Leading rookies in New Jersey in 2024, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Luis Martinez (Everett Financial, Inc., NMLS #1428975), Jonathan Pamphile (MORTGAGE NOW, INC., NMLS #2577372), and Steven Moser (Police and Fire Federal Credit Union, NMLS #2621664).
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 | 2024 Volume | 2024 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Luis Martinez | 1428975 | Everett Financial, Inc. | 2129 | Paramus, NJ | $14.4M | 28 | $514K |
| #2 | Jonathan Pamphile | 2577372 | MORTGAGE NOW, INC. | 117338 | Shrewsbury, NJ | $9.0M | 22 | $408K |
| #3 | Steven Moser | 2621664 | Police and Fire Federal Credit Union | 800659 | — | $1.3M | 18 | $71K |
| #4 | Amber Marchese | 940229 | MORTGAGE NOW, INC. | 117338 | Shrewsbury, NJ | $10.0M | 16 | $622K |
| #5 | Avrohom Klein | 2559703 | BSD Funding, LLC | 1404226 | Brooklyn, NY | $7.4M | 14 | $527K |
| #5 | Erica Sunstein | 2584899 | PennyMac Loan Services, LLC | 35953 | Tampa, FL | $3.5M | 14 | $248K |
| #7 | Chase Timko | 2561064 | PennyMac Loan Services, LLC | 35953 | — | $2.8M | 13 | $216K |
| #8 | Cindy Bengtson | 2573118 | Capital One, National Association | 453156 | — | $1.2M | 12 | $100K |
| #8 | Kellie Pelland | 2573120 | Capital One, National Association | 453156 | — | $1.2M | 12 | $104K |
| #10 | Joel Nunez | 2571916 | NFM Lending, LLC | 2893 | East Rutherford, NJ | $2.8M | 11 | $255K |
| #10 | Jonathan Brunone | 2539539 | MORTGAGE NOW, INC. | 117338 | Shrewsbury, NJ | $3.2M | 11 | $292K |
| #10 | Stephanie Garcia | 2573122 | Capital One, National Association | 453156 | — | $1.3M | 11 | $115K |
| #13 | Brian Holguin | 2573116 | Discover Bank | 684042 | — | $1.2M | 10 | $116K |
| #13 | Yliana Torres | 2597511 | Capital One, National Association | 453156 | — | $740K | 10 | $74K |
| #15 | Jana Kiemm | 2569970 | Rocket Mortgage, LLC | 3030 | Lake Forest, CA | $3.0M | 9 | $329K |
| #15 | Jake Bourns | 2608123 | Nationstar Mortgage LLC | 2119 | — | $1.4M | 9 | $155K |
| #17 | Bridgette Schoultz | 2590103 | NewRez LLC | 3013 | Fort Washington, PA | $802K | 8 | $100K |
| #17 | Jasmine Edmison | 2573119 | Capital One, National Association | 453156 | — | $727K | 8 | $91K |
| #19 | Jorge Machado | 50028 | MR RATE RESIDENTIAL MORTGAGE CORP | 2379707 | Paramus, NJ | $3.1M | 7 | $448K |
| #19 | Heather Held | 2597505 | Capital One, National Association | 453156 | — | $780K | 7 | $111K |
| #19 | Ryan Hayward | 2570935 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $1.0M | 7 | $148K |
| #19 | YEIMI TIFA CALCANO | 2523285 | A-M-S Mortgage Services, Inc. | 20843 | Newark, NJ | $3.7M | 7 | $528K |
| #19 | DaVita Talbert | 2573706 | Fulton Bank, National Association | 485401 | — | $580K | 7 | $83K |
| #19 | David Dion | 2573705 | Capital One, National Association | 453156 | — | $931K | 7 | $133K |
| #25 | Daniela Bliss | 246093 | Mutual of Omaha Mortgage, Inc. | 1025894 | — | $507K | 6 | $85K |
| #25 | Christopher Fano | 2582571 | loanDepot.com, LLC | 174457 | Hoboken, NJ | $2.5M | 6 | $415K |
| #25 | Riley Lake | 2472343 | loanDepot.com, LLC | 174457 | Irvine, CA | $996K | 6 | $166K |
| #25 | Jeffrey Petersen | 363207 | New American Funding, LLC | 6606 | — | $716K | 6 | $119K |
| #25 | Patricia Lemus Moreno | 2597507 | Capital One, National Association | 453156 | — | $816K | 6 | $136K |
| #25 | Gregory Newton | 836994 | Pentagon Federal Credit Union | 401822 | San Antonio, TX | $1.4M | 6 | $233K |
| #25 | Grace Zurinskas | 395844 | Meridian Bank | 462854 | — | $2.0M | 6 | $339K |
| #25 | Shifawn Kwei | 2620133 | Capital One, National Association | 453156 | — | $433K | 6 | $72K |
| #25 | Kyle Torriero | 2216027 | CrossCountry Mortgage, LLC | 3029 | Philadelphia, PA | $2.4M | 6 | $404K |
| #25 | Daniela Garcia | 2265659 | think one mortgage inc | 125182 | Denville, NJ | $2.5M | 6 | $416K |
| #25 | Greg Wareham | 2618922 | The Federal Savings Bank | 411500 | Holmdel, NJ | $2.0M | 6 | $339K |
| #25 | Svitlana Lymar | 2597510 | Capital One, National Association | 453156 | — | $510K | 6 | $85K |
| #37 | Brian Ortiz Torres | 2447354 | New American Funding, LLC | 6606 | — | $931K | 5 | $186K |
| #37 | Richard Goeckel | 488364 | PennyMac Loan Services, LLC | 35953 | — | $396K | 5 | $79K |
| #37 | Tara Hoskins | 2573123 | Discover Bank | 684042 | — | $437K | 5 | $87K |
| #37 | Susan Thom | 2547874 | Mutual of Omaha Mortgage, Inc. | 1025894 | Chesterfield, MO | $3.0M | 5 | $604K |
| #37 | Timothy McNulty | 2568401 | Primary Residential Mortgage, Inc. | 3094 | Salt Lake City, UT | $1.3M | 5 | $258K |
| #37 | Eric Kosinski | 2272198 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | — | $1.9M | 5 | $371K |
| #37 | Christopher Alvarez | 2565246 | LionOak Mortgage LLC | 2537226 | Springfield, NJ | $2.4M | 5 | $475K |
| #44 | Jaclyn Berryman | 2569239 | UNMB Home Loans Inc. | 7230 | Freehold, NJ | $2.1M | 4 | $513K |
| #44 | Neela Chintalapudi | 2573121 | Capital One, National Association | 453156 | — | $365K | 4 | $91K |
| #44 | Kevin Zhu | 2590106 | NewRez LLC | 3013 | Fort Washington, PA | $307K | 4 | $77K |
| #44 | Juliana Upegui | 2247219 | Nationwide Mortgage Bankers, Inc. | 819382 | East Rutherford, NJ | $1.5M | 4 | $381K |
| #44 | Alene Flanders | 2573115 | Capital One, National Association | 453156 | — | $325K | 4 | $81K |
| #44 | Brian Garcia | 2603320 | Freedom Mortgage Corporation | 2767 | — | $1.4M | 4 | $341K |
| #44 | Christopher Ambrose | 2590064 | Freedom Mortgage Corporation | 2767 | — | $1.7M | 4 | $421K |
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 — New Jersey (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/new-jersey/top-rookie-by-units/2024
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