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President and mortgage planner

Founder and COO



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.


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.


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.

Mortgage Professional America issue 11.01  

The magazine for mortgage professionals in America.

Mortgage Professional America issue 11.01  

The magazine for mortgage professionals in America.