Pat interviewed Ryan Todd, Chief Capital Markets Officer, V.I.P. Mortgage.  Key Highlights:  fix the process before buying more technology; measure ROI, not vendor features; root cause analysis comes before automation; and the future belongs to lenders...

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Brian Koss, Regional Manager, Movement Mortgage. Key Highlights:  80% of borrowers forget their loan officer within 2-3 years; generic drip campaigns are dead; your database is either an annuity or a graveyard; and the best loan...

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