PCF WHOLESALE - Key Persons


Artemis Santillan

Job Titles:
  • Quality Control Director
  • Director of Quality Control at Prime Choice Funding, Inc
Artemis Santillan is the Director Of Quality Control at Prime Choice Funding, Inc, with over 20 years in mortgage banking experience. Prior to Prime Choice, Artemis held the positions of Quality Control Manager at several companies including AmWest Funding Corp., First Direct Lending, LLC, and Carrington Mortgage Services. She is responsible for executing all phases of the company quality control program, and ensuring loans meet investor, agency, and company underwriting guidelines. Additionally, Artemis ensures all loans meet regulatory requirements and compliance standards. Artemis also performs risk analysis to detect and prevent fraud, identify and report QC findings, identify trending and training opportunities for Pre and Post Closing Audits. She also manages, directs, and implements underwriting strategies and objectives to ensure the timely delivery of high-quality loan decisions in accordance with credit policy and service level agreements.

Branden Mudge

Job Titles:
  • Operations Manager
Branden is an Operations Manager with 18+ plus experience in the mortgage industry. He has been recognized for demonstrating a natural aptitude for optimizing loan processing and management infrastructure, as well as for elevating standards of quality and compliance to achieve ambitious corporate goals. Under his leadership, he presides over account management, processing, loan setup, and jr. account management/processor departments; directing cross-functional collaborations to verify operations are following best practices, policies, and procedures while proactively identifying opportunities for improvement.

Craig Kerbrat

Job Titles:
  • Vice President of Secondary Marketing at Prime Choice Funding
Craig Kerbrat is the Vice President of Secondary Marketing at Prime Choice Funding. Inc. He oversees the lock desk team, assists with hedging the pipeline, manages PCF products and investor products through Optimal Blue, and handles daily loan sales. Craig came to Prime Choice Funding Inc. in 2017 to help build out the capital markets department for the retail channel and eventually the wholesale division. Prior to Prime Choice, Craig had 4 years of Capital Markets experience at Nations Direct Mortgage, 1 and half years of experience as a financial advisor at Northwestern Mutual, and 6 years of sales and customer service experience. Craig graduated from Villanova University with a Bachelor's degree in Business Administration and a minor in Finance. He currently resides in the Lake Forest area with his wife and 2 children.

Danielle Panno

Job Titles:
  • Vice President of Business Operations at Prime Choice Funding, Inc
Danielle Panno is the Vice President of Business Operations at Prime Choice Funding, Inc. She attended Chapman University for Business Administration and Real Estate Finance and joined Prime Choice Funding in 2013 when she was just 19 years old. Danielle played an integral role in growing the business from a small broker shop to the nationwide lender it is today. She is responsible for building out several aspects of Prime Choice's personnel infrastructure including Compliance, Human Resources, Accounting, Customer Service, and Broker Services. In addition to her accomplishments in the mortgage industry, Danielle is also a co-founder of an all-female Real Estate team in Southern California.

John A. Hamel

Job Titles:
  • Executive Vice President of Capital Markets
  • Executive Vice President of Finance and Capital Markets at Prime Choice Funding, Inc
  • Executive Vice President, Finance & Capital Markets
John A. Hamel is Executive Vice President of Finance and Capital Markets at Prime Choice Funding, Inc. where he oversees all finance and accounting functions, loan sale activity, pipeline hedging and interest rate risk management. Prior to Prime Choice, John was the President of Refi.com, LLC, Founder and CEO of Solstice Closing Solutions, LLC and Executive Vice President of First Direct Lending, LLC. During the 18 years prior to First Direct, John held various Investment Banking positions with Sterne Agee & Leach, Friedman, Billings, Ramsey ("FBR") and Financial Technology Partners, all focused on advising and raising capital for mortgage companies, banks and financial technology firms. Mr. Hamel graduated with an MBA in Finance from New York University's Stern School of Business and a BS in Business Entrepreneurship from the University of Southern California.

Keith McKay - CEO

Job Titles:
  • Chief Executive Officer
  • CEO and Founder of Prime Choice Funding, Inc
Keith McKay is the CEO and Founder of Prime Choice Funding, Inc. He began Prime Choice Funding in 2007 with the desire to satisfy the unique needs of each individual borrower. With awards for being one of the top mortgage originators in the nation, he has a proven track record of success. His focus on impeccable customer service and competitive rates, McKay has led Prime Choice Funding, Inc. to great success.

Kevin McKay - COO

Job Titles:
  • Chief Operating Officer
  • Chief Operating Officer at Prime Choice Funding, Inc
Kevin McKay is the Chief Operating Officer at Prime Choice Funding, Inc. where he is responsible for the leadership and strategic execution of overall Retail Sales and Retail/Wholesale Operations. Kevin has over 15 years of residential lending experience, including 3 years in a highly regulated banking environment. Kevin has been at Prime Choice Funding since its inception in 2007, and has assisted in the overall growth of the company. In his role as COO, Kevin utilizes his unique skill set to understand and work to improve client and employee experience.

Paul D'Agostino

Job Titles:
  • Director of Compliance at Prime Choice Funding, Inc
Paul D'Agostino serves as Director of Compliance at Prime Choice Funding, Inc. where he is responsible for oversight of the regulatory compliance management system. Prior to joining Prime Choice, Paul held various compliance leadership roles including Vice President of Compliance at Mortgage Lenders of America, and Compliance Director at TruHome Solutions, as well as other mortgage and financial services companies, bringing over 30 years of mortgage industry experience. Paul graduated with a BS in Business Administration from Rockhurst University in Kansas City, Missouri.

Rachel McKenzie

Job Titles:
  • Director of Credit & Closing
Rachel McKenzie, a well-rounded professional, started her career in the mortgage industry nearly a decade ago with a love of all things real estate. The process of helping home buyers realize their dream of homeownership is second nature. Having worked in residential lending and the highly regulated credit union environment, she believes in meeting the community's needs through fair and inclusive lending. If there is a way to say "Yes," Rachel will support the team to move milestones to aid the borrower. Her background in the newspaper advertising, technology, and mortgage industries, along with her degree in Business Administration, are an asset to Prime Choice Funding. She delivers with a spirit of excellence every day to move the home buying process forward for internal and external customers alike. Rachel enjoys spending time with her husband of 6 years on road trips, a day at the racetrack, or shooting photography.

Ryan Allcorn - CIO

Job Titles:
  • IT Director
  • IT Director at Prime Choice Funding, Inc
Ryan Allcorn is the IT Director at Prime Choice Funding, Inc. where he brings more than 14 years of experience in information systems and information technologies, 8 years of which were in the Financial Services sector. Mr. Allcorn provides leadership for the continued development of an innovative, resilient, and secure information technology environment. Prior to Prime Choice Funding, Inc., Ryan was the IT Director for OnY Glo, Inc., Systems Administrator for JMAC Lending and a Technical Consultant for local Orange County small businesses. Outside of work, Ryan enjoys a competitive game of hockey and spending time with his newest addition to his family, his 9-month-old son. Mr. Allcorn studied Computer Science at University of California San Diego, Industrial Design at Art Institutes of California Santa Ana and is ranked Eagle Scout, Boy Scouts of America.