Leading rookies nationwide in 2022, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Geneline Bernales (Discover Bank, NMLS #2316162), Nicole Lozano (Discover Bank, NMLS #2316160), and Rochelle Hollon (Capital One, National Association, NMLS #2351289).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | 2022 Volume | 2022 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Geneline Bernales | 2316162 | Discover Bank | 684042 | — | $16.1M | 177 | $91K |
| #2 | Nicole Lozano | 2316160 | Discover Bank | 684042 | — | $16.5M | 166 | $100K |
| #3 | Rochelle Hollon | 2351289 | Capital One, National Association | 453156 | — | $23.4M | 165 | $142K |
| #3 | Joshua McCoy | 2317779 | Tinker Federal Credit Union | 490973 | Oklahoma City, OK | $9.2M | 165 | $55K |
| #5 | Cassandra Rodgers | 2142830 | Discover Bank | 684042 | — | $14.2M | 158 | $90K |
| #6 | Ciarra Dennis | 2351267 | Capital One, National Association | 453156 | — | $14.9M | 156 | $95K |
| #6 | Rachel Levinson | 2351268 | Capital One, National Association | 453156 | — | $13.9M | 156 | $89K |
| #8 | Shannon Perry | 2351283 | Discover Bank | 684042 | — | $13.5M | 152 | $89K |
| #9 | Danielle Traute | 2351290 | Capital One, National Association | 453156 | — | $13.0M | 150 | $87K |
| #10 | Jennifer Nevins | 2351293 | New American Funding, LLC | 6606 | Scottsdale, AZ | $11.9M | 143 | $83K |
| #11 | Rachele Erickson | 371366 | Washington State Employees Credit Union | 205503 | Olympia, WA | $13.5M | 142 | $95K |
| #12 | Kysha Sharpe | 2310459 | CUMAnet. LLC | 288771 | Basking Ridge, NJ | $17.1M | 141 | $121K |
| #12 | Julia Schoettle | 2220376 | Lakeview Loan Servicing, LLC | 391521 | — | $7.0M | 141 | $50K |
| #14 | Kimberly Macias | 2351287 | Capital One, National Association | 453156 | — | $11.7M | 136 | $86K |
| #15 | John Castore | 12727 | Capital One, National Association | 453156 | — | $12.6M | 131 | $96K |
| #16 | Linda Goins | 2351285 | Discover Bank | 684042 | — | $10.7M | 129 | $83K |
| #17 | Meredith Cain | 2253557 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $33.1M | 127 | $260K |
| #18 | Ashlee Casertano | 1707181 | Guaranteed Rate, Inc. | 2611 | — | $13.6M | 126 | $108K |
| #19 | Kathy Birkelbach | 1081139 | West Capital Lending, Inc. | 1566096 | Irvine, CA | $33.6M | 124 | $271K |
| #20 | Bryant Duncan | 2351282 | Capital One, National Association | 453156 | — | $11.3M | 118 | $96K |
| #21 | Norman Abbott | 2113927 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $30.5M | 115 | $265K |
| #22 | Julia Geesey | 2159847 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $30.1M | 114 | $264K |
| #23 | Jad Moursel | 2351286 | Discover Bank | 684042 | — | $11.9M | 111 | $107K |
| #24 | Alan Tovar Virgen | 2351284 | Discover Bank | 684042 | — | $10.8M | 109 | $99K |
| #25 | Amber Rich-Robinson | 2352708 | Texans Credit Union | 530654 | Richardson, TX | $12.8M | 104 | $123K |
| #26 | Emilia Garcia Cano | 2246790 | Pueblo de Palmas, Inc. | 319106 | Edinburg, TX | $5.0M | 103 | $49K |
| #27 | Guadalupe Rivera | 2351271 | Discover Bank | 684042 | — | $9.1M | 99 | $92K |
| #28 | Nicole Gracia | 2239404 | American Heritage Lending, LLC | 93735 | Lake Forest, CA | $23.7M | 94 | $252K |
| #29 | Nores Fradi | 2279518 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $20.6M | 92 | $223K |
| #30 | Rebekah Fenner | 1005009 | Nationstar Mortgage LLC | 2119 | — | $20.3M | 90 | $226K |
| #30 | David Kassab | 1399107 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $25.5M | 90 | $283K |
| #30 | Zinnia Bozo | 1995111 | Mountain America Federal Credit Union | 462815 | Sandy, UT | $8.9M | 90 | $99K |
| #30 | Carlos Ramirez | 1556946 | New Era Lending LLC | 2424293 | Houston, TX | $24.6M | 90 | $274K |
| #34 | Kenneth Russell | 2332794 | SAFE Federal Credit Union | 419530 | Sumter, SC | $14.5M | 88 | $165K |
| #35 | Adrian Nettles | 2358016 | Navy Federal Credit Union | 399807 | Pensacola, FL | $41.1M | 85 | $484K |
| #36 | Musa Marshall Gill | 2308378 | Spring EQ, LLC | 1464945 | — | $6.4M | 84 | $76K |
| #37 | Mike Vasquez | 654062 | SecurityNational Mortgage Company | 3116 | Phoenix, AZ | $25.4M | 82 | $310K |
| #38 | Samanatha Beauboeuf | 2282328 | T2 Financial LLC | 1686046 | — | $35.1M | 81 | $433K |
| #39 | Macey Kornely | 2328817 | Navy Federal Credit Union | 399807 | — | $24.5M | 80 | $306K |
| #40 | Angela Kilpatrick | 2358015 | Navy Federal Credit Union | 399807 | Pensacola, FL | $40.3M | 79 | $510K |
| #40 | Jared Zeable | 2384447 | Capital One, National Association | 453156 | — | $6.8M | 79 | $86K |
| #42 | Connor Hanson | 2325816 | Global Federal Credit Union | 409001 | — | $7.7M | 78 | $99K |
| #42 | Haley Silva | 2265500 | Point Digital Finance, Inc. | 1610752 | Palo Alto, CA | $26.5M | 78 | $340K |
| #44 | Michael Huggins | 2232510 | U.S. Bank National Association | 402761 | Solvang, CA | $28.4M | 77 | $369K |
| #44 | Annie Thomas | 2400147 | Capital One, National Association | 453156 | — | $6.6M | 77 | $86K |
| #44 | Ashley Hubbard | 1640433 | Lennar Mortgage, LLC | 1058 | Tempe, AZ | $28.8M | 77 | $374K |
| #44 | Noah Belrose | 2275288 | GoodLeap, LLC | 30336 | Roseville, CA | $20.3M | 77 | $263K |
| #44 | Lilly Soriano | 2328818 | Navy Federal Credit Union | 399807 | Pensacola, FL | $24.8M | 77 | $322K |
| #49 | Noelle Ellavich | 2369433 | Atlas Property Lending LLC | 2387001 | Royal Oak, MI | $7.9M | 76 | $104K |
| #49 | Nicole Banks | 2308213 | Navy Federal Credit Union | 399807 | Pensacola, FL | $33.4M | 76 | $440K |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Leading Rookies by Loan Count — Nationwide (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-rookie-by-units/2022
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