المحتوى المقدم من Kelly Yale - Minds of Mortgage. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kelly Yale - Minds of Mortgage أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
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Digital intelligence is reshaping how organizations work, and success depends on integrating multiple domains, using real-time analytics, and ensuring strong cyber protections as data grows and risks increase This week, Dave, Esmee, and Rob talk with Chris Carter, Director - Key Accounts and Australia at BAE Systems Digital Intelligence, to explore the fast-moving world of digital intelligence, data, and analytics and dive into the complexities of the work, how rapidly the landscape is evolving, and the major challenges organizations face today. TLDR : 00:41 Introduction of Chris Carter 03:00 Rob is confused by the idea of renting out brain capacity for compute power 07:13 Chris discusses the fusion of data, AI, and human judgment in complex environments 34:30 Are we giving enough attention to human cognitive capacity? 42:34 Rugby tickets with the family Guest Chris Carter: https://www.linkedin.com/in/chriscarter3/ Hosts Dave Chapman: https://www.linkedin.com/in/chapmandr/ Rob Kernahan: https://www.linkedin.com/in/rob-kernahan/ Esmee van de Giessen: https://www.linkedin.com/in/esmeevandegiessen/ Production Marcel van der Burg: https://www.linkedin.com/in/marcel-vd-burg/ Dave Chapman: https://www.linkedin.com/in/chapmandr/ Sound Ben Corbett: https://www.linkedin.com/in/ben-corbett-3b6a11135/ Louis Corbett: https://www.linkedin.com/in/louis-corbett-087250264/ ' Cloud Realities' is an original podcast from Capgemini…
المحتوى المقدم من Kelly Yale - Minds of Mortgage. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kelly Yale - Minds of Mortgage أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Mortgage podcasting is not new, but the kind of conversations that can be evoked through honest, vulnerable conversations that tackle the future of the industry is the ethos of Minds of Mortgage. Kelly Yale hosts introspective interviews with leaders from companies across the globe talking about the impact of housing and lending in their area.
المحتوى المقدم من Kelly Yale - Minds of Mortgage. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kelly Yale - Minds of Mortgage أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Mortgage podcasting is not new, but the kind of conversations that can be evoked through honest, vulnerable conversations that tackle the future of the industry is the ethos of Minds of Mortgage. Kelly Yale hosts introspective interviews with leaders from companies across the globe talking about the impact of housing and lending in their area.
Episode 27: Kully Koomer - Breaking Down Data Silos with AI Intelligence In an industry drowning in data but starving for insights, host Kelly Yale sits down with Kully Koomer, founder and CEO of Lamata, to explore a problem that keeps mortgage executives up at night: how do you make sense of information scattered across dozens of disconnected systems? With over 25 years of experience leading technology strategy at giants like Cisco and Salesforce, Kully brings an outsider's perspective to an industry he describes as "bravely taking on." But this isn't another conversation about the promise of technology—it's about why so many of those promises have failed to materialize, and what's actually different this time. The conversation opens with a candid acknowledgment of an uncomfortable truth: the data industry has been selling the same dream for years. Bring us your data, they say. We'll consolidate it into data lakes and warehouses, and all your answers will magically appear. Except they don't. Kelly and Kully dive into why companies are left with vast repositories of information but still can't answer basic questions like "which mortgage offerings give us the highest margin?" The discussion reveals a fundamental disconnect between the people who build data platforms and the people who understand what the business actually needs—a gap that has cost the industry dearly in missed opportunities and inefficiency. What makes this episode particularly compelling is Kully's exploration of what an "AI business agent" actually means beyond the buzzword. Rather than offering vague promises about artificial intelligence, he breaks down the practical reality of how automation can eliminate the 90% of manual work that most mortgage professionals spend gathering, analyzing, and organizing data into spreadsheets. But the real intrigue comes when Kelly poses seemingly simple questions—like how many loan officers are licensed in California—and the conversation reveals just how difficult these answers are to obtain in real-time. The implications ripple outward: if you can't answer basic operational questions quickly, how can you possibly make strategic decisions with confidence? The discussion takes an unexpected turn when exploring the messy reality of mortgage technology stacks. Kelly's frustration is palpable as she describes companies juggling multiple loan origination systems, various CRMs, different point-of-sale platforms, and separate tools for accounting, HR, and compliance. Kully's response introduces a philosophy that challenges conventional wisdom: rather than forcing companies to rip out and replace their existing systems, what if technology could be "additive, not disruptive"? This concept of creating an intelligent data layer that sits across fragmented systems promises something the industry has long sought but rarely achieved. But how does it actually work, and can it deliver on promises where others have failed? The conversation ventures into territory that should concern every mortgage executive: the dangerous silos that exist between departments. When marketing doesn't understand what technology is implementing, or when tech teams sign multi-year vendor agreements in bubbles disconnected from broader business strategy, companies make expensive mistakes. Kully begins to map out how AI can connect operational data to strategic initiatives, revealing patterns and opportunities that remain invisible when departments operate in isolation. The mention of partnerships with platforms like Workday hints at a level of integration that goes far beyond traditional business intelligence tools like Tableau or Power BI. As the discussion builds toward its conclusion, listeners are left contemplating a provocative question: what happens when you can finally ask your data anything and get accurate, real-time answers grounded in your specific business context and rules? From C-suite executives forecasting six-month revenue projections to loan officers understanding their pipeline, the promise of unified intelligence across fragmented systems represents a fundamental shift in how mortgage companies could operate. Whether you're skeptical of yet another technology promise or desperate for a solution to data chaos, this conversation offers a candid look at what's actually possible—and what questions you should be asking about your own organization's ability to make data-driven decisions.…
Episode 25 - It's Time for Mortgage Acclimation I just had an incredible conversation with Coby Hakalir, VP of Mortgage and Ancillary Services at T360, and this episode of Minds of Mortgage is packed with insights you need to hear. Coby brings a unique perspective – he's been in the mortgage industry since he was 19, back in 1997, so he's witnessed the entire evolution from traditional practices to today's tech-driven landscape. What he shared about the future of integrated housing services will change how you think about our business. Here's what hit me hardest: Coby called our industry's failure with younger buyers "abominable," and the stats back him up. The median age of first-time homebuyers has jumped from 27 in 1975 to 38 today. That's not just a trend – it's a wake-up call about how we've completely missed the mark with an entire generation. We delved deeply into why seamless integration between mortgage and real estate is crucial, drawing fascinating parallels to healthcare models where collaborative care consistently outperforms fragmented services. However, here's the thing – when this one-stop-shop approach is executed poorly, it actually damages relationships and hinders future business. The conversation got fascinating when Coby described our industry's refinance dependence as "the crack cocaine of the refinance." While we've been reaping the benefits of refi booms, we've forgotten how to build sustainable, customer-focused business models. Meanwhile, real estate has been forced to innovate without that safety net. And about AI? Coby nailed it: "AI won't replace loan officers, but loan officers who use AI will replace those who don't." We explored how technology isn't the enemy – it's a tool that empowers both more informed customers and more efficient loan officers. This episode tackles the generational divide that's killing our customer acquisition, the technology resistance that's holding us back, and the mentorship gap that's threatening our industry's future knowledge transfer. If you want to understand where mortgage is headed and what you need to do to stay relevant, this conversation with Coby is absolutely essential listening.…
Episode 24 - The Future of Mortgage Technology and Marketing: A Personal Conversation with Jake Vermillion I've been doing this podcast for a while now, and every so often I get to sit down with someone who just gets it. That's exactly what happened when I had my friend Jake Vermillion on the show. Jake is the CMO at Mortgage Champions, but what makes him really interesting is his story. He grew up in this business - literally. His dad spent three decades climbing from construction worker to mortgage executive, and now they're working together. It's this beautiful blend of old-school industry wisdom and fresh, next-generation thinking that I find so compelling. What struck me most about our conversation was how Jake approaches the alignment problem that's killing so many mortgage companies right now. Sales, marketing, and technology teams all operating in their own silos, creating fragmented customer experiences. Jake's been working with enterprise-level clients, and he's figured out something crucial: you have to start from the top down. You can't just throw technology at organizational problems and hope they fix themselves. We spent a lot of time talking about how the traditional marketing funnel is basically dead. Jake pointed out that the median age of first-time homebuyers is now 38, and these aren't people who wake up one morning and decide to buy a house. They're thinking about homeownership 24 to 36 months before they're ready to actually transact. That changes everything about how we need to approach marketing. Then we got into something that really fascinated me - the dramatic changes happening in marketing team structures. I shared a case study with Jake about a company that went from 38 people in their marketing department down to just 10. At first, that sounds terrifying, right? But when we dug into it, we realized this might actually be the future. With AI and advanced marketing tools, strategic vision and leadership are becoming way more valuable than having huge teams. Jake and I also dove deep into something that keeps me up at night - how AI is going to completely reshape how customers find mortgage professionals. Jake had some really tactical insights about what's happening between OpenAI and Google right now, but we both agreed that nobody really knows how this is all going to shake out. The key is positioning yourself for the long term rather than trying to optimize for whatever algorithm is trending this month. One of the most exciting parts of our conversation was when I told Jake about this revolutionary business intelligence platform I've been working with that's entering the mortgage space. We're talking about technology that can answer any business question instantly. Jake immediately understood the implications - we're moving from this "wild west" approach to mortgage management toward something much more strategic and data-driven. But here's what I really appreciated about Jake's perspective: he has this vision of where the industry is heading - unified technology platforms that eliminate all these disconnected systems that drive us crazy. Companies that embrace data-driven strategies and invest in unified customer experiences aren't just going to survive the challenges we're facing - they're going to dominate. This conversation with Jake wasn't just another podcast episode for me. It was a roadmap for where we need to be heading and a reminder that the future of mortgage isn't something that's happening to us - it's something we're actively building. And with friends like Jake leading the charge, I'm more excited than ever to see what comes next.…
E23 - Platform Integrations & Advanced Data I had such a great time chatting with Kortney Lane-Schafers from MMI (Mobility Market Intelligence) on this tech-focused episode of Minds of Mortgage. Kortney has a fantastic background in mortgage technology, starting with her days at SureFire CRM and stumbling into the mortgage world through a friendship, before becoming a total tech guru. We discussed how MMI evolved from Mobility RE into what Kortney refers to as “the ultimate lead to loan growth platform.” Through smart acquisitions like Bonzo CRM and MonitorBase, they’ve created an integrated system that solves the annoying problem we all have - juggling a multitude of different platforms that don’t communicate with each other. The fascinating part was diving into their behavioral data and predictive analytics. Get this - their technology can spot potential opportunities up to 90 days before customers are even ready to make a move. It completely changes how loan officers can nurture relationships and determine who is prepared to do business. Kortney and I got into some practical stuff about using data to build better relationships. She showed me how loan officers can instantly pull up everything about real estate agents, including their transaction history, current partnerships, and production levels. It’s like having a crystal ball for building strategic partnerships. Looking ahead to 2025, Kortney’s pumped about mobile-first innovations coming down the pipeline. Her take on surviving tough markets really hit home: double down on the basics, such as meeting people, building your database, and using technology to add real value. We wrapped up discussing how the pros who will thrive are the ones who understand that you’ve to be both high-tech and high-touch.…
Episode 22 - How to Build Mortgage Social Success In this energetic episode of Minds of Mortgage, I sat down with Denise Panza, a dynamic loan officer from Naples, Florida, who has become a standout presence on LinkedIn. With 28 years in the mortgage industry, Denise brings a refreshing perspective on authenticity and relationship-building in an increasingly digital world. Her journey from a criminal justice student to a mortgage professional began with an unexpected twist, involving a failed college course and a chance opportunity at a mortgage company where her father had previously worked. Denise shared her candid experiences as a single mother navigating the demanding world of mortgage lending, including the challenges of balancing a 100% commission career with raising two children. Her honest reflections on the guilt and sacrifices that come with being a working mother in a 24/7 industry provided valuable insights for other professionals struggling with similar challenges. She discussed how she has learned to find grace in her choices and the unexpected lessons her work ethic has instilled in her children. Our conversation delved into the current state of the Florida real estate market, where Denise is licensed in 15 states and witnesses firsthand the dramatic differences between markets. She provided fascinating insights into how insurance costs are impacting affordability in Florida, and how this contrasts sharply with the competitive markets she still serves in Connecticut and New York. Denise’s approach to social media marketing, particularly on LinkedIn, offers a masterclass in authentic professional networking. She explained how she moved from traditional platforms to LinkedIn, not to find employment, but to avoid “annoying” her friends and family with mortgage content. Her strategy of mixing professional insights with personal moments has led to genuine friendships and business relationships that extend far beyond the digital sphere. Throughout our discussion, Denise maintained an infectious optimism about the mortgage industry despite the challenging market conditions of recent years. She encourages newcomers to enter the field now, viewing current market difficulties as opportunities for those willing to learn and persist. Her perspective on serving first-time homebuyers and the joy she finds in celebrating clear-to-close moments reveals the passion that has sustained her through nearly three decades in the business. The episode concluded with valuable insights about the power of vulnerability and authenticity in professional settings. Denise’s philosophy of “getting comfortable being uncomfortable” and her willingness to show her genuine self online have not only built her business but enriched her personal life with meaningful relationships. Her story illustrates how being authentic and relatable in a digital world can foster connections that transcend business and evolve into lasting friendships.…
Leadership, Legacy & the Power of Being Remarkable – Featuring Laura Brandao In this must-listen episode of Minds of Mortgage , host Kelly Yale sits down with the unstoppable Laura Brandao, CEO of Lighthouse Advisors, powerhouse speaker, and fierce advocate for the mortgage industry. Together, they dive into what it takes to lead, inspire, and make waves in a business that doesn’t like change. Laura opens up with her incredible origin story—starting with a telemarketing job at just 21 and quickly transforming into a meteoric rise driven by curiosity, grit, and a game-changing moment of initiative that redefined her future. From there, the conversation gets deeply personal as Laura reflects on the pivotal role mentorship played in her career, especially the influence of a trailblazing woman who helped shape her into the leader she is today. It’s a compelling look at how knowledge, encouragement, and tough love can turn potential into power. Kelly and Laura also highlight women’s leadership in mortgage: how far we’ve come, what still needs to change, and why visibility and mentorship are the keys to unlocking the next generation of female executives. The episode wraps with gold for anyone navigating today’s unpredictable market. Laura shares her strategy for thriving right now: stop chasing the past, lean into tech, nurture your network, and above all, be remarkable—deliver such value that people can’t help but recommend you. 🔥 Insightful. Real. Empowering. Don’t miss this episode.…
In this engaging episode of the Minds of Mortgage podcast, I talk to Eddy Perez, CEO of EPM Mortgage. Our conversation explores Eddy's journey from finance to founding his mortgage company 17 years ago, revealing how he's navigated multiple market cycles while maintaining an unwavering positive outlook. Eddy shares his family's remarkable story, recounting how his father escaped Cuba by rowing a stolen boat to Miami and later built a new life from nothing. This immigrant experience shaped Eddy's values and approach to business and leadership, instilling in him a deep appreciation for opportunity and resilience. The discussion offers candid insights into today's mortgage industry challenges. Eddy shares his perspective on the current market, the unlikely return of massive refi booms, and the psychological adjustments loan officers face after record-breaking years. His practical optimism provides a refreshing counterpoint to the "fake juice" positivity and doom-laden narratives prevalent in industry conversations. Eddy reveals his "code of life" - honor, duty, discipline, sacrifice, and gratitude - explaining how these principles guide his decisions and leadership style. He discusses the challenges of maintaining company culture during difficult times and the importance of radical candor when communicating with teams through transitions. The conversation takes a personal turn as Eddy discusses his experience raising three children, including how his oldest daughter's college choice (his rival school) tested his parenting philosophy. His insights on letting children forge their paths while providing guidance rather than control offer wisdom beyond parenting to leadership. Throughout the episode, Eddy speaks candidly about mental health, including his struggles after his father's death and the importance of emotional intelligence. His authentic approach to leadership, commitment to personal growth, and ability to balance realism with optimism make this conversation valuable for mortgage professionals seeking practical guidance and inspiration during challenging market conditions.…
This week on The Minds of Mortgage Podcast, host Kelly Yale engages with Ashley Yarbinec, the Director of Member Relations for the Mortgage Bankers Association. Drawing from her extensive experience—starting as a loan processor and advancing to managing operations teams—Ashley provides valuable insights into the mortgage industry from both operational and leadership perspectives. Their conversation delves into Ashley's journey in the mortgage sector, beginning with her work on niche VA loans in Guam and culminating in her current role, where she leads initiatives on the residential side of MBA's impact on young professionals. As a mentor and advocate for newcomers in the industry, Ashley shares her passion for fostering opportunities for the next generation of mortgage leaders through professional development, networking, and meaningful industry connections. Kelly and Ashley discuss the significance of mentorship within the mortgage industry. Ashley reflects on the extraordinary female mentors who have influenced her career and emphasizes the importance of established professionals guiding newcomers. She also offers practical advice on structuring mentor-mentee relationships to accommodate various needs and schedules. The podcast takes an insightful turn as they explore succession planning in the mortgage industry—a timely topic as many seasoned professionals approach retirement. Ashley outlines different approaches to succession planning and underscores the importance of preparing internal talent for leadership roles, ensuring continuity, and preserving institutional knowledge. Much of the discussion focuses on change management within the traditionally resistant mortgage sector. Ashley shares her experience leading a major Loan Origination System implementation and guides how companies can successfully navigate technological and operational transitions by engaging stakeholders at all levels. Throughout the episode, Kelly and Ashley's authentic exchange highlights their commitment to enhancing the mortgage industry through mentorship, innovative leadership, and embracing necessary change. Their conversation offers actionable insights for industry newcomers seeking guidance and veterans planning their legacy and the future of their businesses.…
There are many outstanding women in mortgage, but one who started fresh out of college in the CEO seat is a story I could have spent hours listening to! In this engaging episode of Minds of Mortgage, I was delighted to talk to Christy Soukhamneut, Chief Lending Officer at University Federal Credit Union in Austin, Texas. After spending 25 years in Savannah, Georgia, Christy boldly moved to Austin for an opportunity that aligned perfectly with her values and vision for what financial services could be. She shares her perspective on UFCU's unique mission to be "loved by millions of members" and how this aspiration shapes their lending and community service approach. Christy's journey into the mortgage industry began unexpectedly. While in high school, she worked part-time at an appraisal firm, where she learned the business from the ground up in an era before digital MLS systems. Her story took a fascinating turn when her father's negative loan experience led to an extraordinary opportunity that launched her career in mortgage lending. This experience showcased how sometimes challenging experiences can lead to the most rewarding paths. In a candid discussion about the current state of the mortgage industry, Christy offers a refreshingly optimistic perspective on market challenges. Rather than viewing complex markets as obstacles, she sees them as opportunities for innovation and growth. She explains how these challenging times can create openings for new leaders to emerge and for organizations to develop better ways to serve their communities. For aspiring homeowners who feel intimidated by current market conditions, Christy offers encouragement and practical advice. She shares experiences about the universal anxiety of making such a significant financial commitment while providing actionable strategies for approaching homeownership in today's market. Her perspective on affordability goes beyond mortgage rates, encompassing a holistic view of financial wellness. The discussion concludes with powerful insights about mentorship and professional growth in the financial services industry. Christy emphasizes the importance of building relationships with financial professionals and seeking guidance, highlighting how accessible most industry leaders are to those who approach them with genuine curiosity and a desire to learn. Her stories about mentorship and professional development offer valuable lessons for anyone looking to advance in their career.…
I am rarely a "fan girl," but when I had the opportunity to speak with someone like Mo, I felt genuinely grateful for women who are standing on business in the mortgage industry. This episode is a MUST LISTEN. The 30 minutes before and after the interview featured some of the most thought-provoking and honest conversations I've had in my mortgage career. I wish I could go back in time and work with Mo from the moment I entered this industry. It would have been incredible to have a colleague who truly understands how to connect with customers and where technology and teamwork come together to create something magical. In this Minds of Mortgage podcast episode, I sit down with Mo Gatling, the Senior Vice President of Strategic Growth and Expansion at New American Funding. Our discussion focuses on Mo’s extensive mortgage experiences and her efforts to redefine how we serve various market segments amidst the evolving landscape of homeownership in America. Mo shares her intriguing journey from banking and credit cards to the mortgage industry, motivated by her personal experiences as a homebuyer and her commitment to improving the process for others. With nearly two decades of experience in the Las Vegas market, she offers a unique perspective on the region's transformation and the challenges facing working families in today’s housing market. As a leader who still actively originates loans, Mo provides unique insights into homebuyers' real-world struggles in 2025. She discusses the shift from price-driven to payment-driven home buying decisions and how this fundamental change reshapes the industry's approach to serving clients. The conversation takes an intriguing turn as we explore the evolution of first-time homebuyers. Mo's observations about changing demographics and priorities among these buyers offer valuable insights for industry professionals. Her insights challenge traditional marketing assumptions and emphasize the need for more authentic representation within the industry. Through personal anecdotes and market observations, we explore the significance of relationship-building in the mortgage industry and highlight the importance of understanding client psychology for achieving success. This discussion reveals that the industry's marketing strategies and client relationship approaches must evolve to align with the expectations of today's more informed and discerning consumers. This episode offers a refreshing perspective on the future of the mortgage industry. It blendspractical insights with thoughtful analysis of current trends. Whether you are a mortgage professional, real estate agent, or potential homebuyer, this conversation provides valuable insights into homeownership and mortgage lending dynamics.…
We are excited to kick off 2025 for Minds of Mortgage Podcast with an exceptional first guest—Liz Short, CEO of Short Solutions! Liz specializes in helping businesses and executives optimize their people, processes, and technology, focusing on personal branding and video marketing on social media. She challenged herself to become comfortable being uncomfortable, which has led her to embrace being in front of the camera. Liz is a prime example of the power of video as a marketing tool for personal branding. This engaging conversation thoroughly explores female leadership in the mortgage industry. The discussion highlights women’s unique challenges and opportunities, their personal experiences, and the significance of mentorship for the next generation of leaders. Our dialogue takes an interesting turn as we champion the power of authenticity in professional branding, particularly on LinkedIn. Liz shares her journey from working behind the scenes to becoming a prominent voice in the industry through consistent video content creation, offering valuable insights for others aiming to build their online presence. We examine the evolving dynamics of marketing within the mortgage industry, challenging traditional approaches and presenting fresh perspectives on what will be effective in 2025. We highlight the importance of genuine connections and explain why certain outdated marketing tactics should be abandoned. Furthermore, we discuss the role of technology, artificial intelligence, and social media in shaping the future of the mortgage industry, stressing the need for adaptation and innovation. We explore why some organizations thrive while others struggle to keep up with change. The episode concludes with an insightful discussion on the value of cross-functional expertise in mortgage leadership. We emphasize the growing importance of “translators”—professionals who can bridge the gap between different aspects of the business, including sales, technology, and process implementation.…
I am a big fan of Taylor Stork, CMB, so it’s no surprise that one of my favorite episodes of Minds of Mortgage Podcast in 2024 features him. As the COO of Developer's Mortgage Company and President of the Community Home Lenders of America, Taylor brings his signature straightforward approach that podcast listeners have come to know and love, but with a personal twist. What makes this episode special is how Taylor reveals the reality behind the corporate facade. He shares that his role as COO goes far beyond the typical executive playbook. He remains actively involved in sales while also guiding technology and policy initiatives. However, what truly stands out is the personal story behind his commitment to housing advocacy—inspired by his father’s dedication to helping homeless veterans secure stable housing. When we address the elephant in the room, the conversation takes an important turn: gender diversity in mortgage leadership. Taylor acknowledges the issue and delves deep into why having diverse perspectives at the decision-making table leads to better outcomes for everyone looking to buy a home. In this episode, as in our first conversation, Taylor’s advocacy for women is truly admirable in this industry. We also explore an intriguing shift in the industry’s mindset. Remember when realtors were viewed as the primary customers? Taylor explains why this perspective is evolving, with an increasing focus on serving homebuyers directly, particularly in diverse communities where language barriers have historically posed challenges. When the discussion turns to first-time homebuyers, the statistics reveal an interesting trend—the average age of first-time homebuyers has risen to 38. Taylor and I unpack what this means for mortgage professionals aiming to build long-term customer relationships. The episode concludes with a look ahead to 2025, where Taylor offers a refreshing perspective that challenges the conventional wisdom of waiting for the next refinance boom. Instead, he highlights unexpected opportunities that could reshape the industry.…
Looking to level up your mortgage leadership game? You won’t want to miss this week’s Minds of Mortgage podcast! Host Kelly Yale sits down with Scott Reese, SVP and Regional Manager at Rate, for a candid conversation about what really works in today’s market. Scott’s story is fascinating - from his early days hustling in New Jersey to leading top-performing teams across multiple regions. But what makes this episode special is how he breaks down the real challenges mortgage leaders face every day. Whether you’re dealing with tough market conditions, trying to keep your team fired up, or making the leap from producer to leader yourself, Scott’s got practical advice you can use right away. The best part? Scott doesn’t just share his wins - he digs into the lessons learned from challenging times and shares exactly how he keeps his teams motivated when the market gets tough. You’ll get actionable strategies for building stronger relationships with clients and partners, plus insider tips on spotting and developing talent that many leaders miss. Ready to transform your leadership approach and build stronger teams? Tune in to hear Scott’s proven strategies for balancing supportive leadership with high performance, maintaining momentum in any market, and creating the kind of authentic relationships that drive long-term success.…
If you attended a Digital Mortgage event in the past decade, you may have thought, “Why hasn’t anyone combined these systems into one?” you, Amit Ghole, and I should be friends. Amit, the CEO of Inflooens, entered the mortgage industry as an outsider but brought extensive experience in Salesforce solutions from major corporations. His journey into mortgages began with his frustrating experience as a consumer when, over two decades, he went through eight loan originations with little evidence of technological advancement. Initially, Amit’s vision was to create the best mortgage CRM in the world, but he and his team soon realized that the industry required more than just another database sending out drip campaigns. Through market research and feedback, the team identified an opportunity to address the fragmented nature of mortgage technology systems, often leading to poor experiences for employees and borrowers. As a result, they developed a unified platform that consolidates mortgage operations onto a single screen, making enterprise-grade technology accessible through a subscription model. Inflooens can serve as both a point-of-sale system and a broker loan origination system, with the ability to integrate seamlessly with existing loan origination software (LOS) platforms. This integration reduces the need for loan officers to manage multiple system logins by providing one unified interface. Additionally, the platform’s approach to data consolidation allows companies to build comprehensive customer profiles and identify targeted opportunities. This shift in focus transforms the industry from transactional, rate-centric interactions to value-based relationships that prioritize long-term financial planning and address customer needs. Amit discusses how artificial intelligence (AI) will function as an enablement layer rather than replacing human roles. He points out that certain regulatory aspects of mortgage lending will continue to necessitate rules-based systems to ensure transparency and prevent bias. Simultaneously, AI can enhance efficiency in product recommendations and service optimization. Looking ahead to 2025, Amit believes the mortgage industry is entering a new era of disruption in loan origination and sales. He views the current market cycle as a reset period, with higher volumes potentially accelerating the adoption of new technologies and approaches to mortgage lending. This is a conversation you won’t want to miss!…
Welcome to another episode of the Minds of Mortgage podcast! Prepare for an honest and insightful conversation that could transform your mortgage business! I recently had the opportunity to sit down with Geoff Zimpfer, who has rightfully earned his nickname as the "Chief Truth Teller" of the Mortgage Marketing Institute. This isn’t your typical industry discussion. We cut through the distractions and focus on what truly works in building the essential relationships that keep your pipeline full. Drawing on our extensive experience in the field, we discuss an important issue: Why are so many loan officer-realtor relationships struggling? Trust me, the answer may surprise you. If you’re tired of posting uninspired market updates on social media and receiving little to no engagement, you’ll appreciate Geoff’s innovative approach to enhancing your digital presence. He shares striking examples of loan officers excelling online by being authentic rather than aggressive in their sales tactics. Are you curious about the true secret behind those sought-after referral partnerships? We dive into what distinguishes the top performers from the rest. Spoiler alert: it might not be what you expect, and Geoff’s insights could challenge your current understanding of networking in this industry. As we look ahead to 2025, we'll discuss exactly what you need to do to stand out in an increasingly crowded market. These strategies are not just theories but practical and proven methods you can start implementing tomorrow. By the end of our conversation, you will have a clear roadmap for building authentic relationships that lead to real business growth. Whether you are a seasoned professional or just starting, this is an episode you won't want to miss.…
Today on the "Minds of Mortgage" podcast, we welcome Greg Sher! Greg, who is not only the Managing Director at NFM but also the visionary behind the "All of Us" movement, joined me fresh from our visit to the MBA conference in Denver. You know those gloomy headlines we've all been seeing? Well, Greg spotted something different on the ground in Denver. He had this fantastic conversation with an industry veteran who completely changed his perspective on tech in our business. (Wait until you hear what they discovered about what matters to today's borrowers!) We were honest about the challenges ahead—the kind that keeps us up at night. But here's the thing: Greg sees golden opportunities where most people see obstacles. The way he breaks them down, you'll wonder why you didn't see these possibilities before. Remember how we used to think about client relationships? Greg's take on connecting with younger homebuyers is mind-blowing. He's throwing the old rulebook out the window, and his fresh approach makes so much sense in today's world. And speaking of 2025 – Greg's predictions about independent mortgage bankers are spot on. Trust me, this isn't your typical market forecast. His enthusiasm for what's coming is contagious, and by the end of our chat, you'll probably feel as fired up about the future as we do. If you're in the mortgage business and trying to figure out what's next, this conversation will be a game-changer. Greg doesn't just share insights—he gives you a whole new perspective on where our industry is headed. Ready to have your perspective shifted?…
1. Anthony Casa’s Vision for UMortgage: Anthony discussed the journey that led him to create UMortgage after his previous success with Garden State Home Loans. His goal was to build a scalable mortgage business with a strong focus on training, development, and culture. He recognized that many mortgage companies allowed individual branches too much autonomy, leading to inconsistent practices. In contrast, UMortgage was designed to be a cohesive, aligned organization where everyone follows the same processes and goals. 2. Defining Success at UMortgage: When asked about what it means to be the best mortgage company, Anthony explained that his definition involves two key elements: being the company that everyone wants to work for and being the company that nobody wants to compete against. Drawing parallels to top sports teams, he emphasized the importance of having a strong, unified culture where all employees are held to a high standard and continually push themselves to improve, even in challenging market conditions. 3. The Role of Leadership and Positivity: Anthony emphasized the critical role of leadership in maintaining a positive and solution-oriented mindset, especially during difficult times in the mortgage industry. He criticized leaders who disappear or spread negativity when the market turns, arguing that true leaders must be present, optimistic, and straightforward in their direction. He also shared his philosophy of viewing challenges as opportunities for growth rather than problems to complain about. 4. Adapting to Market Changes and Accountability: As part of UMortgage’s growth strategy, Anthony highlighted the importance of focusing on new relationships and increasing wallet share. He explained that the company’s leadership focuses heavily on accountability and performance, which includes developing leaders who can, in turn, hold their teams accountable. This approach, while challenging, helps create a disciplined and high-performing organization that can thrive in any market environment. 5. Recruiting and Developing Talent: Anthony also emphasized the importance of recruiting the right people and providing continuous training. He noted that many mortgage companies fail by focusing on quick fixes like signing bonuses rather than long-term growth and development. At UMortgage, they invest in recruiting top talent, training them to excel, and holding them to high standards. This focus on continuous development ensures that team members grow with the company rather than stagnate. 6. Building a Customer-Centric Experience: Both Kelly and Anthony discussed the importance of focusing on the customer experience. Anthony pointed out that companies like Rocket Mortgage and UWM have succeeded because they dominate the customer experience. He explained that at UMortgage, the focus is on training employees to consistently deliver excellent service, from prompt communication to ensuring a smooth loan process. This, combined with a strong brand and well-trained staff, is key to long-term success in the mortgage industry. This conversation highlighted the importance of leadership, culture, training, and a customer-first approach in building a successful mortgage company.…
In this episode of Minds of Mortgage, we're thrilled to focus on Joe Wilson, the innovative CEO and founder of Social Coach. Joe shares his deep understanding of the intersection between mortgages and social media, offering listeners an exclusive insight into how digital platforms can be leveraged for brand enhancement. Under Joe's leadership, Social Coach specializes in automating social media processes to maximize brand outreach while ensuring strict compliance with industry regulations. As more and more mortgage professionals turn to social media as part of their brand strategy, Joe stresses the importance of staying compliant with regulations while effectively reaching a wider audience. He explains how Social Coach employs cutting-edge technology to automate post-scheduling, content curation, and lead generation processes. This not only saves valuable time but also helps ensure that posts are in line with compliance standards. With automation at the forefront, mortgage professionals can focus on building solid client relationships instead of getting bogged down by tedious social media processes. Take advantage of this opportunity to learn from a pioneer reshaping how the mortgage industry engages with social media. Tune in to this episode to gain practical strategies and actionable advice to broaden your professional presence significantly.…
This week's episode spotlights Kayla Kallander, a visionary and trailblazer in the mortgage arena. With her distinctive talent for merging authenticity with social media savvy, Kayla shares insights on engaging audiences and bolstering brand growth effectively. Known for her innovative approach, she crafts genuine content that captivates and cultivates trust and authentic relationships with clients. Her expertise provides invaluable guidance for those eager to excel in today's ever-evolving mortgage industry. We also talk frankly about the recruiting highs and lows she has experienced this year as she develops her brand and enters a more national conversation. As many do, Kayla has weighed out the pros and cons of working at a bank, as a broker, or in retail. It’s a fascinating look at the other side of recruiting. Whether you want to redefine your social media strategy or deepen your client connections, this episode with Kayla Kallander is an essential listen. Minds of Mortgage Focus: • Holistic Coverage: We offer insights into marketing, compliance changes, and the impact of technology while also providing personal finance and homeownership tips. • Focus on Emotional Well-being: We explore the emotional and personal challenges in the mortgage industry and offer support for managing stress and finding work-life balance. • Diverse Expert Interviews: Listen to a wide range of experts—from financial advisors to tech innovators—offering a well-rounded perspective on industry trends. • Actionable Advice: Our podcast provides practical strategies that can be immediately implemented to enhance your professional life, empowering you to take action and excel in your career. Join us for insightful discussions on the latest trends, technology, and personal finance tips every mortgage professional needs to know. But we don't stop there. We also explore the emotional side of a highly stressful career, sharing stories and strategies for success and well-being. This podcast is your go-to mortgage source with expert interviews and actionable advice. Unlock the Minds of Mortgage and elevate your career today. Call to Action Ready to elevate your mortgage career? Don't miss out on the practical advice and inspiring insights we offer. Subscribe to the Minds of Mortgage Podcast now and stay ahead in the industry.…
Technological advancements in an increasingly complex regulatory world drive a modern mortgage company. For mortgage companies aiming to scale and thrive, meeting these challenges head-on requires more than just a keen business sense—it demands robust legal expertise. This blog post explores why hiring a smart in-house legal team is beneficial and critical for mortgage companies with ambitious growth plans. Today’s Minds of Mortgage guest is Hailey Rice, the Chief Legal Officer at Total Mortgage. With a dynamic background that includes roles as general counsel, chief compliance officer, and fintech product leader, Hailey brings a wealth of experience to the conversation. In this episode, she discusses the pivotal role of in-house legal teams in the mortgage industry, emphasizing how legal expertise is critical for navigating complex challenges and maintaining compliance during rapid scaling efforts. By integrating legal knowledge into its decision-making processes, Total Mortgage has navigated complex challenges and maintained compliance, all while expanding its market presence. Tune in to learn how an innovative, effective legal team can drive growth and success in the mortgage sector.…
We are honored to have Robin Clayton as our guest in our upcoming episode. Robin is a seasoned Digital Strategy Leader at PRMG, where she excels in MarTech, Marketing Operations, Communications, System Implementation, Marketing Automation, Social Media, Sales Training, and Campaign Management. With a wealth of experience in driving digital transformations and implementing marketing technologies, Robin has been recognized as one of Housing Wire’s marketing leaders to watch for 2024. Episode Highlights: • The evolution of mortgage application processes • Emerging trends in mortgage technology • Success stories and innovative strategies in the mortgage industry from those building the future Join us as we unravel the complexities of mortgage technology and discover how these advancements are revolutionizing the industry. Whether you're a loan officer looking to stay ahead of the curve or simply passionate about the future of finance, this podcast is a valuable resource for you, providing insights and knowledge that can empower your professional journey. Don't miss out on the latest insights and expert advice—subscribe to Minds of Mortgage today!…
Welcome to the latest Minds of Mortgage podcast, hosted by Kelly Yale. In this episode, Kelly sits down with Michael Hammond, President and Founder of Nexlevel Advisors, to discuss how technology is reshaping the home loan landscape. Michael Hammond brings over 25 years of executive mortgage experience to the table. Known as the "LinkedIn master," he hosts the popular Fintech Hunting podcast, writes a weekly mortgage update called Monday Morning Fuel Up, and sends out the industry-renowned Weekly Mortgage Rewind newsletter.…
I had the honor of being joined by the incomparable Dave Savage. We often say, "This person needs no introduction," but that phrase truly holds for Dave. Across the industry, he is universally respected for his profound impact on the mortgage tech. Serving as the CIO for Trust Engine Mortgage and the co-founder of First Home IQ, his contributions through Mortgage Coach have revolutionized how professionals approach mortgage advising. However, his heartfelt dedication to the industry is what truly sets Dave apart. Known for his remarkable influence and innovative approach, Dave shares his in-depth knowledge of providing meaningful advice that transcends traditional service. Today, Dave tells the riveting story of his entry into the mortgage sphere, driven by necessity, ambition, and a fortuitous meeting. Initially struggling academically due to dyslexia and ADD, Dave found his calling in technology and mortgages, leveraging his knack for understanding and simplifying complex financial decisions. From earning substantially in his early months in the mortgage business to founding Mortgage Coach in 1996, Dave's journey is a testament to the power of innovation and customer-centricity. He impressively articulated his philosophy that success comes from being genuinely valuable to others and striving to enhance their financial freedom and net worth far beyond their initial goals. Dave Savage's story isn't just inspiring; it's a blueprint for redefining success in mortgage advising through passion, innovation, and an unwavering commitment to adding value. This episode is not just a conversation; it's an opportunity to learn from a visionary who has consistently been at the vanguard of leveraging technology to redefine success in the mortgage field. Join host Kelly Yale in uncovering the principles and practices that have made Dave Savage a beacon of leadership and innovation. Whether you're a seasoned industry veteran or new to the mortgage scene, this episode is packed with actionable insights and wisdom to take your practice to the next level. Tune in to redefine your approach to mortgage advising and unlock the potential for unparalleled success.…
In this deep-dive discussion, host Kelly Yale sits down with Brian Vieaux, the president and chief operating officer of Finlocker, dubbed the “King of LinkedIn” by Kelly for his thought leadership in financial literacy and mortgage technology. Brian shares his fascinating 30+ year journey in the mortgage industry, starting from ground zero in housing finance and mortgage origination in 1991, navigating through the evolution of mortgage technology, and positioning himself at the forefront of innovating financial tools that empower lenders. This episode also sheds light on Brian's decision to pivot from mortgage production into the tech sphere and his vision for the future of mortgage lending and borrower education. Join us to uncover actionable insights into leveraging technology to improve financial literacy, enhance the home buying process, and the intrinsic value of human connection in the digital mortgage landscape.…
In an industry often dominated by notions of toughness and resilience, Kelly and Ashley know the transformative potential of vulnerability in female leadership. They explore how embracing openness fosters deeper connections, instills trust, and drives meaningful organizational change. Sharing personal stories and candid insights from their mortgage industry experiences, Kelly and Ashley are focused on raising the next generation of female leaders.…
Drawing from their own experiences in the mortgage industry, Kelly and Ryan share candid insights and personal anecdotes, highlighting the importance of authenticity, empathy, and compassion in leadership roles. They discuss strategies for creating a culture of support and inclusivity, where individuals feel empowered to share their struggles and seek help when needed.…
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.