Jo Ann Theriault-Fazio
Jo Ann Theriault-Fazio is a seasoned mortgage lending executive with approximately 25 years of experience in the residential mortgage industry. She currently serves as Senior Vice President of Mortgage Lending and Divisional Sales Director at OriginPoint, a Rate Company, where she also continues to work as a loan originator. Based in the Greater Chicago Area, she plays a dual leadership and production role, overseeing the Midwest Division while actively guiding clients through the home financing process.
Her career began in 2001 after graduating from the University of Missouri–Columbia with a bachelor’s degree in History, along with minors in Journalism and English. She entered the mortgage industry through operations roles in processing, underwriting, and sales support, where she developed a strong technical foundation in loan structuring and credit analysis. Over time, she advanced into top-producing sales roles and leadership positions, spending more than a decade at Guaranteed Rate and later serving in senior leadership roles at Proper Rate before transitioning to OriginPoint.
Jo Ann’s areas of specialization include residential mortgage lending, loan origination, relationship management, and mentorship within the financial services sector. She is particularly known for her expertise in guiding complex mortgage transactions and building strong partnerships with real estate professionals. Beyond her client work, she is actively involved in mentorship initiatives, including her leadership role with GROW (Guaranteed Rate Organization of Women), where she supports the development of professionals across the mortgage industry and advocates for increased representation of women in lending and sales leadership roles.
• University of Missouri-Columbia - BA
• Top Producer - 2017,2020,2024,2025,2026
• President’s Club - 2020,2024,2025
• Top Women Producers - 2021,2024,2025
• Chicago Agent Magazine Who's Who in Chicagoland
• Top 1% Mortgage Originators in America
• Proper Rate 2020 Leadership Award
• Chairman's Circle
• HousingWire Women of Influence 2020
• Five Star Professional
• Forbes Magazine Market Leader
• Top Producers - The Nations Best Mortgage Loan Officers Industry's Leaders
• Top 1% Mortgage Originators in America 2017
• Elite Women in Mortgage - 50 Women Who've Made Their Mark on the Industry
• "Women of Excellence"
• Top 150 Loan Producers
• Top 100 Mortgage Originators in America
• Top Originators - Highest Producing Mortgage Professionals - Top 1%
• Standford Who's Who
• 2008 Top Rookie Originator
• Top Originators
• Top 200 Loan Officer
• Presidential Who's Who Among Business & Professional Achievers
• ANTHONY RIZZO FAMILY FOUNDATION
• University of Missouri-Columbia
• Lake Zurich CUSD 95 Foundation
• Guaranteed Rate Organization of Women - GROW
• Barrington Area Chamber of Commerce
• Lake Zurich Area Chamber of Commerce
• BHS Boosters Club
What do you attribute your success to?
I attribute my success to so much, starting with growing up seeing this industry and watching how hard my dad worked - that was the first stepping stone. I was incredibly fortunate to have the opportunities I was given because of who my father was, and I will never apologize for taking advantage of those opportunities. I was able to get set up with Jeff, this top producer, and I learned so much from him. I don't even just owe what I feel like a lot of my career to him - I met my husband at work too, and then he came and started working with our team. So much of my trajectory is because of taking chances and taking the paths that other people helped lead me to. I think that's a huge, huge part of it.
What’s the best career advice you’ve ever received?
The best career advice I ever received was from my mentor, Jeff Lake, who used to say to me, 'Do what you do best and delegate the rest.' I didn't put it into practice until I was much older - I was just like, I'm gonna do it all myself. But as I became a mom and as I've taken on so much more responsibility within the company, I finally took that advice to heart. Now I have such an amazing team around me. Could I do the little bits of marketing and stuff? It's so fun, and I enjoy it, but I have people who specialize in that, and they can do it a lot better than I can. So there's a lot more delegation that goes on now, and it just keeps things moving a lot smoother. It took me a really long time to take that advice, but it did turn out to be really great advice.
What advice would you give to young women entering your industry?
One, do it - it's a wonderful industry. You get to help people achieve the dream of homeownership, which is the American dream, right? We can help so many people with that. I also just think there's so much opportunity for women, specifically in sales. Whether it's women in sales who maybe they're in a different industry and they have sales skills, or if it's women even within my own family of companies who are on the operations side, they have such a great knowledge base to be able to take that leap of faith into sales. A couple of things: one, there aren't enough of us. Two, there's more than double the amount of real estate agents in terms of females. And then, single women were one of the largest groups of homebuyers in all of last year - it was over 20%, more than double what single men were. So women want to work with women, and we just don't have enough of them in this industry.
What are the biggest challenges or opportunities in your field right now?
I think it's not so much on our side, but there's an inventory shortage right now, and that can make closing more loans challenging. Timing can be challenging for some people if you don't work for a company that can move quickly. Fortunately, ours can - we can move through the process really quickly. I think a lot of challenges people face in this industry, they place on themselves with their own limitations, where it really can be limitless, like how much you want to work. But I still believe that our business is a relationship business, and you have to go out and establish really great, solid relationships with your referral partners, with your clients, with your community, and all of that.
What values are most important to you in your work and personal life?
I think probably what's important to anybody in their work and personal life. For me, I very much value my team and their loyalty. I just don't think that you can replace loyalty, especially when it comes to work. I mean, people can choose where they want to work, and I love that I have some people that I have worked with for, you know, some in multi-decades, in some cases. You just can't buy that kind of loyalty and that commitment. I think that, for me, that's probably some of the highest - it's also a huge compliment as well, right? That people would want to stick it out with you for that long. And that obviously can bleed over into personal, too.
Locations
OriginPoint
Lake Zurich, IL 60015