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 October 11, 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 | San Antonio, TX | $11.0M | 29 | $379K |
| #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 | $4.8M | 18 | $267K |
| #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 | Jaylen Shelton | 2462825 | Capital One, National Association | 453156 | — | $1.1M | 13 | $88K |
| #8 | Ariana Ramirez | 2462821 | Capital One, National Association | 453156 | — | $1.1M | 13 | $87K |
| #10 | Samantha Williams | 2463858 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $3.9M | 12 | $329K |
| #10 | 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 | Migon Drummond | 2464674 | First Coast Mortgage Funding LLC | 1953441 | Jacksonville, FL | $2.2M | 9 | $249K |
| #15 | Rena Tilghman | 2462827 | Capital One, National Association | 453156 | — | $650K | 9 | $72K |
| #15 | Joshua Young | 2408424 | Lakeview Loan Servicing, LLC | 391521 | Coral Gables, FL | $1.4M | 9 | $161K |
| #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 |
| #19 | MICHAEL FARGAS | 2466446 | Alcova Mortgage LLC | 40508 | — | $4.3M | 8 | $537K |
| #19 | jin zhang | 1923890 | OrangePath Financial Inc. | 2070941 | Flushing, NY | $2.2M | 8 | $271K |
| #23 | Andrew Perez | 2467518 | New Day Financial, LLC | 1043 | Fulton, MD | $1.5M | 7 | $219K |
| #23 | Jessica Evans | 2456832 | Atlantic Coast Mortgage, LLC | 643114 | Kitty Hawk, NC | $3.1M | 7 | $436K |
| #23 | ELENI GROSSKOPF | 1734281 | emm loans llc | 2926 | Wilmington, NC | $1.2M | 7 | $164K |
| #23 | Gustavo Garduno Vidal | 2100443 | Upmortgage, LLC | 1898236 | Charlotte, NC | $1.6M | 7 | $233K |
| #23 | Dylan Bachi | 1888856 | USA MORTGAGE PLAN, LLC | 2758507 | Troy, MI | $3.5M | 7 | $498K |
| #23 | Deepa Chamlagai | 2399132 | Loan Factory, Inc. | 320841 | Charlotte, NC | $2.5M | 7 | $361K |
| #29 | William Hua | 2468491 | FIRST SAVINGS BANK | 411341 | — | $1.4M | 6 | $231K |
| #29 | Nikeo Crozat | 2424746 | Global Equity Finance, Inc. | 13116 | — | $1.1M | 6 | $189K |
| #29 | Eliza Mack | 2441832 | Loan Factory, Inc. | 320841 | — | $1.3M | 6 | $213K |
| #29 | Mary Jones | 2503188 | Capital One, National Association | 453156 | — | $472K | 6 | $79K |
| #29 | Delaney Campbell | 2413537 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.1M | 6 | $189K |
| #29 | Vesna Stimac | 2481344 | Discover Bank | 684042 | — | $625K | 6 | $104K |
| #35 | Courtney Sullivan | 2452487 | Royal United Mortgage LLC | 13390 | — | $884K | 5 | $177K |
| #35 | Stacy Barton | 2407580 | Mortgage Research Center, LLC | 1907 | Columbia, MO | $1.2M | 5 | $236K |
| #35 | Christopher Phillips | 1929696 | Discover Bank | 684042 | — | $436K | 5 | $87K |
| #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 | Briana Bailey | 2481341 | Discover Bank | 684042 | — | $380K | 5 | $76K |
| #35 | Arlene Serrano | 2414405 | MAS Financial LLC | 2461016 | — | $1.2M | 5 | $246K |
| #35 | Justin Roland | 2452150 | Leverage Lending Group LLC | 40030 | Charlotte, NC | $1.6M | 5 | $329K |
| #35 | Misty Clark | 2460087 | VLG, LLC | 2441426 | — | $1.4M | 5 | $284K |
| #35 | Patrick Nitsche | 728744 | Allied Mortgage Group, Inc. | 1067 | Charlotte, NC | $1.5M | 5 | $291K |
| #35 | Lauren Vanderelzen | 2503187 | Discover Bank | 684042 | — | $440K | 5 | $88K |
| #35 | Kristen Word | 2455759 | Encompass Lending Group, LP. | 292897 | — | $1.6M | 5 | $330K |
| #35 | Michael Joyce | 2452880 | New American Funding, LLC | 6606 | Novi, MI | $415K | 5 | $83K |
| #35 | Alexander Geung | 2463817 | Rocket Mortgage, LLC | 3030 | — | $840K | 5 | $168K |
| #35 | Tiana Torres | 1722283 | Discover Bank | 684042 | — | $320K | 5 | $64K |
| #35 | Thomas Reichenberger | 2380469 | NEXA Mortgage, LLC | 1660690 | — | $1.7M | 5 | $338K |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/north-carolina/top-rookie-by-units/2023
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