Roy Koldaro
38
Best Rate Referrals
Raymond Bartreau
26
Gold Star Mortgage Financial Group
AJ Franchi
8
Caliber Home Loans
Michael Borodinsky
16
Carrington Mortgage Services LLC
Greenbox Loans Inc.
Kevin J. DeLory
11
Raymond Eshaghian
24
Carrington Mortgage Services LLC
Rey Maninang
9
GSF Mortgage Corp
Chad Jampedro
30
Citadel Servicing Corporation
William Fisher
35
Guaranteed Rate
Ben Cohen
21
Citywide Financial Corporation
Michael Deery
28
Guaranteed Rate
Nikolaos Athanasiou
15
Class Appraisal
Alex Elezaj
5
Guaranteed Rate
Shant Banosian
24
ClosingCorp
Gerardo Caceres
7
Guaranteed Rate
Victor Ciardelli
26
Cloudvirga
Kyle Kamrooz
28
Inlanta Mortgage
Chad Gomoll
14
The Colorado Real Estate Finance Group Inc.
Adam P. Smith
3
Inlanta Mortgage
Yvette Clermont
31
Consumer Financial Protection Bureau
Mick Mulvaney
10
Knowledge Coop
Ken Perry
14
The Cooksey Team
Mike Cooksey
6
LBA Ware
Lori Brewer
36
Credit Plus Inc.
Michael Crockett
28
Lender Toolkit LLC
Brett Brumley
24
CrossCountry Mortgage Inc.
Nick Zannelli
10
Lenders One
Michael Kuentz
22
Docutech
Harry Gardner
6
LendUS
Julian Hebron
30
Eagle Home Mortgage
Erica Paradise
20
Level 3 Lending Inc.
Amy Holmes
22
Ellie Mae
Joe Tyrrell
38
Loan Factory
Thuan Nguyen
21
Ellie Mae
Jonathan Corr
37
Loan Simple Inc.
Jason Dozois
10
Encompass Lending Group
Paul Marsh
16
Lund Mortgage Team Inc.
Lisa Lund
32
Fairway Independent Mortgage Corporation
Steven Jacobson
36
Matchbox LLC
Frank Fiore
33
Fannie Mae
Jonathan Lawless
33
Matic
Benjamin Madick
14
Fannie Mae
Timothy J. Mayopoulos
4
Mid America Mortgage
Jeff Bode
12
FBC Mortgage
Jonathan Marcoline
34
The Money Source Inc.
Darius Mirshahzadeh
4
Federal Housing Finance Agency
Melvin L. Watt
36
Mortgage Atlanta
Brian Berman
18
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COMPANY
NAME
PAGE
Mortgage Bankers Association [MBA]
Ashley Gunn
26
Mortgage Bankers Association [MBA]
Jordan Bucher
24
Mortgages Unlimited Inc.
Marvin D. Chance Jr.
18
Mountain West Financial Inc.
John F. Cady
22
Mountain West Financial Inc.
Gary Martell Jr.
21
My Mortgage Moxie
Susan Oberbillig
32
Nationwide Appraisal Network [NAN]
Joni Pilgrim
25
New American Funding
Brenda Dintino
18
New American Funding
Rick Arvielo
23
New American Funding
Patty Arvielo
12
NOVA Home Loans
Jon Volpe
33
PRMG
John G. Stevens
21
ADAM P. SMITH
QuestSoft
Leonard Ryan
34
President
RCN Capital LLC
Erica LaCentra
29
Residential Home Funding Corporation
Marc Demetriou
20
Resitrader
John Ardy
11
Reverse Mortgage Funding
Joseph DeMarkey
11
ReverseVision
Wendy Peel
7
RML Investments
Regina Lowrie
32
Silver Fin Capital Group LLC
Richard Pisnoy
11
Silverton Mortgage Specialists Inc.
Dan Dadoun
20
Silverton Mortgage Specialists Inc.
Josh Moffitt
10
Simplifile
Nancy Alley
27
Simplifile
Vicki DiPasquale
25
Stearns Lending
Tony Taveekanjana
7
TRK Connection
Randy Abbey
6
United Northern Mortgage Bankers Ltd.
Mark S. Fisher
4
United Wholesale Mortgage
Sarah DeCiantis
8
US Department of Housing and Urban Development
Ben Carson
22
US Department of the Treasury
Steven Mnuchin
20
Waterstone Mortgage Corporation
Kerry Wirth
4
Waterstone Mortgage Corporation
Tom Knapp
16
Zipfel Mortgage Group
Tim O’Brien
28
THE COLORADO REAL ESTATE FINANCE GROUP
Adam Smith founded The Colorado Real Estate Finance Group, a commercial and residential real estate finance firm, in 2005. Throughout his career, Smith has helped thousands of clients, both individuals and corporations, reach their real estate finance goals and has personally written billions of dollars in mortgage and finance deals. In 2006 and 2007, Smith played an integral role in the Colorado mortgage licensing process, serving as a lobbyist and counsel at Business Affairs Committee hearings in the State House of Representatives. In addition to being a member of the Colorado Mortgage Lenders Association, the Colorado Association of Mortgage Brokers and the National Association of Mortgage Brokers, Smith was a founding charter member of the Rocky Mountain Association of Mortgage Brokers. He has been recognized numerous times for his contributions and success in the industry, and he has served on a multitude of boards and committees, including as president of the South Metro Denver Realtor Association and current chairman of the Realtor Political Action Committee. Smith has also served as an advisory board member for the Colorado Avalanche NHL team since 2014 and is a public affairs representative for the Employer Support of the Guard and Reserve with the United States Department of Defense. In 2012, Smith received the Englewood Chamber of Commerce Service Club Award for his work with Sertoma International. That same year, he was also nominated for the Leukemia and Lymphoma Society Man of Year Award and has served as a mentor for new candidates.
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SPECIAL REPORT
HOT 100 Chief operating officer
DARIUS MIRSHAHZADEH
WATERSTONE MORTGAGE CORPORATION
CEO
KERRY WIRTH Armed with more than two decades of mortgage industry experience, Kerry Wirth assumed the role of chief operating officer at Waterstone Mortgage in August 2017, where she is responsible for overseeing operations and company-wide initiatives. In her previous role as senior vice president for loan operations, Wirth successfully built strong support teams within the company and helped streamlined the loan process, contributing to Waterstone’s exceptional loan turnaround times. “Kerry has been an invaluable member of our executive team and has made significant contributions to our growth and success as a company,” says Waterstone Mortgage president and CEO Eric Egenhoefer. “We will be relying heavily on her to lead our most important projects, which include leveraging automation to improve the loan process for both our corporate and branch operations teams.” In addition to her duties as COO, Wirth is also member of a variety of committees within the company, including the risk and senior executive committees. She was one of MPA’s Elite Women for 2017, and she recently published an article entitled “Finding Top-Notch Leaders for Your Company” in Mortgage Women Magazine.
TIMOTHY J. MAYOPOULOS President and CEO FANNIE MAE
Bringing more than 25 years of experience to his role as president and CEO of Fannie Mae, Timothy Mayopoulos joined the company shortly after it was placed in conservatorship during the financial crisis, and he has played an integral role in its successful recovery in the years since. Mayopoulos is focused on sustaining Fannie Mae’s efforts to support the US mortgage market and on driving the company’s contributions to creating a better housing finance system. Under his guidance, Fannie Mae has continued to make strides toward transferring credit risk to private capital and furthering its commitment to serving customers and the market with solutions that promote sustainable homeownership.
THE MONEY SOURCE
As CEO of The Money Source, Darius Mirshahzadeh’s goal is to create a company that is not just a mortgage lender, but rather a business that focuses on the pursuit of “growing happiness.” He believes the key to this is something that’s often overlooked within the industry: fostering a company culture that highlights the importance of people, leadership and character development, ultimately leading to “rock-solid service” and the continuous thriving of the people and business. Mirshahzadeh’s vision has clearly paid off: The company’s latest Net Promoter Score was 78.5, a ranking that positions The Money Source alongside companies like Apple. Mirshahzadeh’s innovative approach to business has also been recognized with numerous national awards – the company has been listed as a Top Mortgage Employer and a Best Place to Work in the Bay Area, was a Stevie Award recipient and a Visionary Organization, and Mirshahzadeh himself has been named a Highest Rated CEO in the US. Mirshahzadeh is also the president of The Pink Unicorn Foundation, a nonprofit that directs The Money Source’s philanthropy. In 2016, the foundation donated more than $30,000 to various causes; last year, it supported relief efforts for natural disasters throughout the country.
MARK S. FISHER Mortgage loan originator UNITED NORTHERN MORTGAGE BANKERS
Since entering the mortgage business at the age of 23, Mark Fisher has consistently aimed for and experienced double-digit growth, setting a great example for the next generation of mortgage professionals. Fisher ended 2017 with an estimated $65 million in volume and has played a key role in United Northern’s marketing revamp over the past two years, which has given the company a more modern look and feel. Fisher has been recognized as one of MPA’s Young Guns and a top FHA originator nationally. Outside of his mortgage work, he heads Mount Vernon Animal Shelter’s annual Christmas at the Pound donation drive.
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ALEX ELEZAJ CEO CLASS APPRAISAL
Since taking the helm as CEO of Class Appraisal in 2014, Alex Elezaj has led the company to develop an amazing team culture, triple its revenue and establish partnerships with several of the nation’s top mortgage lenders. With more than 300 lender clients covering over 6,000 broker/retail offices throughout the country, Class Appraisal is recognized as one of the fastest-growing companies in the industry and is consistently ranked number one in overall performance and satisfaction by its clients.
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SPECIAL REPORT
HOT 100 MIKE COOKSEY
RANDY ABBEY
Founder
Chief technology officer
THE COOKSEY TEAM
TRK CONNECTION
Mike Cooksey is founder of The Cooksey Team, one of Mid America Mortgage’s most successful retail branches. Under his leadership, The Cooksey Team originated more than $212 million in 2016 and a projected $300 million in 2017, bolstering its year-over-year origination volume by nearly 50%. In addition, Cooksey increased his team’s footprint in the North Dallas area and opened a branch in the Los Angeles area to expand the company’s presence beyond Texas. In 16 years in the industry, Cooksey has originated nearly $1 billion in funded loans, giving him the expertise needed to coach his staff on the finer points of a successful mortgage transaction. His guiding principle has been to focus on team-building to fuel the branch’s origination growth, a strategy that has resulted in unquestionable success: The team’s loan officers average six closings per month, higher than the MBA’s reported industry average of 2.4 per month. The Cooksey Team was also named a Best Place to Work for 2017 by Dallas Business Journal. “Mike Cooksey’s commitment to mentorship and leadership is reflective of the entrepreneurial spirit and supportive environment that pervades Mid America Mortgage,” a colleague says. “His secret to success is simple – pay it forward. By enabling those around him to become more successful, he has fueled his own success and has built one of the most productive retail branches for the mortgage banking innovator.” In addition to his contributions to the mortgage industry, Cooksey’s philanthropic efforts include work with Habitat for Humanity, the Texas Sentinels Foundation, the American Red Cross and Carter Blood Drive.
As chief technology officer at TRK Connection, Randy Abbey serves as the primary architect of TRK’s flagship mortgage quality control audit platform, Insight Risk & Defect Management [RDM], which was launched in 2015. Leveraging nearly two decades of SaaS, cloud security and diverse solution development expertise, Abbey has built the mortgage industry’s first cloudbased QC audit platform that marries ease of use with advanced functionality and unmatched flexibility, allowing mortgage QC departments to mold the system around their current processes. Thanks to Abbey’s vision and technical expertise, lenders of all sizes now have the power to accelerate the QC review process through Insight RDM, enabling them to identify and remediate defects with speed and accuracy and ensure the highest levels of loan quality. Most recently, Abbey added a data subscriptions feature to Insight RDM to enable users to exchange files and results more easily with their third-party audit firm. Through this functionality, lenders and third-party audit firms can set up one-to-one subscriptions to automate and streamline the transfer of loan data and defect findings, eliminating the need to manually transmit loan files and then re-enter defect findings into their own system of record. Lenders can also subscribe to questions sets developed by third-party audit firms – a unique feature among current QC audit platforms – to ensure that they have the most current set of audit review questions covering state, federal, GSE and other agency requirements.
HARRY GARDNER Executive vice president of e-strategies DOCUTECH
Boasting more than 16 years of industry experience, Harry Gardner held a variety of leadership positions with some of the industry’s most well known organizations prior to joining Docutech. Today, he serves as Docutech’s executive vice president of e-strategies, assisting in the development of the company’s corporate and product strategy to proactively align with the digital transformation needs of the lending industry. Outside of Docutech, Gardner has served as vice president of industry technology for the Mortgage Bankers Association and has held various leadership roles at MISMO, including chair of its residential governance committee and a member of its board of directors.
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GERARDO CACERES Senior vice president, data operations and product management CLOSINGCORP
As senior vice president of data operations and product management for ClosingCorp, Gerardo Caceres is responsible for determining the overall strategic direction and tactical execution for all products, in addition to further enhancing the company’s data and information management strategy. Prior to joining ClosingCorp, Caceres was the senior vice president of service delivery and account management at RealEC Technologies/ Black Knight Financial Services, where he was responsible for driving relationship management and strategic initiatives with top-tier clients. Before joining Black Knight, Caceres held a series of executive positions at Bank of America, most recently as senior vice president of title strategy and National Title Platform [NTP], where he provided title and closing services to Bank of America home loan originations through the NTP, a managed network of title and closing providers.
WENDY PEEL Vice president of sales and marketing REVERSEVISION
Due in large part to the innovative efforts of Wendy Peel, the Home Equity Conversion Mortgage [HECM], previously beset with reputational issues and viewed as a fringe loan product, is finally going mainstream as part of ReverseVision’s Generational Lending approach to serving borrower needs across the consumer life cycle. Peel has firmly established ReverseVision as the HECM market’s most dynamic and leading origination platform. After launching the inaugural ReverseVision User Conference in 2016, Peel was integral in enhancing the program for 2017 to educate new-to-HECM originators on the basics of HECM lending, and to offer compelling compliance, data trends and technology training for seasoned HECM LOs. She also arranged for a standout presentation by noted mortgage industry expert Rob Chrisman, all of which contributed to the immense success of the event. Peel also developed a strategy of outreach and education to normalize HECM loans in the minds of both depository and mortgage bank lenders by emphasizing the commonalities between FHA-insured first-time homebuyer programs (designed for younger borrowers) and the FHA-insured HECM program (for older borrowers). Her efforts have resulted in a record number of new banks and mortgage lenders in the HECM industry. Today, ReverseVision’s flagship HECM origination system, RV Exchange, is used by nearly 10,000 active users and serves the top 10 HECM lenders, with more than 800 new lenders and brokers added last year alone. Through these and other strategic initiatives, Peel has succeeded in helping ReverseVision grow its lender base for the HECM market and realize a 30% increase in sales revenue in 2017. “This shift is about much more than increasing ReverseVision’s revenue stream,” she says. “It’s an important step in ensuring that everyone who originates HECM loans is invested in the long-term success of the industry and maintains a focus on due diligence, compliance and borrower education.”
TONY TAVEEKANJANA Executive vice president and national head of retail lending STEARNS LENDING
In early 2017, Stearns Lending appointed Tony Taveekanjana as its national head of retail lending. Prior to joining Stearns, Taveekanjana was divisional vice president at Movement Mortgage, where he was responsible for the growth and profitability of the company’s Western division. He led this division to extraordinary achievement, including increasing production volume by approximately 1,000% – from $2 billion to $12 billion – in under three years’ time. Now implementing his winning strategies at Stearns, Taveekanjana is focused on motivating his teams to achieve exponential growth and expand the company’s retail lending footprint. Previously, Taveekanjana served as divisional vice president at New Penn Financial and as senior vice president and head of mortgage in Florida at Fifth Third Bank, where he led his teams to quadruple their production volume and profitability in less than two years. He also spent time as a regional vice president at Bank of America/Countrywide, where he built highly successful operations in California, Illinois and Florida – all of which achieved number-one ranking in market share. Along with involvement in Big Brothers and the YMCA in his Tampa community, family is at the center of Taveekanjana’s life outside of work. “My dad was an immigrant who came to this country with only a dream,” he says. “I watched him work tirelessly as a laborer in the construction industry for more than 20 years. He made those sacrifices so I can create a new legacy for our family.”
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SPECIAL REPORT
HOT 100 TIMOTHY R. SMITH Co-founder, president and chief revenue officer FIRSTCLOSE
Boasting more than 18 years of executive-level experience in the mortgage origination and settlement services space, Tim Smith currently serves as president and chief revenue officer of FirstClose. Smith began his database career by assisting mortgage refinance lenders at Flood Zones Inc., which automated flood zone determination to financial institutions using geocoded FEMA flood maps. As Flood Zones’ vice president, Smith helped build a $10 million company before TransUnion acquired it in 1996. From there, he co-founded FirstClose with his brother, Tedd, with a vision to automate, improve efficiencies and accelerate the mortgage settlement process with innovative technology. Prior to entering the mortgage industry, Smith served for four years in the US Marine Corps.
AJ FRANCHI Chief operating officer GOLD STAR MORTGAGE FINANCIAL GROUP
SARAH DECIANTIS Chief marketing officer UNITED WHOLESALE MORTGAGE
Sarah DeCiantis was recently promoted to chief marketing officer at United Wholesale Mortgage [UWM] after serving as vice president of marketing for three years. DeCiantis has been the key driver behind UWM’s strategic approach to marketing, which has helped catapult the firm to become the number-one wholesale lender in America. She was responsible for building a 30-person marketing team and transforming it from sales support to a key driver of sales growth. DeCiantis continues to head the company’s marketing efforts with a unique approach, choosing to focus on growing the marketing and business capabilities of mortgage brokers. She took the initiative to enhance client service by introducing a marketing toolbox service, which gives brokers access to customizable videos, press release templates, social media images and radio scripts to facilitate awareness and growth campaigns. She also spearheaded UWM’s efforts to launch a new corporate website, which now grants mortgage professionals an all-access pass to the tools and resources – including home value reports, guideline Q&As, market trends, interest rate comparisons and industry news – they need on a daily basis.
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Charged with oversight of business efficiency and sustainable growth at Gold Star Mortgage Financial Group, AJ Franchi serves as chief operating officer of the Ann Arbor, Michigan-based firm. Franchi joined Gold Star in 2008; in 2009, he was named chief information officer, tasked with the development and administration of Gold Star’s IT Infrastructure. Within four years, he had been appointed director of retail operations and a board member. Gold Star’s industry-leading digital lending platform, ConnectGS, is an example of Franchi’s passion for applying cutting-edge technology to every aspect of the loan process. Long considered a thought leader in mortgage technology, Franchi provides consulting services from coast to coast. He has been previously recognized by MPA on the Hot 100 list in 2015 and Young Guns list 2014, among other industry accolades.
LAUREL KNIGHT
JERRY DELGADO
Branch manager
Founder and CEO
GATEWAY MORTGAGE GROUP
APPLIED BUSINESS SOFTWARE
In addition to being president-elect of the National Association of Professional Mortgage Women’s 2017-2018 board of directors, Laurel Knight is also branch manager at Gateway Mortgage Group in Everett, Washington.
Jerry Delgado is founder of Applied Business Software [ABS], which he started in 1978. ABS is the creator of The Mortgage Office, a global provider of software systems and solutions to the lending industry.
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REY MANINANG Senior vice president, head of national wholesale production CARRINGTON MORTGAGE SERVICES
As the SVP of Carrington Mortgage Services’ wholesale mortgage lending division, Rey Maninang oversees the company’s national wholesale channel. Under Maninang’s leadership, Carrington’s wholesale division has increased volume production by more than 200% in a two-year period and has successfully launched several strategic initiatives that have resulted in consistent profit increases. A proven mortgage lending executive with more than 24 years
of experience, Maninang has a solid background in tapping new markets, expanding pipelines, forging strong internal and external relationships, and maximizing the bottom line. His experience and insights are often sought by the media and leading mortgage organizations, and he is a frequent speaker at regional and national industry events on mortgage-related topics, including technology, underserved markets and economic trends. Prior to joining Carrington, Maninang served as SVP and head of lending for PMAC Lending Services, where he supervised the national wholesale, retail and correspondent channels. He also served as head of the Western US for Wells Fargo’s commercial medical finance division and is a proud veteran of the US Air Force.
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SPECIAL REPORT
HOT 100
JOSH MOFFITT Founder and president SILVERTON MORTGAGE SPECIALISTS
Under Josh Moffitt’s guidance, Silverton Mortgage Specialists has seen a 60% increase in revenues and stockholders’ equity in the last three years. Silverton Mortgage views itself as a communications company that happens to be really good at mortgages, and Moffitt has led the introduction of a video/recorded underwriting communication tool for loan approval. He also spearheaded a digital overhaul that included the launch of the company’s
mobile app and an upgraded website. Silverton Mortgage was recognized as a Best Place to Work in 2016 and 2017 by the Atlanta Business Chronicle and as a Top Workplace in 2016 by the Atlanta Journal-Constitution. In 2017, Moffitt launched and serves as the host of Home Radio, a talk show that helps buyers learn about the mortgage and home-buying experience in order to make better decisions. He also started the Silverton Foundation, a nonprofit that helps families with critically ill children maintain and keep their homes by offering mortgage, rent and short-term housing assistance while their children are hospitalized or receiving ongoing treatment. The foundation paid 188 months’ worth of mortgage and rent on behalf of these families in 2016 and 129 months’ worth in 2017, adding to a total of more than 40 years’ worth of payments since its launch in 2013. Outside of his responsibilities at Silverton Mortgage, Moffitt also serves as evening supervisor for the Zaban Night Shelter, one of the country’s only couples shelters, where he has volunteered for more than 18 years. He is also member of MBA’s Independent Mortgage Bankers Executive Council, on the board of the Mortgage Bankers Association of Georgia and the immediate past president of the Atlanta Mortgage Bankers Association.
MICK MULVANEY Acting director CONSUMER FINANCIAL PROTECTION BUREAU
In November 2017, President Trump appointed Mick Mulvaney as acting director of the Consumer Financial Protection Bureau, resulting in a dispute over Mulvaney’s selection under the Federal Vacancies Reform Act. In January, a federal judge denied an injunction to remove Mulvaney, leaving the man who has called the CFPB “an awful example of bureaucracy gone wrong” in charge of the consumer watchdog organization.
JASON DOZOIS CEO LOAN SIMPLE
More than two decades ago, Roland Dozois and his four sons signed the lease to the space that would become Loan Simple. Today, one of his sons, Jason Dozois leads the company as CEO. The Denver-based company’s philosophy of making the loan process simple and direct seems to be working: Loan Simple is now a direct lender in 26 states, offering hundreds of different loan programs that the company fully approves and closes in-house. Loan Simple also is committed to social responsibility, donating money from every loan closed to organizations like Water.org, Reading Is Fundamental, Feeding America and the World Wildlife Fund.
NICK ZANNELLI Senior loan officer and team lead CROSSCOUNTRY MORTGAGE
A loan officer at CrossCountry Mortgage, Nick Zannelli prides himself on integrity, taking a consultative approach to the home loan process by customizing financing solutions to help customers achieve their goals. “I believe a mortgage should be about building a relationship and helping my customers achieve their home financing goals, not just a transaction,” he says. “Many loan officers can get you a loan. My top priority is to get you the right loan.” In his 12 years as a loan officer, Zannelli has closed hundreds of loans and has developed extensive experience dealing with first-time homebuyers, conventional loans, MassHousing, jumbo, federal housing and veterans’ loans. In his spare time, Zannelli volunteers with the nonprofit organization Saint Rosalia of Boston.
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KEVIN DELORY Area vice president CARRINGTON MORTGAGE SERVICES
With nearly 20 years of sales experience under his belt, Kevin DeLory has an impeccable track record of delivering top-notch results. DeLory’s team-oriented approach to sales emphasizes a winning attitude and fosters an environment where accountability is king. That attitude has resulted in a team that consistently exceeds performance goals and expectations, and is experiencing almost 100% year-over-year growth. DeLory’s leadership has earned him not only the loyalty of his sales team, but also a promotion to area vice president of Carrington Mortgage Services’ mortgage lending division in May 2017. He is constantly seeking new challenges and is laser-focused on his own professional development, in addition to encouraging personal and professional growth among the members of his sales team. In October 2017, DeLory earned his Six Sigma Black Belt, solidifying him as a committed and knowledgeable leader.
RICHARD PISNOY Principal SILVER FIN CAPITAL GROUP
JOSEPH DEMARKEY Strategic business development leader REVERSE MORTGAGE FUNDING
A leader in the reverse mortgage space, Joseph DeMarkey is co-chair of the 2017-2018 board of directors at the National Reverse Mortgage Lenders Association. In 2014, DeMarkey was honored with the Jim Mahoney Distinguished Service Award, recognizing the time, effort and resources he has contributed to the reverse mortgage industry.
JOHN ARDY CEO RESITRADER
John Ardy is the co-founder and CEO of Resitrader, one of the mortgage industry’s first trading platforms to enable loan originators, banks, brokers and financial advisors to exchange loan data, documents and pricing information in order to buy and sell whole loans securely. Ardy has led Resitrader’s meteoric growth, taking the trading platform from zero loans in 2015 to more than $1 billion in loan transactions to date. In less than two years, approximately 100 financial institutions have joined the platform, including four of the top five commercial banks, as well as Fannie Mae and Freddie Mac. In 2017, Resitrader announced it would be providing its trading platform as a private-label product to members of The Mortgage Collaborative, the nation’s only independent mortgage cooperative. The company also began offering real-time pricing data to Mortech, a Zillow Group company. “Resitrader’s enormous success is the culmination of Mr. Ardy’s career, which has been dedicated to solving industry problems with innovative solutions in mortgage and real estate technology and secondary marketing,” an industry peer says. “The platform is dramatically improving the way whole loans are traded, taking the industry leaps forward from where it was just two years ago.” Prior to creating Resitrader, Ardy was a member of the executive management team at Equator, a leading provider of default servicing solutions for the mortgage industry.
In addition to being a productive loan originator in his own right, Richard Pisnoy has been instrumental in Silver Fin Capital’s continued success by creatively growing its large network of lenders and referral and lead sources, including developers, management companies and financial advisors. Pisnoy has been quoted as a mortgage expert in several print and online publications, including the New York Times and the Wall Street Journal. “We all know that the mortgage business is a difficult industry, and Richard exemplifies the hard work, superior client service and vast expertise needed to be successful in this industry today,” a colleague says. In addition to his work at Silver Fin Capital, Pisnoy remains active in his community through the Chad Strong Foundation and the Heroes to Heroes Foundation, a nonprofit organization that provides a spiritual healing, suicide prevention and peer support for veterans suffering from injury and PTSD. He was also appointed in 2017 to serve as a member of the Nassau County Police Department Foundation, which provides financial support to the analytic, operational and outreach components of the Nassau County Police Department.
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SPECIAL REPORT
HOT 100 PATTY ARVIELO President NEW AMERICAN FUNDING
In more than 35 years in the mortgage industry, Patty Arvielo has continually demonstrated her passion for making sure everyone has an equal opportunity to achieve the American dream. In 2016, she formed the New American Dream Initiative, which seeks to raise awareness and increase homeownership among African-American communities by building consumer confidence through home-buying education and accessibility to relevant home loans. In the same year, Arvielo collaborated with Freddie Mac to establish and launch a unique mortgage pilot program called Your Path, which extends affordable homeownership opportunities to a broader demographic of American borrowers via Freddie Mac’s low-down-payment Home Possible mortgages. Arvielo was just as busy in 2017. She created the Community Lending Division, which fosters nationwide partnerships with nonprofits and community banks to provide affordable loan programs and homebuyer education to consumers. In May, Arvielo announced her company’s commitment with the National Association of Hispanic Real Estate Professionals to increase Hispanic homeownership by lending $25 billion in new mortgages to Hispanic borrowers by 2024. In July, the CFPB appointed Arvielo to its Consumer Advisory Board, and in October, Arvielo hosted an event called “Ahead of the Curve,” which focused on discussing the millennial generation, technology, marketing and addressing the needs of LMI communities. On top of all of these accomplishments, Arvielo continues to manage nationwide operations and sales for New American Funding and still originates her own loans. She also sits on numerous committees and continues to pursue her passions of helping underserved markets achieve homeownership and mentoring women in the mortgage industry.
ROHIT GUPTA President and CEO GENWORTH US MORTGAGE INSURANCE
As the president and CEO of Genworth US Mortgage Insurance, Rohit Gupta works with lenders, regulators and policy leaders to advocate for the value of mortgage insurance to a sustainable housing finance system. Gupta has also served as chairman and remains a board member of the US Mortgage Insurers trade association, and serves on the boards of Genworth Mortgage Insurance Canada, the Genworth Foundation, the American Cancer Society Triangle Leadership Council and Pratham USA. Prior to being named CEO of Genworth’s US operations, Gupta was the company’s chief commercial officer and SVP of products, intelligence and strategy, as well as vice president of commercial operations. Gupta began his career with FedEx in strategic marketing, where he was responsible for competitive intelligence and market analysis to support FedEx senior management. He also served as a product manager at GE Capital, in addition to various other marketing and commercial roles.
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JEFF BODE Owner and CEO MID AMERICA MORTGAGE
Under Jeff Bode’s leadership, Mid America Mortgage has built a reputation as one of the industry’s foremost adopters of e-mortgage technology and digital mortgage processes. Most recently, the company launched Click n’ Close, a new digital mortgage approval and closing platform that provides homebuyers with a fast, simple and secure experience, getting them from application to closing within two weeks and putting keys in the buyer’s hand in 15 minutes or less. Mid America Mortgage has also entered into official partnership agreements to make Click n’ Close the official mortgage provider of NASCAR and a partner of Richard Petty Motorsports. Bode became owner of Mid America Mortgage in 1989 and was the first lender to develop an interface inside Calyx’s Point software to enable brokers to price, lock, underwrite and receive loan status through Point. In 2003, Bode sold the company’s assets to Aegis Mortgage and focused on developing Mortgage Machine Services, the loan origination system the company uses today. After re-entering the industry in 2007, Bode purchased Schmidt Mortgage Company in 2010, reorganized its operations and incorporated the loan production of another mortgage operating unit he previously managed, relaunching the company in December 2011 as Mid America Mortgage.
2017
WAS ANOTHER STELLAR YEAR
CONGRATULATIONS TO EVERYONE ON THE MPA HOT 100 LIST
VICTOR
NIK
CIARDELLI
ATHANASIOU
CEO
$19.2B
2017 CLOSED LOANS
COO
SHANT
BEN
BANOSIAN
$458M PRODUCER
COHEN
$271M PRODUCER
At Guaranteed Rate, we’re fortunate to have the best of the best in the mortgage industry on our team.
Our industry-leading platform can boost your business. Contact us today! James Elliott (310) 806-4604 James.Elliott@rate.com
Chris Knapp (773) 290-0372 Chris.Knapp@rate.com
Pat Bolan (469) 243-3505
AK, AZ, CA, HI, NM, OR, WA • NMLS ID #120474
IA, IL, IN, MN, MI, MO, TN, WI • NMLS ID #224395
KS, OK, TX • NMLS ID #120474
Julia Borst (801) 890-7660 Julia.Borst@rate.com
Jeff Nelson (773) 516-6456 Jeff.S.Nelson@rate.com
Denis St. Marie (440) 821-2225 Denis.Stmarie@rate.com
CO, ID, MT, ND, NE, NV, SD, UT, WY • NMLS ID #275440
AL, AR, FL, GA, LA, MS, NC, SC
KY, OH, PA, VA, WV
JOINGRNOW.COM
Pat.Bolan@rate.com
John Palmiotto (518) 469-2441 John.Palmiotto@rate.com CT, DC, DE, MA, MD, ME, NH, NJ, NY, RI, VT • NMLS ID #1459045
NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO 20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 14-1744-A • MT - Lic# 2611 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 • NC - Lic #L-109803 • ND - Lic #MB101818 • OH - Lic #MB0804160 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # ML002651 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV - Lic #ML-30469 & MB-30098 • WY - Lic#2247 Guaranteed Rate, Inc. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.
SPECIAL REPORT
HOT 100 KEN PERRY Founder and president KNOWLEDGE COOP
Ken Perry entered the mortgage industry as a loan originator for a national company in Pleasanton, California. He quickly became the company’s top producer and was asked to take a training leadership position to onboard branches throughout the western half of the US. In 2000, Perry transferred to the Pacific Northwest to take a sales job with a major wholesale lender, which gave him the opportunity to call on originators throughout the Portland market. Seeing the significant need for originator training, Perry left his job in 2003 to start Broker Knowledge Group. That September, he was invited to speak at a conference, which led to additional speaking engagements throughout the country. In 2005, Broker Knowledge Group became the first private company to receive approval for teaching live continuing education classes in Oregon. With the passage of the SAFE Act in 2008, these classes became required in every state, and Broker Knowledge Group was one of the first providers. In December 2011, Perry attended a technology conference in Las Vegas that rewrote the future of his business. In 2012, he launched the Knowledge Coop, a social learning system that allows companies to upload and assign documents, videos, and notes to grow their companies through collaboration and education. Perry also created a company initiative to donate 10% of the purchases of Knowledge Coop’s seven- or eight-hour CE courses from CoopCares.com to Forever Changed International. Perry himself travels to Guatemala City twice a year on mission trips with the organization.
BENJAMIN MADICK Co-founder and COO MATIC
In 2014, Ben Madick co-founded Matic, a technology-driven insurance agency focused on helping lenders and loan officers better integrate homeowner’s insurance into the lending process. The company has steadily grown since 2016 to become the market leader in lender and servicer distribution of HOI. In the last 12 months, Madick and his team have forged partnerships with more than 12 of the nation’s top-rated insurance carriers, including Nationwide, Progressive, National General Insurance and Safeco. Licensed in all 50 states, Matic has delivered more than 300,000 quotes to the customers of well-known lenders and servicers, allowing these companies to close loans faster and reduce origination costs while improving the borrower experience by dramatically simplifying the often-confusing HOI process. Outside of Matic, Madick is an active participant in the MBA, CMBA and TMBA, a frequent speaker at industry events, and a regular contributor to industry publications. He also co-founded Mortgage Quality Management & Research [MQMR], a leading provider of mortgage risk management services. He continues to serve as a strategic advisor to the company, which conducts more than 1,500 annual reviews of originators, sub-servicers, document custodians and vendors. Prior to founding MQMR in 2011, Madick spent five years with Bank of America’s correspondent lending division, managing relationships with large independent mortgage lenders throughout the country.
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CHAD GOMOLL Senior vice president, national production INLANTA MORTGAGE
In November 2016, Chad Gomoll took on the role of SVP of national production at Inlanta Mortgage, leading the independent mortgage banker’s efforts to grow and gain market share. Since he took the job, the company has added 14 new branches and four new states. In addition, Gomoll added three new regional vice presidents and a national trainer to the team. Prior to this role, Gomoll spent six years with Genworth Mortgage Insurance, where he grew one of its top regions and added eight out of the 11 account managers for the region. In 2016, the region placed more than $5 billion worth of mortgage insurance. Gomoll is an active member of the MBA’s secondary committee of RESBOG. He was also a member of the board of directors of the Dallas MBA from 2012 to 2015 and was selected as a recipient of the Whooten Scholarship for the MBA’s Future Leaders Program. “As a future leader, the focus on the industry and its members has been at the forefront in guiding my career,” Gomoll says. As part of the diversity & inclusion initiative at Inlanta Mortgage, he and his team have created a new Loan Officer Apprentice program to introduce new LOs to the business.
NIKOLAOS ATHANASIOU Chief operating officer GUARANTEED RATE
As chief operating officer of Guaranteed Rate, Nikolaos Athanasiou provides the vision and strategic leadership necessary to ensure the company’s national growth. Athanasiou’s extensive experience and knowledge have brought improved efficiencies and optimized performance to the company’s national sales, operations and underwriting departments. The results he’s delivered are unmatched throughout the industry, and his accomplishments have not gone unnoticed. Crain’s Chicago Business included Athanasiou in its prestigious 40 Under 40 list in 2017, noting his strategic leadership and the company’s rapid growth during his tenure. Since joining Guaranteed Rate’s first New England branch office in 2009, Athanasiou has been a key asset in the company’s continued success, serving in several leadership roles. He moved to Chicago in 2011, where he led the growth of the direct division to nearly $2 billion nationally in 2013. He has been instrumental in continuing to grow the company over the past five years, overseeing a revenue increase from $182.6 million in 2011 to $777.7 million in 2016. He was also invaluable in forming a partnership with Realogy Holdings Corporation to create a new joint venture, Guaranteed Rate Affinity. This joint venture originates and markets its mortgage lending services to Realogy’s real estate brokerage and relocation subsidiaries, as well as other real estate brokerage and relocation companies across the country.
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SPECIAL REPORT
HOT 100 TOM KNAPP Chief information officer WATERSTONE MORTGAGE CORPORATION
As chief information officer at Waterstone Mortgage Corporation, Tom Knapp oversees the company’s information services functions, including new technology initiatives, web applications, technology infrastructure support, information systems and vendor management. In 2017, he was integral to the launch of the Waterstone Mobile app, a proprietary tech solution that connects loan originators with their clients and referral partners, and allows potential homebuyers to receive preapproval for a mortgage via their mobile devices. The app also features mortgage calculators and links to the loan originator’s social media accounts and contact information. “Tom is an exceptional leader widely known and respected in both the financial and technology sectors,” a colleague says. “He has the creative wherewithal to develop proprietary solutions that are groundbreaking in the industry. A respected leader and mentor and an all-around good guy, Tom is quick with a smile to passing colleagues, a helping hand to those in need and an attitude that says anything is possible.” Outside of Waterstone, Knapp sits on Ellie Mae’s CIO Advisory Board and received the 2018 Chief Information Officer of the Year Award from the Milwaukee Business Journal.
PAUL MARSH Chief financial officer ENCOMPASS LENDING GROUP
Over the last five years, Paul Marsh has guided Encompass Lending Group to achieve 846% growth in net worth, a 326% increase in revenue, 781% growth in net profits, a 670% increase in cash reserve and 793% growth in EBITDA. The success Marsh has fostered for the organization led to the company being named a Best Place to Work in 2017 by the Houston Business Journal and landing a spot on the Inc. 5000 list of fastestgrowing private companies in 2016 and 2017. In 2017, Marsh received the Leadership Award from NAMB for exceptional leadership within the organization and his community. In addition to being highly active in the Houston community, Marsh is a member of the National Association of Mortgage Professionals, the Greater Houston Association of Mortgage Processionals, the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants and Financial Executives International.
PERRY FARELLA Loan officer AMERIFIRST HOME MORTGAGE
AmeriFirst Home Mortgage’s top renovation loan officer, Perry Farella has been in the mortgage business since 2002. An expert in rehab and renovation loans, Farella shares his knowledge through his blog, Rehab Dollars & Sense, which explores all aspects of residential renovation and financing. In addition, Farella is a licensed real estate instructor in Illinois, where he teaches mortgage and renovation-related coursed to brokers.
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MICHAEL BORODINSKY Vice president, regional builder branch manager CALIBER HOME LOANS
A 30-year mortgage industry veteran and a designated Five-Star Professional, Michael Borodinsky has funded more than $4 billion in residential mortgage loans to upwards of 12,000 customers over the course of his career. He has been honored as the top-producing loan officer at Bank of America, Wells Fargo, Met Life, Sun Home Loans and Caliber Home Loans, where he currently serves as vice president and regional builder branch manager. Throughout his career, Borodinsky has specialized in supporting the new-home building industry and has been a member of the New Jersey Builders Association [NJBA] for the past 25 years. He was the recipient of the NJBA’s prestigious Chairman’s Award for his contributions to the association’s sales, marketing and political action committees. He was also elected to the NJBA Associate Hall of Fame and won the Associate of the Year Award from the NJBA in 2013. He currently serves as the organization’s vice president of associate affairs and is vice chairman of the state’s political action committee. Borodinsky is also the president of the nonprofit National Kids Construction Club and recently completed a multi-year tenure as radio host of “The Mortgage Corner” on WCTC in New Brunswick, New Jersey. He continues to blog weekly for The News Funnel, one of the largest online housing and financial industry digests.
JOE CALTABIANO Senior vice president of mortgage banking BEMORTGAGE
Having closed more than $2.5 billion in loans in the last 15 years, Joe Caltabiano prides himself on listening to the needs of his customers and then offering guidance on the various programs available to them. His customer base ranges from first-time homebuyers to experienced investors who have worked with him on more than 20 loans. By providing information specific to their situation, Caltabiano believes he can put borrowers in a better position to make an informed decision for themselves and their families. A mortgage expert in every sense of the word, Caltabiano has consistently been recognized as the country’s best of the best. As a new-construction and condo loan expert, he has been personally endorsed by hundreds of seasoned Realtors, who rely on him to provide exemplary customer service to get their clients the best loan possible with a focus on successfully closing. He welcomes nontraditional borrowers, including entrepreneurs, independent contractors and the self-employed. In 2009, Caltabiano – a cancer survivor – was elected Man of the Year of the Leukemia and Lymphoma Society, where he served on the board and represented the organization. He is also a board member for Gateway for Cancer Research.
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SPECIAL REPORT
HOT 100 MARVIN D. CHANCE JR. President MORTGAGES UNLIMITED
Marvin D. Chance Jr. founded one of the first mortgage brokerages in the Kansas/Oklahoma panhandle in 1990. Since then, Mortgages Unlimited has grown to become one of the largest brokerages in the region, and Chance himself closes around 200 to 300 loans every year. He has also been a leader in obtaining rural housing programs in Southwest Kansas. Chance is active in his local community, having been an elected college trustee for more than 26 years. He was elected as president of the Kansas Association of Community College Trustees for 2017-18. He also spearheaded and continues to oversee a local day care and preschool that focuses on providing affordable childcare. In 2017, Chance received a Distinguished Citizen Award from the chamber of commerce in Liberal, Kansas.
BRIAN BERMAN Mortgage broker and owner MORTGAGE ATLANTA
Making his second appearance on the MPA Hot 100 list, Brian Berman is also a regular on Atlanta Agent’s Who’s Who. As loan officer and leader of Mortgage Atlanta, Berman works with a wide variety of buyers, including first-timers and veterans using VA loans, helping them navigate the complex mortgage landscape to find the best solutions. “Brian consistently performs at the top of the industry and helps my clients in the process,” one agent partner says. In 2016, Berman closed more than $50 million in purchase loans, for which he received the Diamond Award from the Georgia Mortgage Bankers Association. In 2017, one of his notable accomplishments was helping a client gain approval and closing after the client had been denied by an ‘in-house’ lender. Berman’s tenacity and dedication to the mortgage business helps him and his team stretch their capabilities and extend accessibility and in-depth knowledge to all types of clients.
JOHN TEDESCO Senior vice president of business development APPRAISAL NATION
A mortgage professional with more than 18 years of experience, John Tedesco has a track record of success as a business development executive, city/town manager, CEO, public servant and chief development officer. At Appraisal Nation, Tedesco leads the new business development team for the full-service appraisal management company. During the course of his career, Tedesco has been publicly elected to and/or appointed to several boards and committees, providing leadership, governance and oversight for numerous organizations operating at $1 million to over $1.5 billion, with staffs from 50 to more than 18,000 employees.
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BRENDA DINTINO Branch manager NEW AMERICAN FUNDING
With four decades of experience in mortgage banking, Brenda Dintino has become one of the most skilled loan originators in the industry. Over the course of her career, she has effectively closed more than 5,600 loans and has become known as ‘Brenda The Lenda.’ Dintino brings a high level of dedication, hard work and integrity to every transaction and every client, whether it’s a first-time buyer, self-employed individual or retiree. She continues to demonstrate a keen understanding of mortgages and in-depth knowledge of a complete spectrum of loan products. Dintino joined New American Funding in 2011, attracted by the company’s commitment to consumers. Since then, she has leveraged the lender’s efficient loan process to help residents across Southern California meet their mortgage goals. During her tenure at New American Funding, she has been able to provide her clients with competitive rates and remarkable turn times, in most cases closing transactions within 21 days.
Inlanta's Inlanta's 2018 2018 MPA MPA Hot Hot 100 100
CONGRATULATIONS TO OUR WINNERS! TO OUR WINNERS!
CHAD CHAD GOMOLL GOMOLL Senior VP of Business Development Senior VP of Business Development
YVETTE YVETTE CLERMONT CLERMONT Branch Manager Branch Manager NMLS# 248437 NMLS# 248437
Better Better Yourself Yourself and and Your Your Business Business If If you're you're looking looking to to make make a a change, change, Inlanta Inlanta may may be be for for you! you!
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(262) (262) 439-4242 439-4242 partners partners@ @inlanta.com inlanta.com
• Family Owned & Operated – 25 Years of Excellence • Family Owned & Operated – 25 Years of Excellence • Exceptional Culture – You Have a Voice! • Exceptional Culture – You Have a Voice! • Strong Leadership – From the Top, Down • Strong Leadership – From the Top, Down • Cutting Edge Technology – Top Rated LOS System • Cutting Edge Technology – Top Rated LOS System • Personalized Marketing Support – Video, Custom • Personalized Marketing Support – Video, Custom Graphic Design, Social Media and more! Graphic Design, Social Media and more! • Peer Elected Advisory Board • Peer Elected Advisory Board • Full Time Scenario Desk Available • Full Time Scenario Desk Available • Full time, In-House Processing and Underwriting • Full time, In-House Processing and Underwriting • National Training Manager & Onboarding Transition Team • National Training Manager & Onboarding Transition Team • Rewards Trips, Award Ceremonies, Team Shout Outs, • Rewards Trips, Award Ceremonies, Team Shout Outs, Annual Conferences, and more! Annual Conferences, and more! • The Power of Momentum – Growing, Expanding, Thriving! • The Power of Momentum – Growing, Expanding, Thriving!
Inlanta Mortgage, Inc. NMLS #1016 is an Illinois Residential Mortgage Licensee #MB.0006190. Inlanta Mortgage is regulated by the State of lllinois Department of Financial and Professional Regulation. Inlanta Inc. NMLSCompany #1016 is an Illinois Residential Mortgage Licensee #MB.0006190. Inlanta Mortgage is regulated by the State ofNew lllinois Department of Financial and Professional KansasMortgage, Licensed Mortgage #MC. 0025045. Massachusetts Lender License #MC1016, Massachusetts Broker License #MC1016. Hampshire License # 17396-MB. Licensed byRegulation. the New Kansas Licensed Mortgage Company #MC. 0025045.Ohio Massachusetts LenderAct License #MC1016, Massachusetts BrokerNumber LicenseMBMB.850301.000. #MC1016. New Hampshire License # 17396-MB. by the New Hampshire Banking Department Division of Banking. Mortgage Broker Mortgage Banker Exemption License Texas SML Mortgage BankerLicensed Registration. Wisconsin Hampshire Banking Department Division of Banking. Ohio Mortgage Broker Act Mortgage Banker Exemption License Number MBMB.850301.000. Texas SML Mortgage Banker Registration. Wisconsin Banker License #43262BA, Wisconsin Broker License #1016BR. Approved to do business in: AL, CO, FL, GA, IL, IN, IA, KS, KY, MA, ME, MI, MN, MO, NH, OH, RI, TN, TX, VT, and WI. Banker License #43262BA, Wisconsin Broker License #1016BR. Approved to do business in: AL, CO, FL, GA, IL, IN, IA, KS, KY, MA, ME, MI, MN, MO, NH, OH, RI, TN, TX, VT, and WI.
SPECIAL REPORT
HOT 100 ERICA PARADISE Senior loan officer EAGLE HOME MORTGAGE
Described by a peer as “a constant professional who cares about people,” Erica Paradise is a senior loan officer at Eagle Home Mortgage, where she services the Clearwater, Florida, area. Prior to joining Eagle Home Mortgage, Paradise held positions with Bank of America, Atlantic Home Loans, JMC Funding and more.
STEVEN MNUCHIN Secretary US DEPARTMENT OF THE TREASURY
MARC DEMETRIOU Branch manager and mortgage consultant RESIDENTIAL HOME FUNDING CORPORATION
Marc Demetriou has become a nationally recognized mortgage banker, as well as an expert panelist and lecturer at various events within the accounting and legal community throughout New Jersey. Additionally, he has been the number-one originator and a President’s Club member at Residential Home Funding Corp. every year since 2006. In early 2017, he was named a Five-Star Mortgage Professional by New Jersey Monthly magazine; he has also been a regular on MPA’s Hot 100 list. Demetriou is a certified and licensed instructor, offering continuing education credits to accountants, Realtors, financial planners and managed care professionals. He is also a former co-host of “The Real Estate and Money Show,” a weekly live radio show on WVNJ 1160 AM. Profoundly inspired by his grandfather’s hard work and success, Demetriou authored his first book, released in January 2018: Lessons From My Grandfather: Wisdom For Success in Business and Life, which shares knowledge gained from his beloved grandfather and mentor, Haralambos Georgiou Pistis, affectionately known to all as Charlie. From a young age, Demetriou chronicled Charlie’s experiences as an immigrant from Cyprus. In dedication, he now offers his grandfather’s timeless principles for achieving success and leading a fulfilling life – foremost, the belief that success is a choice.
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As Treasury Secretary, Steven Mnuchin is responsible for the executive-branch agency whose mission is to maintain a strong economy. Recently, the New York Times reported that the Treasury Department had allowed Fannie Mae and Freddie Mac to retain a reserve amount following a significant tax cut in order for the government organizations to have cushioning against future losses. Prior to his confirmation as Treasury Secretary, Mnuchin served as founder, chairman and CEO of Dune Capital Management. He also founded OneWest Bank Group and served as its chairman and CEO until its sale to CIT Group, which represented the first post-financial-crisis bank merger worth more than $50 billion. Mnuchin also has extensive experience in global financial markets and oversaw trading in US government securities, mortgages, money markets and municipal bonds. Mnuchin is committed to philanthropic activities and previously served as a board member for the Museum of Contemporary Art Los Angeles, the Whitney Museum of Art, the Hirshhorn Museum and Sculpture Garden, the UCLA Health System, the New York Presbyterian Hospital and the Los Angeles Police Foundation.
DAN DADOUN National production manager SILVERTON MORTGAGE SPECIALISTS
As national production manager at Silverton Mortgage Specialists, Dan Dadoun has led the company to become one of the best large independent non-bank lenders in the Southeast US. Dadoun has been in the mortgage and real estate business for more than 10 years, five of which he spent running his own brokerage. He maintains daily communication with industry experts to gain knowledge of the current economic climate to better inform future homebuyers. As a manager and business owner, Dadoun believes in instilling a teaching and coaching approach among his staff so they can truly gain customer loyalty. Dadoun is also a leading contributor to the efforts of the Silverton Foundation, helping raise funds to ease the mortgage and rent burdens of families with critically ill children.
BEN COHEN Senior vice president of mortgage lending GUARANTEED RATE
Guaranteed Rate’s highest-producing loan officer in the state of Illinois and fifth in the entire country, Ben Cohen has a passion for helping people’s dreams of homeownership come true. A 14-year veteran in the mortgage industry, Cohen is a member of Guaranteed Rate’s prestigious President’s Club and Chairman’s Circle. Cohen credits much of his success to the Chicago Realtor community, with whom he partners on a daily basis to assist aspiring homeowners. He has appeared on Chicago Agent’s Who’s Who list and was one of three finalists for the magazine’s 2017 Loan Officer of the Year Award. In addition, he was recently named Loan Officer of the Year by the Illinois Mortgage Bankers Association. Cohen has a passion for giving back to the community and is a supporter of the Jewish United Fund and the Guaranteed Rate Foundation, which helps families in need.
JOHN G. STEVENS Vice president of national retail business development PRMG
The new vice president of national retail business development at PRMG, John Stevens has held various leadership roles at several nationwide lending institutions, including VP of business development at RPM Mortgage and Mountain West Financial, as well as Utah area manager for Bank of England. Stevens is also the 2018 president of NAMB, where he will be instrumental in raising the bar and overall industry awareness for mortgage professionals nationwide. Some of his past accomplishments include serving as president of the Utah Association of Mortgage Brokers, as planning commissioner of Pleasant Grove City and Utah County, and as a member of the Utah County Planning Commission.
THUAN NGUYEN President LOAN FACTORY
Thuan Nguyen is the founder of California-based Loan Factory. His passion for providing clients excellent customer service and lower rates by continuously streamlining process and technology has paid off. In a single year, Nguyen was able to grow his personal production from $186 million in 2015 to $364 million in 2016. He has also spent nearly $1 million building his SaaS cloud-based software, Lenderrate.com.
GARY MARTELL JR. President MOUNTAIN WEST FINANCIAL
A three-time member of MPA’s Hot 100, Gary Martell Jr. has been in the mortgage industry for more than 30 years and was consistently ranked as a top originator for the first 15 years of his mortgage lending career. Now as co-founder and president of Mountain West Financial, Martell oversees the entire origination process, including production, underwriting, quality control, compliance and investor relations. He was recognized as one of the most influential mortgage executives from 2014 to 2016, having guided his company through a turbulent period to come out not only surviving, but thriving. Martell is also an approved instructor for the California Department of Real Estate on consumer protection and has taught real estate finance at San Bernardino Valley College.
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SPECIAL REPORT
HOT 100 JOHN F. CADY SVP of production MOUNTAIN WEST FINANCIAL
Bringing more than 25 years of mortgage banking experience to his role as SVP of production at Mountain West Financial, John Cady is currently responsible for the management of all retail and wholesale mortgage banking production activities. Over the course of his career, Cady has held every production position available, and has overseen successful production divisions at several mid-sized mortgage lenders. This is Cady’s third consecutive appearance on MPA’s Hot 100 list, and he has been recognized by other industry publications for his achievements and influence.
MICHAEL KUENTZ President
AMY HOLMES
LENDERS ONE
Founder and president
With 20 years of mortgage industry experience, Michael Kuentz joined Lenders One Mortgage Cooperative in April 2016 as VP of national sales and had an immediate impact within the company. He was appointed president in September 2017 and is now responsible for overseeing the day-to-day operations and defining and executing the overall strategic direction of the cooperative, all while continuing to lead national sales initiatives. Under Kuentz’s leadership, the company celebrated its strongest profitability in 2017. Since he joined Lenders One, Kuentz has led the cooperative’s regional director team while developing strong relationships with many of its members, preferred vendors and investors. During his tenure, Lenders One has seen exceptional growth, and Kuentz has played an integral role in delivering innovative and exclusive solutions to help solve member challenges, including managing third-party risks and modernizing trading. He has also helped generate better opportunities for Lenders One members to build their businesses in a down market through the newly launched Regional Roundtables. In keeping with the cooperative’s steady expansion, Kuentz has been instrumental in bringing top talent to the organization, enabling aggressive growth expectations.
LEVEL 3 LENDING
Known as the ‘Sherlock Holmes of mortgages,’ Amy Holmes has more than two decades of experience in the industry. Having started out as an administrative assistant in real estate at age 18, she is now recognized as one of Utah’s most skilled, trusted and knowledgeable brokers. Holmes founded Level 3 Lending in 2005 as a brokerage focused entirely on helping clients and employees realize their potential and dreams. Eager to pass on her industry expertise, Holmes has developed training programs that have been adopted by multiple lenders and brokerages, and spends most of her time training and mentoring newly licensed MLOs. Her personal commitment to both customer service and developing her fellow MLOs is reflected in her training manual, “Dream Maker,” which aims to successfully introduce the next generation of MLOs into the mortgage industry. This project, as well as the breakout success of Level 3 Lending, were acknowledged during the 2017 NAMB Conference in Las Vegas.
BEN CARSON Secretary US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
It has been a challenging year for Secretary Ben Carson as the Department of Housing and Urban Development continues to navigate the plethora of issues that come with the increasing demand for affordable housing. One of Carson’s new initiatives, EnVision Centers, was launched in December to help HUD-assisted households achieve self-sufficiency and transition from public housing into homeownership. Recently, Carson also announced a $2 billion grant for homeless programs across the country. The grants were extended to more than 7,000 local programs working on helping people move from the streets into shelters, and then to permanent housing.
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RICK ARVIELO CEO NEW AMERICAN FUNDING
A self-taught entrepreneur with a passion for marketing, Rick Arvielo founded his third business, New American Funding, in 2003. Today, the company has approximately 130 branches and nearly 2,600 employees working toward the goal of providing unparalleled service at competitive rates and helping individuals fulfill the American dream of homeownership. Arvielo’s proven formula of marrying marketing and proprietary technology to grow businesses from the ground up has led New American Funding to become an approved Fannie Mae, Freddie Mac and Ginnie Mae seller/servicer, and to expand to include a retailbased lending division, a builder division and a servicing portfolio of more than $22 billion. In 2016, Arvielo spearheaded the development of GoGo LO
2.0, an app that gives loan originators on-demand access to office resources and enables them to use their mobile device to instantly check an applicant’s credit and update terms of a borrower’s pre-qualification letter. The company also finished the beta-testing phase of two new apps: GoGo Partner for real estate agents partnering with the company, and GoGo Home for housing consumers. Arvielo is also involved in New American Funding’s Specialized Training Empowering People [STEP] program, which launched nationwide in 2017 and is designed to prepare people for a career in mortgage banking. Arvielo is involved in several associations that play a vital role in the future of mortgage banking. On a national level, he regularly travels to Washington, DC, to lobby on behalf of the industry. He sits on the MBA’s board of directors and serves in an elected position on the steering committee for the Mortgage Action Alliance Committee. He is also the 2017-2018 chairman of MORPAC, the MBA’s political action committee.
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SPECIAL REPORT
HOT 100 SHANT BANOSIAN Branch manager GUARANTEED RATE
Guaranteed Rate’s number-one loan officer nationwide with 1,136 closed units and $434.5 million in funded loans in 2016 alone, Shant Banosian has been in the mortgage business for more than a decade and has consistently been recognized for his high level of production and superior customer service. After several years as a Guaranteed Rate President’s Club member, he was named to the company’s prestigious Chairman’s Circle – an exclusive club for top producers who exceed $100 million in annual loan volume – in 2015 and 2016. In addition, he received gold recognition from MassHousing for originating 38 MassHousing loans in 2017. Actively involved in his community, Banosian has made St. Jude Children’s Research Hospital a particular focus of his philanthropy, and his team was named one of St. Jude’s top 10 fundraisers in the country for 2016. He is also a member of the Watertown Rotary Club and Watertown Chamber of Commerce.
RAYMOND ESHAGHIAN President GREENBOX LOANS
Currently the president of Greenbox Loans, Raymond Eshaghian has extensive executive experience in the mortgage industry. He previously served as president of Maximum Capacity Holdings, president of Raymond Realty Group and CEO of The Mortgage Store.
JORDAN BUCHER Strategic member relations specialist MORTGAGE BANKERS ASSOCIATION
Just over a year out of college, Jordan Bucher has become one of the key drivers behind MBA’s mPact, a network dedicated to helping young professionals – including Bucher herself – navigate and succeed in the mortgage industry. “Throughout college, I had no idea what career path I wanted to take after graduation,” Bucher says. “I was introduced to MBA one summer and have found it very rewarding to be working in a field that aims to help millions of individuals achieve the American dream of homeownership. [Real estate finance] is an industry that is looking to add youth to its workforce and one that has immense potential for leadership opportunities down the road.” Because the industry perceives a seemingly continuous decline in homeownership among millennials, Bucher sees the value of mPact in helping the industry better understand the mindset of this generation of homebuyers, which will help mortgage businesses come up with more fitting solutions for millennials.
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BRETT BRUMLEY Managing partner LENDER TOOLKIT
Brett Brumley’s entrepreneurial spirit helps to drive the growth and innovation at Lender Toolkit. Through a partnership with Ellie Mae’s Encompass lending platform, the company customizes origination systems, develops technology to automate mortgage processes, and creates an enhanced user experience to drive efficiencies and increase profitability for clients. Lender Toolkit works with mortgage companies of all sizes, including many of the top 50 in the country, representing more than $45 billion in loan volume. Since 2016, the company has doubled in size and continues to grow at a steady pace. Brumley’s approach toward clients and commitment to service excellence continue to propel Lender Toolkit forward. He leads the business and his teams with an emphasis on technology and innovation, encouraging employees to excel in all they do and ensuring they are respected and treated as valuable assets. Through employee recognition programs, all-inclusive company trips and by staying on top of any pressing issues facing the industry, Brumley serves not just as a boss, but also a mentor to all of his employees.
VICKI DIPASQUALE Vice president, sales SIMPLIFILE
With more than 30 years of title industry experience under her belt, Vicki DiPasquale has worked for underwriters, attorneys, corporate agents and real estate-related companies, and has independently lent her real estate expertise to a number of consulting projects and as a traveling notary and closer. DiPasquale has extensive experience in all aspects of title insurance, closing, sales, agency and management, and she has an affinity for using technology to simplify business processes. Holding a doctorate degree in management, DiPasquale manages the sales team at Simplifile, overseeing and supporting all sales activities for the company and focusing on county and submitter growth throughout the US.
JONI PILGRIM Chief business development officer NATIONWIDE APPRAISAL NETWORK
Joni Pilgrim’s leadership has changed the way Nationwide Appraisal Network [NAN] and its competitors think about appraisals. Pilgrim led the development, pilot and implementation of Appraisal Quality and Performance Measurement [AQPM], a dynamic, cloud-based platform designed to optimize the selection of appraisers and AMCs through powerful data and analytics. The platform has an intuitive dashboard that ensures complete transparency of appraisal quality and performance, thanks to data that is updated four times a day, compared with the industry norm of once a month. AQPM has improved turn times, increased quality and performance, reduced performance costs and the number of underwriting conditions, and provided better reliability in selecting the best-performing appraiser based on objective data. Outside of NAN, Pilgrim is devoted to giving back to the community; under her influence, the entire NAN team participates in philanthropic activities. In 2017, for the fourth consecutive year, Pilgrim led NAN’s Backpack4Kids initiative, which donated 855 backpacks and supplies to Title I elementary and middle schools. For more than four years, Pilgrim has also led NAN’s participation in the Children’s Cancer Center’s holiday ‘adopt a family’ program, which provides support to families coping with medical crises.
SHASHANK SHEKHAR Founder and CEO ARCUS LENDING
Under Shashank Shekhar’s leadership, Arcus Lending was named to the 2017 Inc. 500 list of the fastest-growing private companies in America. Arcus Lending was also named by Inc. as one of the top three fastest-growing mortgage companies in the country. In 2017, Shekhar’s newest book, My First Home, which one critic hailed as “the best ever written for first-time homebuyers”, became a number-one bestseller on Amazon and was featured in Times Square. Through his TV show, radio show, blogs, books, seminars and webinars, Shekhar has built an impressive personal brand in the industry. He is frequently tapped by national and international media for his mortgage expertise, including Fox News, the Washington Post, Yahoo! News, the Financial Times, Bankrate.com and several other major news outlets.
TOM HUTCHENS Senior vice president, sales and marketing ANGEL OAK MORTGAGE SOLUTIONS
As the market development head of America’s leading alternative lender, Tom Hutchens is spearheading the renewal of responsible, non-agency mortgages. Hutchens is known for building sales infrastructures that feature knowledgeable professionals and high levels of customer service. Hutchens and Angel Oak pioneered non-QM wholesale mortgages in 2014 and now enable originators to offer eight distinct products to homebuyers in 38 states. Due to Angel Oak’s success in non-QM wholesale marketplace, the company has introduced non-QM securitizations, the senior tranches of which have earned AAA ratings.
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SPECIAL REPORT
HOT 100 VICTOR CIARDELLI Founder and CEO GUARANTEED RATE
Victor Ciardelli is the founder and CEO of Guaranteed Rate, the largest independent retail mortgage company in the US and a top seven retail mortgage lender overall. Ciardelli founded Guaranteed Rate in 2000 on the principles of low rates, groundbreaking technology, complete transparency, five-star customer service, and a quick, easy mortgage process. Over the last decade, Guaranteed Rate has quadrupled its number of employees to more than 3,400 and increased its revenue from $43 million in 2006 to more than $778 million in 2016. During that same period, Guaranteed Rate’s total funded volume increased by a whopping 660%; the company funded more than $23 billion in 2016. A widely recognized leader, Ciardelli won the Ernst & Young Entrepreneur of the Year Award in 2012, was recognized as CEO of the Year at the 2014 CityLights Awards and was included on Crain’s Chicago Business’ 2017 Who’s Who in Chicago Business list. Ciardelli is also chairman of Guaranteed Rate Affinity, a joint venture between Guaranteed Rate and Realogy, the largest full-service residential real estate services company in the country.
RAYMOND BARTREAU Founder and SVP of mortgage partnerships BEST RATE REFERRALS
A leader with more than a decade of combined mortgage and direct marketing experience, Raymond Bartreau has spent his career providing mortgage lenders with the strategies and insights to better connect with consumers amid an ever-changing housing market. In addition to founding Best Rate Referrals and serving as its SVP of mortgage partnerships, Bartreau was instrumental in building one of fastest-growing online mortgage marketplaces, MortgageAdvisor.com, which generates demand monthly for thousands of consumers looking for purchase, refinance and home equity loans.
ASHLEY GUNN Associate director, commercial/multifamily MORTGAGE BANKERS ASSOCIATION
In addition to serving as associate director of commercial real estate finance at the MBA, where her primary focus includes overseeing issues related to bank commercial real estate portfolio lending, Ashley Gunn is also one of the initiators of mPact, MBA’s young professionals network. Together with her partners, Gunn recognized the need of most young people for continuous engagement and community support, especially given the technical nature of the industry, and helped to launch mPact a few years ago as a way to engage the next generation in the mortgage industry. Prior to working for the MBA, Gunn was responsible for all commercial real estate lending issues at the American Bankers Association and served as an associate in investment banking for Bank of America Merrill Lynch.
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ROB SAMPSON CEO and co-founder BEMORTGAGE
Rob Sampson has a successful track record of bringing ideas to life and growing companies to become established leaders in industries ranging from construction to enterprise software and financial services. Sampson’s experience in the mortgage industry is extensive; he started as a loan originator and quickly transitioned to operations positions, including serving as executive vice president of secondary marketing and COO at one of the top seven mortgage companies in the US. During his time as COO, Sampson oversaw all aspects of the company’s daily operations, including the management of more than 1,500 operational employees. Through his effective leadership, the company experienced rapid growth, expanding from a regional lender to a national organization with more than 170 branches and licensing in all 50 states. Prior to entering mortgage banking, Sampson worked in the technology industry, where he specialized in financial analytics and company acquisitions. He successfully designed valuation models, business plans, budgets, accounting policies and procedures, contract negotiations, and sales strategies for large portfolio companies.
NANCY ALLEY Vice president of strategic planning SIMPLIFILE
As vice president of strategic planning for Simplifile, Nancy Alley spearheads the innovation of technology solutions that address the persistent needs of industry players, such as expensive, time-consuming lender settlement collaboration and post-closing documentation issues. Alley was instrumental in convincing the GSEs to reverse years of policy and begin accepting electronic security instruments for e-recorded loans, which represented a step toward achieving a fully electronic end-to-end mortgage transaction. Alley was also the driving force behind Simplifile’s integration with Docutech to create a seamless e-closing solution that allows digitalization of each transaction down to the document and jurisdiction level. Alley has accumulated close to 25 years of experience
in financial services and the mortgage industry. Prior to joining Simplifile, she led product strategy for ISGN and developed extensive knowledge of cloud-based offerings through her experience running Xerox Mortgage Services. She also led the product management and engineering efforts of eSignSystems and spent eight years at GE Capital Corporation, evolving her product management and business development skills in mortgage banking technology. As a member of the board of directors for MISMO and a former co-chair of its e-mortgage workgroup, Alley is actively involved in driving adoption of industry standards and has been a constant advocate for all things ‘e’. “Nancy was a key proponent who dispelled the notion that adoption of electronic mortgages is an all-or-nothing proposal – that is, digitalization can happen one process, one success, at a time,” says MISMO vice president Jan Davis. “This simple concept has been important to making digitalization of mortgage processes infinitely more attainable for industry participants, significantly expanding adoption.”
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SPECIAL REPORT
HOT 100 MICHAEL DEERY
KYLE KAMROOZ
President and mortgage planner
Founder and COO
CITYWIDE FINANCIAL CORPORATION
CLOUDVIRGA
Born in Donegal, Ireland, Michael Deery came to the US in 1994 to play soccer at the University of San Diego, and he has held onto that winning attitude ever since. Deery has been one of the nation’s top 100 originators since 2011; in 2016, he funded 272 loans. An avid writer, Deery pens articles for various publications and writes a bi-weekly newsletter for his business partners and clients. He also regularly engages with clients and partners online, maintaining more than 7,600 followers on his Facebook business page.
TIM O’BRIEN Vice president ZIPFEL MORTGAGE GROUP
A three-time recipient of the Greater Cincinnati Mortgage Bankers Association’s Platinum Level Sales Award (the highest sales recognition in the local industry), Tim O’Brien has helped propel Zipfel Mortgage Group into one of the top brokerages in Greater Cincinnati in terms of total loan volume. O’Brien began his career as a mortgage broker in 2008 and created a niche in his market for high-end residential jumbo mortgages. Many of his clients are people of influence in Cincinnati, including business executives, physicians, attorneys, real estate developers and wealth managers. In 2017, O’Brien closed more than $50 million in residential loans, as well as another $30 million in commercial paper. He has been a featured author of “Ask the Expert” in the Cincinnati Business Courier, and he is passionately involved in his local Habitat for Humanity chapter.
MICHAEL CROCKETT Executive vice president of product development CREDIT PLUS
Michael Crockett joined Credit Plus in 2013 and is responsible for overseeing the development of quality assurance and quality control products that lenders can use throughout the loan cycle. With more than 20 years of experience developing products that assist lenders in mitigating risk, Crockett most recently led the launch of Credit Plus’ QA/QC division. As a result of his leadership, Credit Plus has realized 165% revenue growth between October 2016 and October 2017, as well as 211% growth in post-closing quality control audits and 22% growth in pre-closing quality control audits during the same period. Crockett also oversaw the successful implementation and launch of a mortgage lending large account, implemented an enhanced reverification process and conducted multiple auditor training courses to ensure continual quality improvement. Outside of his work at Credit Plus, Crockett serves on the CDIA board of directors, as well as Experian’s advisory board. He is also actively involved with The Mortgage Collaborative, Lenders One and Capital Markets Cooperative.
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Kyle Kamrooz has nearly 20 years of senior management experience in residential mortgage lending. By age 25, he had built one of the largest direct-toconsumer mortgage lending companies in Orange County, California. His next venture, a nationwide mortgage company, processed more than $7 billion in loans annually and employed more than 500 people. Kamrooz witnessed firsthand the inefficiencies of the home loan process for both consumers and lenders, and earned direct endorsement underwriting approval from the FHA to better understand the problem. While serving as EVP at Skyline Home Loans, Kamrooz developed the digital mortgage platform that would become Cloudvirga. Since founding Cloudvirga in 2016, Kamrooz has led the company through multiple capital raises, set the vision for its POS platforms, forged partnerships with leading mortgage service providers and signed eight of the top 40 non-bank mortgage lenders. Kamrooz also serves on Fannie Mae’s Technology Advisory Board and is a member of the MBA, where he has served on the loan production, legal and regulatory compliance, and state legislative and regulatory committees. His commentary has been featured in TechCrunch and HuffPost, and he has been named one of Entrepreneur magazine’s Inspiring Tech Entrepreneurs Under 40.
ERICA LACENTRA Marketing manager RCN CAPITAL
Since she joined RCN Capital in 2013, Erica LaCentra’s work as marketing manager has contributed to the rapid expansion of RCN’s customer base, which has elevated the company to a national brand. LaCentra handles the creation of the company’s traditional and digital media and manages paid search advertising,
social media, and email marketing, as well as the coordination of trade-show sponsorships and event involvement. Her efforts have been instrumental in RCN Capital receiving numerous awards, including the 2017 AREAA Boston Strategic Partners Award, the 2016 South Windsor Chamber of Commerce Expansion Award. LaCentra also speaks at various industry events, where she has conducted classes on private lending, marketing, branding and communication trends in the industry.
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SPECIAL REPORT
HOT 100 BILL PACKER
JULIAN HEBRON
Chief information officer
Chief marketing officer
AMERICAN FINANCIAL RESOURCES
LENDUS
As chief information officer at American Financial Resources [AFR], Bill Packer is the driving force behind numerous B2B and B2C technology solutions that have streamlined and improved the way mortgage lenders communicate with their customers, including a wholesale broker loan portal, a renovation- and OTC-focused portal, a loan rate comparison tool, Amazon Alexa integration, and unique a DocuSign feature. The development of these tools underscores not only AFR’s pioneering mindset, but also its commitment to ensuring an optimal experience for both brokers and lenders. Boasting more than 25 years of experience in a variety of leadership roles in sales, operations, project management, e-commerce, retail banking, consumer and mortgage lending, and technology, Packer joined AFR in June 2015. He also serves as the executive vice president of its technology services subsidiary, Lendersoft.
CHAD JAMPEDRO President GSF MORTGAGE CORPORATION
“In order to enjoy long-term success, one must invest in the development of the people who operate the business and serve its clients,” says Chad Jampedro. “It’s the safest and most important investment a firm can make.” That business philosophy has driven Jampedro’s 17-year career at GSF Mortgage Corporation, a full-service direct mortgage lender. He began in 2001 as a top-producing sales associate at GSF and quickly moved on to marketing, eventually securing several leadership roles in the business. From 2005 to 2011, Jampedro served as GSF’s managing vice president. He was then named COO, responsible for the direct marketing, production and secondary marketing departments for the firm. After two years in that role, he became GSF’s president in 2013. During his tenure as president, Jampedro has significantly grown the firm’s footprint. Today, GSF operates in 31 states, has more than 50 locations across the country and employs hundreds of people. With Jampedro at the helm, GSF has received numerous awards and also enjoys an A+ rating with the Better Business Bureau. Jampedro’s exposure to multiple aspects of the lending industry has contributed to his unique perspective and ability to combine the duties and objectives of each department into a service-level design and operational plan. He encourages the exchange of ideas to develop insight and transparency around the mortgage industry’s products, policies and projections. In addition to his work at GSF, Jampedro is a member of Lenders One and the Wisconsin Mortgage Bankers Association.
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Over the past year, Julian Hebron has been at the center of integrating three newly acquired mortgage firms into one collective company that funded $6.7 billion in loans in 2017. He also created the master brand LendUS, oversaw national rollout of the Home On Time App digital mortgage, and reorganized sales and marketing initiatives around the company’s signature Advance Approval program, which underwrites loans before clients make offers, enabling them to win bidding wars with cash-like offers. “Julian is known within LendUS and throughout our industry for helping consumers and industry colleagues understand the complex housing finance business,” a colleague says. “He advises software and housing media companies on strategy, and is a skilled mentor and partner to consumers, team members and investors over full market cycles.” Hebron is a fixture on the mortgage industry speaking circuit and a thought leader on the hottest issues in the industry. In 2017, he moderated panels at MBA Tech and Mastermind on whether startup lenders will gain market share before incumbent lenders can innovate. He also served as the keynote speaker at Zillow’s annual Premier Agent Forum, delivering an address entitled “If All Lenders Are Fintechs Now, Why Are You Special?”, which outlined what it will take for lenders to survive in 2018. In addition to his duties at LendUS, Hebron is the founder of The Basis Point, an influential finance blog for consumers, investors and industry pros that has become a go-to source on the housing economy. His work is regularly cited by key media outlets such as the Financial Times, Bloomberg, the Wall Street Journal, CNBC and CNN.
YVETTE CLERMONT Branch manager INLANTA MORTGAGE
Part of the mortgage industry since 1997, Yvette Clermont is an experienced mortgage consultant in both Florida and Wisconsin. She has been through both good and challenging market conditions, all of which have contributed considerably
to her expertise in advising clients on their mortgage concerns. In addition to being a Certified Mortgage Planning Specialist, Clermont recently received the Certified Mortgage Banker designation from the MBA. Armed with extensive education in advanced mortgage planning, Clermont continues to be a passionate advocate for improving regulation in the industry. She serves on the MBA political action committee and represents the state of Florida at the MBA’s Annual National Advocacy Conference.
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SPECIAL REPORT
HOT 100 UMAR GEBRIL
REGINA LOWRIE
Producing area manager
President
ACADEMY MORTGAGE CORPORATION
RML INVESTMENTS
An insatiable itch to run his own business led Umar Gebril to a career in the mortgage industry. As a producing area manager with Academy Mortgage, Gebril has more than doubled his volume since joining the company in 2014. Gebril closed $132 million in total loan volume in 2017, a 281% increase from his 2015 volume total of $47 million. Concurrently, Gebril has helped establish Academy solidly as number seven in market share among big industry players in the Seattle area – a staggering achievement, considering Academy had no presence in the area four years ago. Gebril achieved his remarkable success with the support of a small but hugely supportive team; in fact, he names his team’s strong retention level in an industry notorious for job change as his proudest accomplishment. Gebril is also a member of Academy’s President’s Club and Leadership Academy.
LISA LUND President LUND MORTGAGE TEAM
President of Lund Mortgage Team in Glendale, Arizona, Lisa Lund got her start in the mortgage industry nearly two decades ago, working as an assistant for her father’s business at age 17. Since then, she has worked in almost every aspect of the mortgage industry and founded Lund Mortgage Team in 2009. Today, the team funds an average of 50 loans per month among its nine employees. Over the years, Lund has received many awards and accolades from various organizations, including Broker of the Year from United Wholesale Mortgage. She also recently did a segment on the Lifetime channel with United Wholesale Mortgage about the advantages of using an independent mortgage broker. Dedicated to her community, Lund supports the ALS Association, the Southwest Autism Research and Resource Center, the AZ Kidney Foundation, and many other small local charities.
With more than 30 years of experience in financial services and a solid background in sales, operations, acquisitions and investments, enterprise risk management, and regulatory oversight, Regina Lowrie has extensive experience running profitable mortgage banking operations. Lowrie currently serves as president and CEO of RML Investments, which helps mortgage banking clients assess risks and navigate a volatile market of constant regulatory challenges. Lowrie is also president of NewDay USA Foundation, which provides scholarships to children of fallen or severely wounded veterans and those whose families have endured multiple extended deployments. In 1995, Lowrie became the first woman to lead the MBA’s Greater Philadelphia chapter; a decade later, she was the first woman to become chairperson of the MBA. She has also served on various advisory boards and committees within the organization. An expert witness for the financial services industry, Lowrie has testified before Congress on public policy concerning GSE reform. She was a Mortgage Banking Leading Industry Women Honoree in 2013 and has received awards from the American Association for Women in Community Colleges and Montgomery County Community College for her contributions as a female leader in the industry and community.
SUSAN OBERBILLIG Founder MY MORTGAGE MOXIE
Susan Oberbillig is the founder of My Mortgage Moxie and president of Paragon Mortgage Services. She began her career in 1988 as a real estate broker and mortgage loan consultant, and has accumulated three decades of experience in the mortgage industry. During that time, she has received various awards and recognitions for her accomplishments in residential mortgage lending. Oberbillig’s most recent project was the development of a free platform for mortgage professionals to discuss loan options and interact with consumers.
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DUSTIN ROSENBERG Executive manager GLOBAL EQUITY FINANCE
Since joining Global Equity Finance, Dustin Rosenberg has originated more than $5 million a month in mortgage transactions due to the rapid expansion of his own team and portfolio. He is currently the executive manager in the company’s San Diego headquarters; later this year, he will move to Los Angeles to oversee a new Global Equity branch. Rosenberg’s hard-working, can-do attitude makes all the difference when it comes to getting the job done and creating strong bonds with his clients. “I have worked with many different banks and loan officers in my career, but Dustin’s knowledge, attention to detail and customer service separate him from the rest of the industry,” a peer says. Rosenberg’s impressive work ethic and out-of-the-box thinking have earned him a coveted spot as a member of the President’s Club at Global Equity in 2015, 2016 and 2017. He is also a member of the Veterans Advocacy & Benefits Association.
JONATHAN LAWLESS Vice president for product development and affordable housing FANNIE MAE
At Fannie Mae, Jonathan Lawless is responsible for developing solutions to address challenges in access to credit and affordable housing, as well as solutions for mortgage lenders and servicers. In late 2017, Fannie Mae announced an affordable housing initiative that will attempt to stabilize communities by focusing on rural and manufactured housing, expanding financing options to make the purchases more affordable to homebuyers.
FRANK FIORE President MATCHBOX
Frank Fiore is the founder and president of Matchbox, a widely respected operational consulting firm. The company is actively involved with the MBA, Fannie Mae, Freddie Mac and Ellie Mae in building industry-wide solutions for the changing landscape of mortgage lending. Fiore has led the firm to conclude more than 250 Encompass engagements and over 100 secondary-based engagements, along with multiple others with The Stratmor Group. The company became an Ellie Mae Pro Partner and an approved technology vendor with Fannie Mae in 2017. Fiore is a member of the MBA Technology Group and a 2014 graduate of MBA Future Leaders. He also supports multiple charities, including providing sponsorships for Run For Hope, a local food kitchen that offers free Sunday meals for the homeless, as well as Hope House, a rehabilitation center for young men.
SEAN BECKETTI
JON VOLPE
Vice president and chief economist
CEO
FREDDIE MAC
NOVA HOME LOANS
In June 2015, Sean Becketti joined Freddie Mac, bringing extensive experience in mortgage market research, modeling and analytics to his role as chief economist and VP. In this position, Becketti leads a team that forecasts mortgage and housing market trends and conducts analysis and research on economic and policy issues affecting Freddie Mac.
A former pro football player, Jon Volpe joined NOVA Home Loans in 1994 and applied his knowledge of industrial engineering to streamline the company’s operations. He worked his way up to become the top originator in the company, the state and eventually the country. In 2003, Volpe was appointed as CEO of what is now the largest privately owned mortgage lender in Arizona.
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SPECIAL REPORT
HOT 100 JONATHAN MARCOLINE Branch manager FBC MORTGAGE
A branch manager at FBC Mortgage since 2012, Jonathan Marcoline is a top originator in the Pittsburgh market, closing $91 million in volume in 2016 and boasting an annual capture rate of more than 90% for the past five years.
LEONARD RYAN President QUESTSOFT
Under Leonard Ryan’s leadership, QuestSoft has risen to become the market leader in mortgage compliance automation. The company has grown its market base to more than 2,500 unique lending institutions, which use its software to automate HMDA, CRA, fair lending and other mortgage compliance products and services. Under Ryan’s direction, QuestSoft became the only software solution provider to comply with the new CFPB HMDA rules a year in advance of the 2018 deadline. The new HMDA module has enabled customers to completely test their internal systems and LOS integrations well before the new rules go into effect. QuestSoft was also first in the market to incorporate CFPB-mandated edits and has helped more than 30 loan origination software products adjust their systems to the new rules before the deadline. Ryan was also named to MPA’s Hot 100 in 2016 and has received 22 awards for his work at QuestSoft over the past five years. Beyond his duties at QuestSoft, Ryan plays an instrumental role as the industry’s independent tech representative on the Nationwide Mortgage Licensing System Mortgage Call Report Working Group, in association with the American Association of Residential Mortgage Regulators. He is also a member of the MBA’s HMDA/fair lending committee, and was recently invited as a panelist to discuss the future role of compliance on digital mortgages. In 2017, Ryan served as a session/primary speaker at more than 20 events, and he has participated in approximately 60 industry panels and presentations since 2013. In addition, he actively supports the MBA Opens Doors Foundation and the Orange County Second Harvest Food Bank.
REZA JAHANGIRI CEO AMERICAN ADVISORS GROUP
Reza Jahangiri launched American Advisors Group [AAG] in 2004 and has grown his company to be one of the top wholesale reverse lenders in the nation. Before starting AAG, Jahangiri was a founding partner of HeartSavers, a medical imaging company that worked with Johns Hopkins Hospital on the early detection of heart disease and cancer. A regarded industry expert, Jahangiri is the co-chair of the 2017-2018 board of directors at the National Reverse Mortgage Lenders Association.
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BRANDON MATYAS Loan officer FINANCE OF AMERICA MORTGAGE
Throughout his career, Brandon Matyas has demonstrated a commitment to Finance of America’s core values of “partnership, service, empowerment and excellence” as he strives to meet the needs of his clients and partners. In 2013, Matyas was named a Finance of America Rising Star; since 2015, he has closed more than 370 units worth over $69 million. A mortgage advisor in Finance of America’s Allentown, Pennsylvania, branch, Matyas is licensed to originate mortgage loans in Connecticut, Florida, New Jersey, New York, Ohio and Pennsylvania. He specializes in a variety of loan types, including FHA, VA, USDA, 203k renovation loans, conventional and jumbo loans. Through Finance of America’s reverse and commercial divisions, Matyas also provides access to reverse mortgages and loans for real estate investors.
WILLIAM FISHER Senior vice president of loan origination and marketing CITADEL SERVICING CORPORATION
After taking the reins as senior vice president of loan origination and marketing at Citadel Servicing in 2014, William Fisher has been responsible for guiding the company to four straight years of substantial growth, reviving the non-prime lending segment. Fisher provides the strategic direction for the company’s wholesale, retail and correspondent production sales teams, and oversees all marketing efforts. With more than a decade of mortgage and digital marketing experience, most of it in leadership positions, Fisher previously served as vice president of sales at First Street Financial and director of sales for digital marketer Poptent. An acknowledged non-prime expert, Fisher is a frequent speaker on strategies to help mortgage brokers and bankers reach underserved customers.
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SPECIAL REPORT
HOT 100 MELVIN L. WATT
LORI BREWER
Director
Founder and president
FEDERAL HOUSING FINANCE AGENCY
LBA WARE
In January 2014, Mel Watt was sworn into a five-year term as director of the Federal Housing Finance Agency. Prior to his appointment, Watt represented the 12th district of North Carolina in Congress, where he served on the House Financial Services Committee as part of the Subcommittee on Capital Markets and Government-Sponsored Enterprises and the Subcommittee on Financial Institutions and Consumer Credit. He also served on the House Judiciary Committee, where he was ranking member of the Subcommittee on Intellectual Property, Competition and the Internet. He was also chairman of the Congressional Black Caucus from 2005 to 2006.
JEFF ZULAUF
Lori Brewer founded LBA Ware in 2008 to transform mortgage back-office operations through solutions that leverage automation and system integration. LBA Ware’s flagship product is CompenSafe, the industry’s first cloud-based software for automated LO commission and bonus compensation calculations, designed to help lenders maintain compliance while increasing productivity and profitability. Brewer set out to build CompenSafe at a time when most lenders were still using spreadsheets to manage the complicated calculus involved in LO compensation. Relying on her 10 years of experience in mortgage and IT operations, along with feedback from branch managers, regional VPs, high producers, and HR and payroll administrators, Brewer designed an intuitive platform that enables managers to tie compensation and bonuses directly to specific loan production and performance activity. Under Brewer’s leadership, CompenSafe increased its client base by more than 300% between 2014 and 2016; as of October 2017, CompenSafe had nearly doubled the previous year’s output, clocking more than $686 million in compensation for 320,000 loans totaling more than $73 billion. Nearly 8,500 unique compensation plans were created and managed within the system last year; in total, CompenSafe has calculated more than $1 billion in compensation. “Lori Brewer exemplifies what it means to be an entrepreneur and an innovator,” a colleague says. “She founded LBA Ware ... in the middle of an economic downturn, not to mention the mortgage crisis, and was able to do so without any outside funding.” Recognizing her leadership and the potential of her company to disrupt the mortgage industry, Georgia’s tech incubator, the Advanced Technology Development Center, has accepted LBA Ware into its signature portfolio. Not content to rest on her laurels, Brewer is constantly looking for ways to improve CompenSafe. Her next project is to add benchmarking data to the platform in order to enable lenders to aggregate their production and compensation data to determine profitability at a branch and staff level.
Vice president and mortgage banker
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FIDELITY BANK MORTGAGE
STEVEN JACOBSON
A senior mortgage banker at Fidelity Bank, Jeff Zulauf’s objective is to help as many people as possible realize their dreams of homeownership, while also helping current owners save the most on their loan. “One of the most down-to-earth, hardest-working loan officers I have ever met, Jeff loves his job and helping others achieve homeownership,” a peer says.
Founder and CEO
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FAIRWAY INDEPENDENT MORTGAGE CORPORATION
In April 1996, Steven Jacobson founded Fairway Independent Mortgage Corporation, where he now oversees and directs all business operations for the company’s full-service mortgage lending operation. Within five years of its inception, Fairway achieved $1 billion in closed annual loans; by 2016, the company had reached $17 billion in annual loan volume. A mortgage veteran with more than 30 years of experience, Jacobson previously held executive positions at Waterfield Financial Corporation.
JONATHAN CORR President and CEO ELLIE MAE
Jonathan Corr has served as Ellie Mae’s president since 2013; in 2015, he also took on the role of CEO. Before taking the helm at Ellie Mae, Corr served in various positions within the company, including as chief operating officer and chief strategy officer. He is also a member of Ellie Mae’s board of directors, a position he’s held since 2015. Prior to joining Ellie Mae, Corr held executive and management positions at PeopleSoft, KANA, BroadBase Software and Netscape Communications.
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SPECIAL REPORT
HOT 100 BRENT CHANDLER Founder and CEO FORMFREE
A widely recognized innovator in mortgage and financial services technologies, Brett Chandler created FormFree’s AccountChek in 2007 after his own frustrating home-buying experience fueled an obsession with making loans simpler and safer. Prior to that, Chandler was part of the team that created the world’s first online trade at CheckFree, which was acquired by Fiserv. He later ran several startups in the online and algorithmic trading spaces and was instrumental in leading the “aggregation revolution” at CashEdge (also acquired by Fiserv), where he oversaw sales and development of the CashEdge Wealth Management platform. Chandler has also held senior-level positions on Wall Street at Merrill Lynch and Fidelity, where he became an expert in the mechanics of finance, witnessed the infancy of online trading and learned how to use algorithmic black boxes to enhance the performance of institutional and personal portfolios through more efficient exchanges. Outside of FormFree, Chandler serves on the advisory board of Jawdrop, is a member of the FourAthens Tech Incubator and is a mentor for Georgia’s Terry College of Business Entrepreneurship Program. He also serves on the board of directors for the American Red Cross of Northeast Georgia.
JOE TYRRELL Executive vice president, corporate strategy ELLIE MAE
Joe Tyrrell has served as executive vice president of corporate strategy at Ellie Mae since March 2015, overseeing product strategy, product management, and business and corporate development efforts involving the company’s network of current and potential business partners, as well as merger and acquisition strategies. Tyrrell joined Ellie Mae in 2002; before taking on his current role, he served as Ellie Mae’s senior vice president of corporate strategy and senior vice president of client management and business development. Prior to joining Ellie Mae, Tyrrell held various executive positions within the mortgage industry, including vice president at Providian Financial.
DONALD H. LAYTON CEO FREDDIE MAC
Boasting more than 40 years of experience in financial services and as a corporate leader, Donald Layton has served as Freddie Mac’s CEO since 2012. Prior to joining Freddie Mac, Layton worked for nearly 30 years at JPMorgan Chase and its predecessors, starting as a trainee and rising to vice chairman and member of the three-person Office of the Chairman. After retiring from Chase in 2004, Layton served as chairman and then CEO of E-Trade Financial from 2007 to 2009. He has also been a member of the boards of several financial services firms and was a senior advisor to an industry association.
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ROY KOLDARO Vice president of lending GLOBAL EQUITY FINANCE
Now in his second year on the Hot 100, Roy Koldaro is constantly challenging himself by repeatedly breaking records at Global Equity Finance. He is motivated by being able to find solutions for the most difficult borrower situations and training others for the good of the entire company. Global Equity Finance COO Sarah Panis describes Koldaro as “an admirable leader with the ability to keep his team highly productive, engaged and excited about the work they do. Roy is the gold standard for excellent customer service.” Currently VP of lending at Global Equity Finance, Koldaro joined the company with an MBA from The George Washington University and years of financial services experience, ranging from small financial service firms to a large federal bank. In just under four years, Koldaro has personally helped more than a thousand borrowers, relying on out-of-the box thinking, adaptability and vast amounts of financial knowledge to fund upwards of 20 mortgage loans every month. As a result of his accomplishments, Koldaro was presented with the company’s 2016 and 2017 President’s Club, 2016 and 2017 Out of the Box Thinker, and 2017 Above & Beyond awards.
150 MILLION CLUB
Did you originate $150M or more in US loan volume for 2017? Mortgage Professional America is looking for originators who are at the top of their game to include in our $150 Million Club special report.
Entries will open March 5th
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