Dave Savage, Chief Growth Officer, TrustEngine & Founder, Mortgage Coach. Highlights include:  real competitive edge comes from identifying and addressing consumer needs—even before the consumer is fully aware they have them; success

Dave Savage, Chief Growth Officer, TrustEngine & Founder of Mortgage Coach.  Highlights include:  discussion of transactional training vs advisory model; the trap of price and rate thinking; leadership’s role; the

Rich Weidel, CEO, Princeton Mortgage. Highlights include:  industry profitability challenges; misalignment across the organization; productivity as the key driver of cost; cultural and leadership issues and path forward: transparency and

Randell Gillespie, President, LeaderOne Financial.  Highlights include:  true sales entrepreneurship requires initiative, risk and ownership; avoid the “herd mentality”; managers must foster a “retailpreneur” culture; leadership demands selflessness and coaching and

Bernard Nossuli, COO, iEmergent.  Highlights include:  minority homebuyers will drive future growth; denial rates are higher for diverse borrowers; data-driven targeting is the new competitive advantage; most lenders lack a

Andrew Panagos, President, GO Mortgage.  Highlights include:  mortgage business model is outdated and needs reinvention; senior leadership faces an innovation gap; recruiting young talent requires a different strategy; consumer behavior

Jesse Allen, President, Rate.  Highlights include:  reverse mortgages–niche to necessity; regulatory reforms have made reverse mortgages safer; distribution and awareness are the biggest constraints and future growth requires innovation in

Brian Boyles, National Sales Manager, Middleton Advisory Group.  Highlights include:  recruiting is still the #1 priority but needs a smarter approach; compensation is over-discussed; leadership quality and culture drive recruiting

Jerry Rader, SVP, Strategic Growth & Development, ALCOVA Mortgage.  Highlights include:  face-to-face communication builds trust; incentivizing retention with shared upside; retention requires a post-sale strategy; cultural fit beats highest bid and