For the ninth year in a row, we compiled the industry’s most comprehensive list of the nation’s top mortgage
originators. The rankings include
not only the originators who are
closing the most dollar volume and
the most loans, but also the leaders
in niche areas, like Federal Housing
Administration, U.S. Department of
Veterans Affairs and U.S. Department
of Agriculture loans as well as home
equity lines of credit.
View Scotsman Guide’s
Top Originators 2017 at
By Jim Davis
Scott Evans witnessed firsthand the heady times
of the mortgage industry before the housing crisis
He tended bar in the Central California coastal town
of Salinas in the early 2000s, making a six-figure
income from tips serving real estate agents and
“There was one bar to go to, and I was the bartender
there, and they were coming and dropping all of
kinds of cash,” Evans said. “I thought, ‘What is going
on here? ’”
Intrigued, Evans decided to get into the mortgage
industry himself. When he moved to San Diego in
December 2005, Evans continued to bartend, but
also got a job as an originator at a mom-and-pop
He worked both jobs for more than a year. Evans was
happy to start in the business, even though he joined
just before the crash.
“Great time,” Evans said. “I had no business to lose. ”
At that shop, Evans learned a philosophy for prospecting and building relationships with real estate
agents. Those early lessons — and his own hard work
— have served him well.
Evans, now a branch manager for CrossCountry
Mortgage Inc. in San Diego, is one of the top originators in the country, ranking No. 2 this year on
Scotsman Guide’s annual Top Originators rankings
for Top VA Volume — based on 2017 loan data.
He closed more than $87.8 million in U. S. Department
of Veterans Affairs-backed (VA) loans last year.
He recorded a total loan volume of $182.4 million.
He’s seen his business morph over the years. Early
in his career, Evans lived in downtown San Diego,
Jim Davis is editor of Scotsman Guide Residential Edition.
Reach him at (800) 297-6061 or firstname.lastname@example.org.
where many high-rise condo projects were going up.
He became the preferred lender on many of those
“I was just tenacious,” he said. “I kept calling the
With the turmoil of the big banks during the recession,
Evans convinced builders that he could help them
move their product.
In recent years, the market has seen boom times.
Now that the market is tightening again, Evans is
relying on those early skills.
“So many people got so complacent over the past
few years,” Evan said. “It was so easy to get business
that they developed all of the wrong habits. What’s
happening now is just a purging of people.”
Evans has developed mutually beneficial relationships with a pair of top San Diego-area real estate
agents. Those agents had been in the Marines and
have developed a client base of active and former
military. That’s led Evans to focus much of his business on VA loans.
It’s one of the best products on the market, Evans
said. He spends much of his time educating service
personnel about VA loans, speaking in front of large
groups and getting onto Southern California’s many
military bases when he can.
Evans ran into a former client recently who had
been a Marine for years and had never owned a
home. Evans helped him get into a house and the
Marine now has $200,000 in equity. He’s wishes
more active-duty personnel and veterans would
take advantage of VA loans.
“They fought for our country ” Evans said. “They
deserve to own a piece of it.”
Scott Evans, CrossCountry Mortgage Inc.
No. 2 Top VA Volume (2017)