Leading rookies in North Carolina in 2023, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Erin Currin (Velocio Mortgage L.L.C., NMLS #2445834), Joshan Habeeb (The Practical Mortgage Solution LLC, NMLS #2453453), and Alexei Kotchetov (Mortgage Research Center, LLC, NMLS #2483252).
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 | 2023 Volume | 2023 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Erin Currin | 2445834 | Velocio Mortgage L.L.C. | 1529234 | Raleigh, NC | $11.3M | 30 | $376K |
| #2 | Joshan Habeeb | 2453453 | The Practical Mortgage Solution LLC | 2465241 | Rock Hill, SC | $8.3M | 22 | $376K |
| #3 | Alexei Kotchetov | 2483252 | Mortgage Research Center, LLC | 1907 | Fayetteville, NC | $5.2M | 20 | $258K |
| #4 | Darly Goines | 2475718 | Pure Processing LLC | 2587093 | Siler City, NC | $4.5M | 17 | $266K |
| #5 | Stephanie Hardie | 2507113 | State Employees' Credit Union | 430055 | Raleigh, NC | $1.9M | 16 | $119K |
| #6 | Teresa Dowsett | 2467654 | Nexus Nova LLC | 2082961 | Charlotte, NC | $2.8M | 15 | $187K |
| #6 | Trevor Flaten | 2450040 | Eagles Mortgage Group, Inc | 1661415 | Goldsboro, NC | $3.3M | 15 | $218K |
| #8 | Ariana Ramirez | 2462821 | Capital One, National Association | 453156 | — | $1.1M | 13 | $87K |
| #9 | Samantha Williams | 2463858 | Residential Wholesale Mortgage, Inc. | 79445 | Charlotte, NC | $3.9M | 12 | $329K |
| #9 | Jaylen Shelton | 2462825 | Capital One, National Association | 453156 | — | $1.1M | 12 | $89K |
| #9 | Hunter Humphrey | 2462823 | Capital One, National Association | 453156 | — | $1.1M | 12 | $88K |
| #12 | Ashley Cardona | 1955575 | Lennar Mortgage, LLC | 1058 | Morrisville, NC | $2.9M | 11 | $268K |
| #13 | Brandon Travis | 2443751 | Reliance First Capital, LLC | 58775 | — | $1.8M | 10 | $176K |
| #13 | Melissa McKinney | 2460042 | Guild Mortgage Company LLC | 3274 | Fayetteville, NC | $1.9M | 10 | $191K |
| #15 | Tyler Burke | 2482319 | NVR Mortgage Finance, Inc. | 1127 | Charlotte, NC | $3.0M | 9 | $337K |
| #15 | Rena Tilghman | 2462827 | Capital One, National Association | 453156 | — | $650K | 9 | $72K |
| #15 | Migon Drummond | 2464674 | First Coast Mortgage Funding LLC | 1953441 | Jacksonville, FL | $2.2M | 9 | $249K |
| #15 | Joshua Young | 2408424 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | $1.4M | 9 | $161K |
| #19 | jin zhang | 1923890 | OrangePath Financial Inc. | 2070941 | Flushing, NY | $2.2M | 8 | $271K |
| #19 | MICHAEL FARGAS | 2466446 | Alcova Mortgage LLC | 40508 | — | $4.3M | 8 | $537K |
| #19 | Heather Serrano | 2478597 | First Technology Federal Credit Union | 466914 | Marlborough, MA | $1.1M | 8 | $134K |
| #19 | Karthikeyan Kaduvettipalayam Sankarappan | 2507848 | Ram Mortgage, LLC | 2301828 | Charlotte, NC | $3.6M | 8 | $450K |
| #23 | Andrew Perez | 2467518 | New Day Financial, LLC | 1043 | Fulton, MD | $1.5M | 7 | $219K |
| #23 | Gustavo Garduno Vidal | 2100443 | Upmortgage, LLC | 1898236 | Charlotte, NC | $1.6M | 7 | $233K |
| #23 | Jessica Evans | 2456832 | Atlantic Coast Mortgage, LLC | 643114 | Kitty Hawk, NC | $3.1M | 7 | $436K |
| #23 | Deepa Chamlagai | 2399132 | PRESTIGE MORTGAGE LENDING LLC | 2587430 | Mint Hill, NC | $2.5M | 7 | $361K |
| #23 | Dylan Bachi | 1888856 | USA MORTGAGE PLAN, LLC | 2758507 | Troy, MI | $3.5M | 7 | $498K |
| #23 | ELENI GROSSKOPF | 1734281 | emm loans llc | 2926 | Wilmington, NC | $1.2M | 7 | $164K |
| #29 | Mary Jones | 2503188 | Capital One, National Association | 453156 | — | $472K | 6 | $79K |
| #29 | Vesna Stimac | 2481344 | Discover Bank | 684042 | — | $625K | 6 | $104K |
| #29 | Delaney Campbell | 2413537 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.1M | 6 | $189K |
| #29 | Eliza Mack | 2441832 | Loan Factory, Inc. | 320841 | — | $1.3M | 6 | $213K |
| #29 | Nikeo Crozat | 2424746 | Global Equity Finance, Inc. | 13116 | — | $1.1M | 6 | $189K |
| #29 | William Hua | 2468491 | FIRST SAVINGS BANK | 411341 | — | $1.4M | 6 | $231K |
| #35 | Lauren Vanderelzen | 2503187 | Discover Bank | 684042 | — | $440K | 5 | $88K |
| #35 | Patrick Nitsche | 728744 | Allied Mortgage Group, Inc. | 1067 | Charlotte, NC | $1.5M | 5 | $291K |
| #35 | Kristen Word | 2455759 | Encompass Lending Group, LP. | 292897 | — | $1.6M | 5 | $330K |
| #35 | Giorgio DelGrosso | 2472221 | New Era Lending LLC | 2424293 | — | $625K | 5 | $125K |
| #35 | Misty Clark | 2460087 | VLG, LLC | 2441426 | — | $1.4M | 5 | $284K |
| #35 | Marlena Cetiner | 2465568 | First National Bank of Pennsylvania | 766529 | Shallotte, NC | $274K | 5 | $55K |
| #35 | Mateo Waldburger | 2397751 | Convoy Home Loans, Inc. | 2130517 | El Segundo, CA | $784K | 5 | $157K |
| #35 | Ronald Heaslet | 2445039 | Fairway Independent Mortgage Corporation | 2289 | Charlotte, NC | $1.3M | 5 | $265K |
| #35 | Thomas Reichenberger | 2380469 | NEXA Mortgage, LLC | 1660690 | — | $1.7M | 5 | $338K |
| #35 | Christopher Phillips | 1929696 | Discover Bank | 684042 | — | $436K | 5 | $87K |
| #35 | Claudet Miller | 2335738 | Capital One, National Association | 453156 | — | $350K | 5 | $70K |
| #35 | Jamieson Marino | 2462824 | Capital One, National Association | 453156 | — | $476K | 5 | $95K |
| #35 | Briana Bailey | 2481341 | Discover Bank | 684042 | — | $380K | 5 | $76K |
| #35 | Michael Joyce | 2452880 | New American Funding, LLC | 6606 | Novi, MI | $415K | 5 | $83K |
| #35 | Courtney Sullivan | 2452487 | Royal United Mortgage LLC | 13390 | — | $884K | 5 | $177K |
| #35 | Arlene Serrano | 2414405 | MAS Financial LLC | 2461016 | Cary, NC | $1.2M | 5 | $246K |
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 — North Carolina (2023). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-rookie-by-units/2023
Powered by ChatMMI