I am a Senior Vice President of Mortgage Lending with OriginPoint. With over 22 years in the mortgage business, I pride myself on consistently doing the right thing for the customer, providing my honest opinion with the clients' long term financial well-being in mind. With this approach I have been awarded longevity in an everchanging and complex industry. In 2000, I obtained a Bachelor of Arts degree in Business at The University of San Diego. My focus continues to be towards helping first time homebuyers and repeat customers build equity for their families through home ownership. My favorite things to do include spending time with my wife, Laura and my 6-year-old son, Mateo. Together we enjoy cooking, watching movies and shooting hoops in the backyard. Over the last year I have developed a passion for meditation, intense breath work and cold plunging. These healthy practices teach me to calm my mind in stressful situations and to focus on being present. If you'd like to learn about mortgages or breath work, I can be reached via call/text/email. More than anything, I love to connect with people and to be of service!

SVP of Mortgage Lending

Mike Hoyt is your La Jolla local lender. As a loan officer at OriginPoint, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (415) 660-3215 for more information!

Mike Hoyt at OriginPoint (NMLS #653785)

Mike brings more than 20 years of professional mortgage financing experience, including four years as a mortgage underwriter, jumbo loan and home purchase specialist. As a San Diego native, he is knowledgeable about the market and has represented a wide range of homebuyers throughout California.


Mike has built an exceptional reputation in the industry by providing superior service, even on the weekends he's known to be working with his real estate agents and clients through every step of the transaction process. His knowledge and experience enable him to present his clients a wide-array of products and programs that best fit their needs and help them successfully achieve their real estate goals. His experience allows him to help customers look at their whole financial picture and how real estate can help build long term wealth for generations to come.


When not working, Mike enjoys all types of outdoor activities including river rafting, fishing with the kids, snowboarding and hiking with his wife, Jennifer, his sons Justin, Alex, and his daughter Ava. He understands how fortunate we are to live in California and work in multiple states and it is his goal to help others build their fortunes as well.

VP of Mortgage Lending

Michael Campos is your La Jolla local lender. As a loan officer at OriginPoint, Michael is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michael at (858) 699-7751 for more information!

Michael Campos at OriginPoint (NMLS #445764)

After graduating from UCLA, Tracy started working on the wholesale side of the mortgage industry, learning how the industry operates behind the scenes, from underwriting to pricing. His exposure to all aspects of the industry helped to fine-tune his skills in analyzing and structuring complex financing for individuals and business entities. He obtained his broker's license in 1997, and has been working with clients and his own real estate investments ever since.  
Tracy learned from a young age how investing in real estate, and homeownership can create generational wealth. Tracy's family owned, managed, and developed residential rentals, and Tracy has followed in those footsteps. As a mortgage lender, Tracy combines his finance and real estate passions. His specialty is working with self-employed borrowers to help them achieve their real estate objectives through his understanding of the challenges and opportunities that being self-employed can bring. He works with people from all walks of life to help them achieve their goal of homeownership, having funded over $1B in mortgages for his clients in his career. When Tracy is not working, he loves to surf and tinker with his 1951 Ford woody wagon. He and his wife Celeste have recently "launched" their youngest of three children to college, and enjoy traveling the west coast to visit them.

Tracy Trudeau at OriginPoint (NMLS #277768)

Tammy Wink Gallego has been in the mortgage industry since 2002, bringing a blend of experience, strategy, and genuine care to every client she works with. Starting her career with both a mortgage and real estate license gave her a unique understanding of how financing and homebuying fit together, and she's built her reputation on clear communication, creative deal structuring, and making complex decisions feel simple.


She's helped first-time buyers, growing families, and investors build long-term wealth through smart financing, always focusing on solutions tailored to each situation. Clients trust her for her honesty, steady guidance, and ability to break down the process in a way that feels supportive rather than stressful.  
When she's not helping people reach their homeownership goals, Tammy is traveling, spending time with family, or learning something new—because she believes the best advice comes from someone who's growing right alongside their clients.

Tammy Wink Gallego is your La Jolla local lender. As a loan officer at OriginPoint, Tammy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tammy at (858) 768-5998 for more information!

Tammy Wink Gallego at OriginPoint (NMLS #290692)

La Jolla

<footer class="footer-container">
          <div class="divider" ></div>
          <div class="links-container">
            <div class="social-container">
              <a href="/">
                <img
                  src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt360f098438eed2a4/6901bc9802da784b657211ea/OpLogo.png"
                  alt="Logo for Origin Point, a Guaranteed Rate Company"
                  width="120"
                  height="46"
                />
              </a>
              <div class="social-links">
                <a href="https://www.facebook.com/OriginPoint-101569575528101"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://www.instagram.com/originpointofficial/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://www.linkedin.com/company/origin-point"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
                <a href="https://x.com/originpoint"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
              </div>
            </div>
            <div class="link-columns">
              <div class="column">
                <div class="column-label">YOUR MORTGAGE</div>
                <a href="https://apply.originpoint.com/ " data-ya-track="link#">Apply Now</a>
                <a href="https://login.originpoint.com/" data-ya-track="link#">Sign in to your account</a>
              </div>
              <div class="column">
                <div class="column-label">LENDING OPTIONS</div>
                <a href="https://www.originpoint.com/mortgage-calculators " data-ya-track="link#">Mortgage Calculators</a>
                <a href="https://branches.originpoint.com/" data-ya-track="link#">Branches near You</a>
                <a href="https://www.originpoint.com/resources " data-ya-track="link#">Resources</a>

              </div>
              <div class="column">
                <div class="column-label">COMPANY</div>
                <a href="https://www.originpoint.com/about-us" data-ya-track="link#">About Us</a>
                <a href="https://www.originpoint.com/contact-us" data-ya-track="link#">Contact Us</a>
                <a href="https://www.originpoint.com/newsroom" data-ya-track="link#">Newsroom</a>
              </div>
              <div class="column">
                <div class="column-label">LEGAL</div>
                <a class="Footer-link" href="https://www.originpoint.com/accessibility" data-ya-track="link#">Accessibility</a>
                <a class="Footer-link" href="https://www.originpoint.com/privacy" data-ya-track="link#">Privacy Policy</a>
                <a class="Footer-link" href="https://www.originpoint.com/licensing" data-ya-track="link#">Licensing</a>
                <a class="Footer-link" href="https://www.originpoint.com/terms" data-ya-track="link#">Terms of Use</a>
                <a class="Footer-link" href="https://www.originpoint.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
                <a class="Footer-link" href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2185899" data-ya-track="link#">NMLS Consumer Access</a>
              </div>
            </div>
          </div>
          <div class="divider" ></div>
          <div class="copyright-container">
            <a href="https://www.originpoint.com/texas-consumers-how-to-file-complaint">Texas consumers: How to file a complaint</a> | <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/ea4d11b5-0423-4ec7-894a-c4212bb94282">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a>
            <div class="equal-housing-logo">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt68793b15ca6d9344/647fc755afde2a6be3981913/equalHousingLenderOP.png"
                alt="Equal Housing Lender"
                width="150"
                height="25"
              />
            </div>
            <p>Copyright © 2021-2026 OriginPoint LLC. All rights reserved.<br />
              NMLS License #2185899 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
              Arizona Mortgage Banker License #1038328<br />
1800 W. Larchmont Avenue, Suite 305, Chicago, IL 60613, 855-997-6468<br />
              This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.
            </p>
            <p>Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC.</p>
            <p>If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.</p>

          </div>
        </footer>

4 Loan Officers La Jolla, CA