Leading rookies in Arizona this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 19, 2026, the top 3 include Charles Fertal (Forward Holdings LLC, NMLS #2779555), Michelle Younan (Rocket Mortgage, LLC, NMLS #2189864), and Derick Benitez (PennyMac Loan Services, LLC, NMLS #2734285).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | YTD Volume | YTD Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Charles Fertal | 2779555 | Forward Holdings LLC | 2006640 | Phoenix, AZ | $1.6M | 4 | $405K |
| #2 | Michelle Younan | 2189864 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $347K | 3 | $116K |
| #2 | Derick Benitez | 2734285 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $880K | 3 | $293K |
| #2 | Mark Spray | 2786193 | Saxton Mortgage, LLC | 1717191 | San Diego, CA | $1.3M | 3 | $434K |
| #2 | Jonathan Nguyen | 2784835 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $474K | 3 | $158K |
| #2 | Deshauna Rainer | 2794706 | Amerisave Mortgage Corporation | 1168 | Sandy Springs, GA | $521K | 3 | $174K |
| #2 | Rachel Pepin | 2784838 | Amerisave Mortgage Corporation | 1168 | Sandy Springs, GA | $325K | 3 | $108K |
| #2 | Serena O'Loughlin | 2754119 | River City Mortgage LLC | 142954 | Blue Ash, OH | $1.2M | 3 | $386K |
| #2 | Misael Ramos | 2785399 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $1.2M | 3 | $396K |
| #10 | Sage Moninger | 2785589 | PennyMac Loan Services, LLC | 35953 | Carrollton, TX | $302K | 2 | $151K |
| #10 | Jose Real | 2742863 | New American Funding, LLC | 6606 | Santa Ana, CA | $439K | 2 | $220K |
| #10 | Kole Clay | 2786965 | Lower, LLC | 1124061 | Columbus, OH | $336K | 2 | $168K |
| #10 | Tera Barr | 2784823 | PennyMac Loan Services, LLC | 35953 | Franklin, TN | $676K | 2 | $338K |
| #10 | William Stokes | 149107 | SayGo Home Loans, LLC | 2525432 | Scottsdale, AZ | $961K | 2 | $480K |
| #10 | Jessica Leon | 2760514 | midland federal savings and loan association | 446746 | Bridgeview, IL | $1.2M | 2 | $583K |
| #10 | Ian Hanrahan | 2795802 | American Pacific Mortgage Corporation | 1850 | San Antonio, TX | $936K | 2 | $468K |
| #10 | Lilia Trejo | 2701250 | Hometown Lending Inc | 2712965 | Dallas, TX | $610K | 2 | $305K |
| #10 | Alexander Meagher | 2279313 | loanDepot.com, LLC | 174457 | Scottsdale, AZ | $902K | 2 | $451K |
| #10 | Trey Sweeney | 1375941 | loanDepot.com, LLC | 174457 | Southfield, MI | $224K | 2 | $112K |
| #20 | Todd Matney | 2791105 | Envoy Mortgage Ltd | 6666 | Chandler, AZ | $682K | 1 | $682K |
| #20 | Margaryta Bugaienko | 2802818 | Onity Mortgage Corporation | 2726 | Plano, TX | $329K | 1 | $329K |
| #20 | Donald Karcie | 2559820 | V.I.P. Mortgage, Inc. | 145502 | Scottsdale, AZ | $254K | 1 | $254K |
| #20 | Darius Benson | 2290644 | loanDepot.com, LLC | 174457 | Southfield, MI | $154K | 1 | $154K |
| #20 | Kurstin Garcia | 2812959 | JPMorgan Chase Bank, National Association | 399798 | Jacksonville, FL | $100K | 1 | $100K |
| #20 | Vittorio Massa | 2826933 | Success Mortgage Partners, Inc. | 130562 | River Falls, WI | $479K | 1 | $479K |
| #20 | Khalifah Muhammad | 1994415 | loanDepot.com, LLC | 174457 | Southfield, MI | $125K | 1 | $125K |
| #20 | Ronald Lee | 2760451 | Top Flite Financial, Inc. | 4181 | Richmond Heights, MO | $275K | 1 | $275K |
| #20 | Carolyn Petrina | 2794578 | Primerica Mortgage, LLC | 1723477 | Mesa, AZ | $75K | 1 | $75K |
| #20 | Jordan Wilson | 2783660 | AdvantageFirst Lending Inc. | 1209177 | Lake Forest, CA | $213K | 1 | $213K |
| #20 | Shaine Griggs | 2801019 | Mortgage Research Center, LLC | 1907 | Lenexa, KS | $1.1M | 1 | $1.1M |
| #20 | Ezra Lukas | 2793507 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | $475K | 1 | $475K |
| #20 | Preston Larson | 2782357 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | $503K | 1 | $503K |
| #20 | Adam Gunthner | 2471490 | Equity Smart Home Loans, Inc. | 856170 | South Pasadena, CA | $337K | 1 | $337K |
| #20 | Jake Parker | 2763475 | PennyMac Loan Services, LLC | 35953 | Roseville, CA | $665K | 1 | $665K |
| #20 | DIANA CARBAJAL | 2843164 | First Horizon Bank | 472329 | Raleigh, NC | $205K | 1 | $205K |
| #20 | Ricardo Aguilar | 2794056 | SayGo Home Loans, LLC | 2525432 | Scottsdale, AZ | $236K | 1 | $236K |
| #20 | Victoria Drach | 2810375 | Altitude Financial Corporation | 1955555 | Scottsdale, AZ | $140K | 1 | $140K |
| #20 | Alan Thomas | 2796656 | Mortgage Research Center, LLC | 1907 | Lenexa, KS | $293K | 1 | $293K |
| #20 | George Kuehnle | 2788093 | Mutual of Omaha Mortgage, Inc. | 1025894 | Reisterstown, MD | $101K | 1 | $101K |
| #20 | Davin Hefner | 2786346 | Amerisave Mortgage Corporation | 1168 | Sandy Springs, GA | $87K | 1 | $87K |
| #20 | Jordan Irwin | 2799713 | INDEPENDENCE HOME LOANS LLC | 2524174 | Scottsdale, AZ | $285K | 1 | $285K |
| #20 | William Ketchum | 2767540 | PennyMac Loan Services, LLC | 35953 | Pasadena, CA | $55K | 1 | $55K |
| #20 | EMAD RABADI | 2795944 | SayGo Home Loans, LLC | 2525432 | Scottsdale, AZ | $441K | 1 | $441K |
| #20 | Matthew Valdovinos | 2790738 | onDemand Lending Inc. | 2458551 | Lake Forest, CA | $360K | 1 | $360K |
| #20 | Wendy Kelly | 1777000 | JWK & Associates, Inc. | 1717791 | Phoenix, AZ | $276K | 1 | $276K |
| #20 | George Damm | 2802792 | Village Capital & Investment LLC | 3317 | Draper, UT | $300K | 1 | $300K |
| #20 | Hailey Huffman | 2776993 | loanDepot.com, LLC | 174457 | Chandler, AZ | $244K | 1 | $244K |
| #20 | Megan Costa | 2812968 | JPMorgan Chase Bank, National Association | 399798 | Tempe, AZ | $25K | 1 | $25K |
| #20 | Fabian Torres | 847914 | Rocket Mortgage, LLC | 3030 | Phoenix, AZ | $45K | 1 | $45K |
| #20 | Anthony Orow | 2156041 | Barrett Financial Group, L.L.C. | 181106 | Chandler, AZ | $601K | 1 | $601K |