Mike Cush, VP of Purchase Strategy, AmeriSave Mortgage.  Key Highlights:  AI agents will change how consumers select lenders; profitability requires a more efficient organization; data will become a major competitive

Jon Overfelt, Director of Sales, ASMC. Key Highlights: develop and retain LOs instead of constantly recruiting; develop 90-day execution plans; protect profitability and the balance sheet; and make faster decisions

Scott Johnson, Divisional Executive, CMG Home Loans. Key Highlights: growth is non-negotiable; junior LO model; AI should increase capacity, not simply eliminate people; and profitability has to become the discipline

Steve Capen, Director Strategic Growth, First United Bank. Key Highlights: recruiting is prospecting—not waiting for candidates; leadership problems create recruiting opportunities; recruiting requires speed and accountability; and production alone doesn’t

Malcolm Hollensteiner, Director Home Loan Strategic Sales, Atlantic Union Bank. Key highlights include: stop waiting for the market to improve; banks have an underused competitive advantage; home-equity management could be

Joe Camerieri, Lenders One, discussed the Outlook for 2027. Key highlights: lenders need to look inside for untapped production; profitability and efficiency matter more than volume; HELOC boom may have

Dustin Gray, Founder & CEO, Homeowners.ai.  Key Highlights: 80% of borrowers forget their loan officer within 3-6 months-Why?; birthday cards and drip emails are not retention; your database is bigger

Joe Camerieri, SVP, Sales & Strategy, Lenders One. Key Highlights:  AI isn’t the magic bullet—lenders are aiming at the wrong target; the real cost savings live behind the scenes; real estate

Dustin Owen, Creator & Host of The Loan Officer Podcast (TLOP).   Key Highlights:  mortgage industry lacks true business management discipline; developing new talent is underutilized; broker channel is gaining energy