Name #
1 Christopher Vincent Hussain
2 Michael Meena
3 Brian Minkow
4 Trevor Brooks
5 Devin Daniels Jr.
6 Jeffrey Blackey
7 Allyson Kreycik
8 Alma Fragoso
9 John Vlogianitis
10 Ryan Paquin
11 Joe Smith
12 Risha Kilaru
13 Dan Holtz
14 Manuel D. Corral
15 Brian Atallian
16 Kevin Swift
17 Paul Volpe
18 Patrick Kobielsky
19 Scott Gimbel
20 Ryan Sandell
21 Steve Grossman
22 Jon Tobias
23 LisaMarie Nicholas
24 Linda Mister
25 Joseph Bigelman
26 Pat Sepulveda
27 Jason Kravitz
28 Chris Burns
29 Bob Molnar
30 Jason Infanti
31 Chris McRae
32 Ryan Nelson
33 Sandy Davis
34 Rodrigo Ballon
35 Sam Bursch
36 Steven Slaski
37 George Pedro
38 Matt Andre
39 Brant Smith
40 Billy Winfree
41 Joseph Parisi
42 Benjamin Edwardson
43 Michael Roberts
44 Chris Nooney
45 Tonya Esquibel
46 Heather Bomar
47 Natasha Wall
48 Heather Devoto
49 Todd Waterson
50 Diane T. Clark
51 Mike Hartunian
52 Brett Millls
53 Carey Ann Cyr
54 Courtney Walker
55 Joshua Feldman
56 Derrick Polder
57 Andrew Soss
58 Molly Meeker
59 Greg M. Armstrong
60 Beata Bukowski
61 Joshua Sigman
62 Mark Lewin
63 Jason Griesser
64 Melody Gomez
65 RJ Crosby
66 Ryan Mecum
67 Marissa K. Nevis
68 Kevin Long
69 Scott Evans
70 William Katakis
71 Louise Thaxton
72 Joan Fitzgerald
73 Peter Accolla
74 Cynthia Bradley
75 Ben Barrett
Company
WeFit2U Inc.
Augusta Financial Inc.
Prospect Mortgage
First Mortgage Corp.
First Mortgage Corp.
First Mortgage Corp.
Guaranteed Rate
First Mortgage Corp.
Wells Fargo Home Mortgage
First Home Mortgage
Guaranteed Rate
Prospect Mortgage
Sovereign Lending Group Inc.
Golden Empire Mortgage
Pike Creek Mortgage
Prime Source Mortgage
NOVA Home Loans
First Mortgage Corp.
Citywide Mortgage Corp.
Academy Mortgage Corp.
NJ Lenders Corp.
NOVA Home Loans
PrimeLending
SWBC Mortgage
John Adams Mortgage
First Mortgage Corp.
Mortgage Capital Associates Inc.
First Mortgage Corp.
First Mortgage Corp.
Trident Mortgage Co.
Prospect Mortgage
Academy Mortgage Corp.
Residential Home Funding Corp.
PrimeLending
Cornerstone Home Lending
Premier Residential Mortgage Co.
Mortgage Master Inc.
FBC Mortgage LLC
Homeowners Financial Group
Pinnacle National Bank
Prospect Mortgage
Megastar Financial Corp.
City Creek Mortgage Corp.
PrimeLending
SWBC Mortgage
Cornerstone Home Lending
Denver Mortgage Co.
First Home Mortgage Corp.
First Mortgage Corp.
PrimeLending
Prospect Mortgage
Academy Mortgage Corp.
PrimeLending
NOVA Home Loans
Sun Trust Mortgage
NOVA Home Loans
Stewart & Soss Mortgage
Prospect Mortgage
Canyons Mortgage LLC
Ultimate Rate Mortgage
Legacy Mutual Mortgage
MetLife Home Loans
Trident Mortgage Co.
First Mortgage Corp.
PrimeLending
Wintrust Mortgage
PrimeLending
PrimeLending
PrimeLending
PrimeLending
Fairway Independent Mortgage Corp.
Trident Mortgage Co.
McLean Mortgage Corp.
Wallick & Volk
Lincoln Federal Savings Bank
State
CA
CA
CA
CA
CA
CA
IL
CA
NY
MD
MA
CA
CA
CA
DE
OK
AZ
NV
IL
AZ
NJ
AZ
CT
TX
MI
CA
CA
CA
CA
DE
CA
AZ
NJ
CA
OK
PA
MA
FL
AZ
TN
CA
CA
UT
TX
TN
OK
CO
VA
CA
TX
CA
UT
TN
AZ
SC
AZ
CA
CA
UT
IL
TX
IN
PA
CA
AZ
IL
CA
TN
CA
CA
LA
DE
VA
WY
NE
FHA Volume
$177,596,963
$43,435,065
$38,215,498
$34,682,697
$31,094,032
$29,972,209
25,687,144
$25,262,490
25,127,781
$24,477,414
$23,521,462
$23,259,453
$23,250,125
$23,227,882
$22,452,809
$22,178,256
$21,812,094
$21,804,876
$21,673,987
$21,469,445
$21,376,885
$20,972,235
$19,780,081
$19,099,965
$18,906,395
$18,748,201
$18,645,275
$18,184,932
$18,056,637
$18,016,798
$17,590,337
$17,583,661
$17,581,042
$17,447,437
$17,423,556
$17,184,113
$16,910,078
$16,895,313
$16,888,484
$16,792,932
$16,526,780
$16,451,573
$16,440,697
$16,122,848
$15,902,534
$15,850,158
$15,848,326
$15,725,447
$15,608,768
$15,531,004
$15,525,279
$15,447,030
$15,410,814
$15,355,479
$15,141,250
$15,111,045
$15,003,647
$14,985,397
$14,673,480
$14,506,445
$14,490,727
$14,480,380
$14,461,316
$14,188,368
$14,043,336
$13,867,635
$13,796,135
$13,667,118
$13,657,010
$13,619,292
$13,524,913
$13,501,149
$13,484,833
$13,447,251
$13,314,105
Total Volume
Total
Closed
Loans
Percent
FHA
Loans
Overall
Closing
Ratio
FHA
Closing
Ratio
Broker/
Banker
$253,709,948 653 70% 99% 99% Both
$143,047,252 443 30% 97% 97% Both
$187,628,451 507 20% 70% 66% Banker
$51,261,393 185 68% 90% 95% Banker
$40,263,134 156 77% 90% 95% Banker
$45,108,550 151 66% 90% 95% Banker
$118,425,395 328 22% 90% 90% Both
$26,769,537 97 94% 85% 85% Banker
$187,168,000 441 13% 70% 70% Banker
$37,763,383 163 65% 80% 75% Banker
$121,511,948 348 19% 82% 92% Both
$77,744,750 220 30% 69% 70% Banker
$73,250,549 176 32% 80% 75% Broker
$39,746,022 194 58% 89% 55% Broker
$34,542,784 148 65% 91% 93% Banker
$34,120,395 218 65% 95% 95% Banker
$137,735,768 664 16% 95% 95% Both
$35,516,618 198 61% 90% 95% Banker
$35,041,588 213 62% 95% 80% Both
$32,904,742 248 65% 99% 99% Both
$142,512,573 293 15% 83% 75% Broker
$50,231,809 319 42% 99% 99% Both
$54,330,302 217 36% 90% 90% Banker
$46,764,378 302 41% 99% 99% Banker
$49,652,160 296 38% 90% 95% Both
$21,248,310 85 88% 85% 85% Banker
$61,549,069 235 30% 75% 75% Banker
$24,577,496 100 74% 100% 100% Banker
$20,629,135 103 88% 90% 95% Banker
$52,794,208 246 34% 95% 95% Banker
$57,395,362 190 31% 90% 87% Banker
$30,091,527 199 58% 79% 84% Banker
$41,920,645 176 42% 88% 91% Both
$48,932,468 184 36% 93% 89% Banker
$29,716,585 202 59% 86% 89% Banker
$48,973,412 269 35% 95% 95% Banker
$36,805,557 198 46% 75% 75% Both
$46,493,350 294 36% 95% 95% Banker
$19,927,938 88 85% 80% 85% Banker
$77,861,527 328 22% 75% 80% Banker
$90,320,442 214 18% 74% 75% Banker
$24,893,071 141 66% 95% 95% Banker
$61,333,825 262 27% 78% 95% Broker
$61,158,827 291 26% 87% 82% Banker
$41,191,638 241 39% 35% 80% Broker
$61,535,425 289 26% 84% 100% Banker
$39,892,322 210 40% 89% 97% Banker
$69,260,590 153 23% 96% 100% Broker
$41,525,445 171 38% 90% 95% Banker
$116,204,382 385 13% 95% 98% Banker
$115,505,609 233 13% 77% 84% Banker
$39,093,155 220 40% 71% 65% Banker
$43,844,818 228 35% 80% 95% Banker
$62,154,570 366 25% 90% 90% Both
$64,725,594 218 23% 75% 90% Banker
$36,818,928 240 41% 90% 90% Both
$61,998,542 138 24% 83% 98% Banker
$29,950,596 185 50% 88% 85% Banker
$20,845,500 96 70% 80% 75% Broker
$37,550,070 174 39% 95% 95% Broker
$66,245,561 316 22% 99% 99% Banker
$57,872,938 397 25% 90% 90% Banker
$94,519,531 354 15% 95% 95% Banker
$16,260,868 66 87% 80% 80% Banker
$58,823,742 283 24% 60% 50% Banker
$67,960,016 245 20% 90% 95% Banker
$23,308,030 150 59% 27% 24% Banker
$36,226,877 180 38% 84% 68% Banker
$81,578,479 262 17% 88% 74% Banker
$39,191,597 140 35% 94% 94% Banker
$64,453,474 356 21% 90% 90% Banker
$26,923,568 146 50% 95% 95% Banker
$50,471,455 141 27% 70% 85% Banker
$36,713,120 208 37% 95% 95% Banker
$44,380,349 284 30% 90% 90% Banker
Staff
Apps.
Taken
Yrs.
in
Biz
100% 0 12
100% 4 21
100% 3 15
100% 0 11
100% 0 7
100% 0 20
98% 1 9
100% 1 20
100% 2 11
95% 1 9
78% 3 19
100% 3 6
100% 2 9
100% 1 31
100% 1 11
100% 1 20
75% 3 14
100% 0 17
95% 2 25
75% 2 9
65% 2 20
40% 2 4
100% 1 8
90% 2 30
85% 2 13
100% 1 25
100% 2 6
50% 0 20
100% 1 33
100% 1 9
100% 1 11
100% 0 11
100% 1 7
80% 3 7
100% 2 5
100% 1 15
100% 0 25
50% 2 7
100% 0 12
100% 1 11
100% 1 24
100% 1 8
85% 2 14
80% 2 8
10% 2 8
100% 3 9
90% 1 20
100% 0 10
100% 0 23
99% 1 28
100% 1 26
100% 0 14
80% 2 9
65% 3 12
100% 1 13
50% 2 5
40% 1 8
100% 1 8
100% 1 16
100% 1 20
100% 5 8
100% 1 15
100% 1 9
100% 1 15
25% 2 10
100% 4 12
100% 2 4
90% 1 9
90% 2 6
100% 0 19
50% 4 14
100% 1 19
100% 2 3
95% 2 10
100% 1 24
Volume Rank: #23 | Closed-Loans Rank: #17
2
2011
Top FHA
Volume
Michael Meena
Augusta Financial Inc.
For Michael Meena, properly educating clients about
product offerings is one of the keys to success, espe-
cially when it comes to Federal Housing Administra-
tion (FHA) loans.
“That’s the most important part about [working with
FHA borrowers],” Meena says, “speaking with them,
sitting down with them, making sure that they un-
derstand what they’re doing and what they’re get-
ting into.”
Yet Meena’s emphasis on education doesn’t end
with the client. He stresses educating oneself just as
fervently. “If you want to be a good loan officer,” he
says, “learn your products. Have product knowledge.
A lot of loan officers out there don’t understand what
they’re selling.”
Such a high degree of product knowledge and cus-
tomer service certainly seems to be paying off. Based
in Newhall, Calif., Meena closed more than $143 mil-
lion in loans this past year, an increase of several mil-
lion from his volume the previous year. Of his 2011
total, more than $43 million consisted of FHA loans.
The balance of Meena’s purchase business and refi-
nance business is impressive, as well. Refis accounted
for more than $67 million of his loan volume, while
purchase loans accounted for more than $75 million.
Despite this relatively even balance, Meena says that
he focuses first on his purchases — and he does so
out of necessity.
“I can make a living off of my purchase business,”
he says, “but I can’t make a living off of refi business
100 percent of the time. [My] focus is always on pur-
chases, and if [I] get the refis, too, that’s fantastic.” (RF)
FHA-Volume Rank: #8 | Percent FHA Loans: 94% 1 2011 Top FHA-Volume Ratio
Alma Fragoso
First Mortgage Corp.
What’s the key to doing a high volume in Federal
Housing Administration (FHA) loans? “You have to
know your guidelines,” Alma Fragoso says. And be-
cause guidelines are continually changing, you have
to keep learning. Which can be difficult, as Fragoso
knows: She’s been working with FHA loans for more
than 20 years.
Based in the Los Angeles area, Fragoso is a mortgage
banker with First Mortgage Corp. In 2011, she closed
more than $25 million in FHA loans, making up 94%
of her total volume of $26,769,537. “In the area that
I work in,” she says, “there are a lot of first-time
homebuyers.” And these borrowers need the kind of
products that the FHA can provide. They often have
limited credit and use gift money for their downpay-
ments, two things that are easier to manage with
FHA loans, Fragoso says.
First-time homebuyers also need a fair amount
of hand-holding. “I feel like I put a lot of time into
them,” Fragoso says. “It’s their first house. They’re
nervous; they have questions. Who else is going to
explain it to them better than us?” She also strives to
meet with her clients in person. “I’m old school,” she
laughs. “I hate doing things over e-mail because you
lose that connection.”
Fragoso also tries to go the extra mile, working
weekends if necessary to make sure that loans close
on time and clients’ questions are answered. All that
effort is worth it, however, when the deal closes. “It’s
a great satisfaction to know that you helped some-
one to get their house,” she says. (JEG)
