Sean Riley
Founder and President
781-309-1804 | sriley@meploans.com
NMLS #20894
Sean Riley is the Founder and President of Mortgage Equity Partners (MEP), one of the largest independent mortgage banks headquartered in New England. Since founding the company, Sean has led MEP’s growth into a multi-state mortgage banking platform known for its commitment to service, operational excellence, and responsible lending. A graduate of Suffolk University Law School, Sean combines legal, regulatory, and business expertise with nearly three decades of mortgage banking leadership. Under his direction, MEP has helped tens of thousands of families achieve homeownership while earning a reputation as one of the region’s premier independent lenders. Sean remains actively involved in the strategic direction of the organization, focusing on growth, compliance, investor relations, and fostering a culture built on professionalism, integrity, and customer service.
Beyond his professional responsibilities, Sean is committed to supporting organizations that strengthen families, communities, and educational opportunity. He serves on the Board of Directors of The Children’s Room, whose mission is to ensure that no child, teen, or family has to grieve alone following the death of a parent, sibling, or other loved one. Through peer support programs, community outreach, and educational initiatives, the organization provides free grief support services that help children and families navigate loss and build resilience. Sean also serves as a Trustee of Suffolk University, supporting the university’s mission of expanding access to higher education and preparing students for meaningful careers, civic engagement, and leadership.
Betsy O’Neil
Chief Operating Officer
boneil@meploans.com
Betsy has over 33 years of experience in the mortgage lending industry. At Mortgage Equity Partners, she is responsible for managing the Operations and Underwriting staff. Betsy leads the team to ensure all loans are disclosed, processed, underwritten, and closed promptly and in compliance meeting all regulatory requirements. She has 25 years of experience underwriting and reviewing FHA, VA, and all types of conventional loans. Her background in training as a certified nationwide NMLS approved Pre-education and Continuing Education facilitator contributes immensely to MEP’s in-house certification process. Her incredible knowledge and unparalleled work ethic have helped shape MEP into one of the leading mortgage lending companies on the East Coast.
Betsy holds a B.S. in Human Service from Simmons University in Boston, MA.
John J. Lynah, CPA, CMB, AMP
Chief Financial Officer
781-973-0032 | jlynah@meploans.com
John J. Lynah, CPA, CMB, AMP, is the Chief Financial Officer at Mortgage Equity Partners. He has over 25 years of experience working in the Financial Services Sector and before joining MEP was the CFO of another mortgage banking firm on the south shore in Massachusetts. John has held several senior Financial Control roles and gained international work experience while working for Barclays Bank both in London & New York. John’s primary focus is around the accounting & finance function at MEP overseeing the end-end accounting processes (GL, AR, AP, Payroll, 401K, HR & Benefit Administration). He manages the audit, tax, and regulatory process as well as the warehouse banking relationships. Additionally, John manages the human resources and benefit administration function.
John holds a B.S. in Accounting from Merrimack College, and an M.B.A. from Boston University. He is a Certified Public Accountant in the State of MA and a Certified Fraud Examiner.
David Holding, CMB
Vice President of Secondary and Capital Markets
603-703-4774 | dholding@meploans.com
MLO# 18896
David Holding, CMB is a financial expert with a background in all aspects of mortgage lending. As the Vice President of MEP’s Secondary Markets Division, David works tirelessly to achieve an in-depth understanding of our interest rate environment and to increase product and pricing knowledge, so our loan officers have the information they need to succeed. He is diligent in communicating company trends, market conditions, and other applicable strategies to sales to secure our position of leadership in the marketplace.
“Everything I do is focused on improving the products and services our loan officers can provide to customers. As a licensed loan officer, I know what is needed to make MEP competitive in the marketplace, and my goal is to create the best portfolio of loans options out there.”
John Cabral
National Sales Director
781.563.7489 | jcabral@meploans.com
John Cabral is the National Sales Director for Mortgage Equity Partners. He has spent his career in residential mortgage lending and is experienced in all aspects of the industry. He is a well-regarded industry leader who has successfully grown and managed many high-volume, service-oriented, compliant sales teams. He focuses on mentoring new loan officers and retaining top producers in all market conditions. John strives to build and maintain a dynamic work environment where top producers can excel. John also works to maintain strong relationships with internal team members to ensure harmony with the sales and operations staff. In addition, he is an expert in recognizing talent when recruiting loan officers and works to develop them into top producers.
John Cabral is constantly pushing himself and his team to improve by expanding his knowledge of the mortgage industry and staying up to date on new developments affecting the housing market.
At MEP, John manages our sales team and is always working on expanding our operations by developing new markets and increasing our market share throughout the country.
Michelle Orchanian
Chief Marketing Officer
781-584-7414 | morchanian@meploans.com
Michelle Orchanian is the Chief Marketing Office at Mortgage Equity Partners. She started her career in banking and real estate, and discovered her true passion in mortgage lending, where she’s been dedicated to creating impactful marketing strategies that drive real results. Over her 25 plus years, she has built robust marketing infrastructures from the ground up, designing and implementing systems that seamlessly integrate into existing workflows. Michelle’s approach goes beyond simply creating marketing materials — she focuses on empowering loan officers with tools, strategies, and realistic goals and effective strategies that help drive their success.
