As our mission statement says, PROGRESS in Lending Association was formed because we believe that “business process re-thinking and optimization can make all the difference. This association is about educating mortgage participants about how to face real business problems and overcome those business problems through technology innovation.” Now we’re going one step further. Technology is great, but embracing technology for the sake of embracing technology never works. Lenders have to implement technology that addresses their unique business challenges. So, how do we truly know what headaches lenders face today? We have enlisted a group of business-savvy and technology-savvy lenders to directly join our cause. I am proud to present the members of the PROGRESS in Lending Association Lender Advisory Panel:
JOE DAHLEEN :: Primary Capital Mortgage
Joe Dahleen is currently Senior Vice President of Marketing at Primary Capital Mortgage, a Resource Capital Corp. company. Prior to joining Primary Capital Mortgage in November 2013, Joe previously was Executive Vice President and Head of Mortgage Originations at Elevation Home Loans, LLC, which was a start-up residential mortgage company acquired by Resource Capital Corp. Joe is a 21-year veteran of the mortgage industry who specializes in executive management and strategic marketing. He is known for being a strong advocate of technology and an expert in leveraging the latest communication methods to support successful growth.
GELLERT DORNAY :: Axia Home Loans
Gellert Dornay is the Chief Executive Officer of Axia Home Loans and leads the development and execution of the company’s strategic plans and objectives, and directs all corporate operations. He is a co-founder of the company and helped to assemble the excellent team that is responsible for making Axia Home Loans a strong independent Northwest mortgage banker. Locally owned and operated, Axia Home Loans is a full service mortgage banker dedicated to assisting clients with their mortgage lending needs. Axia Home Loans provides access to an array of products and customized lending solutions. Axia Home Loans is recognized as a prominent mortgage banker in the Pacific Northwest.
MICHELLE GATELY :: Middlesex Federal Savings
Michelle Gately is Vice President – Lending at Middlesex Federal Savings, a full service community bank that understands the importance of local decision making. For more than 125 years, the bank has built strong, long-term personal and business relationships with neighbors throughout the great Boston community. Michelle has more than 30 years of industry experience including origination, underwriting and compliance. She manages the Bank’s residential lending origination, underwriting, closing and secondary market efforts.
JUSTIN GLASS :: United Wholesale Mortgage
Justin Glass is the Chief Digital Officer at United Wholesale Mortgage (UWM). A leading innovator and architect of UWM’s systems and technology for 10 years, Glass’ ability to marry his knowledge of the mortgage business with the leading modern tech tools have helped grow UWM into the #1 wholesale lender in the nation. Glass spearheaded UWM’s digital efforts to stay ahead of the regulatory curve, building a custom loan origination system (EASE) and self-closing platform for mortgage brokers (UClose) that allowed UWM to accelerate its closing times even after TRID went into effect – while the rest of the industry suffered delays. With a finger constantly on the pulse of the latest game-changing technology trends, Glass is always looking for creative ways to improve UWM systems and create an unparalleled broker experience.
PATRICK HARTFORD :: Quicken Loans
Patrick Harford is Vice President, Emerging Technology at Quicken Loans. At Quicken Hartford evangelizes in support of standards and to move the industry into a more streamlined process. He developed a modified Agile software development life cycle. He also continually seeks to automate manual processes using and reusing existing systems. Hartford has been tasked to design and implement electronic closings. This includes technical architecture, design and roll out. This also includes fulfilling the business needs to deliver to Quicken’s partners, customers, and investors the most secure, efficient and usable solution currently possible. In addition, he speaks at conferences and seminars on the benefits of electronic mortgage and automation.
DANIEL H. JACOBS :: Pro Mortgage Branching Solutions
A recognized mortgage thought leader and entrepreneur, Daniel H. Jacobs is an executive who enjoys building and growing companies that solve industry problems through a delicate combination of technology and systems implementation, smart infrastructure. For example, Daniel grew 1st Metropolitan’s parent company from six offices and $100 million per year in production in 2000 to a 250 branch $4.2 billion production company with a sterling reputation throughout the industry. In 2011, Daniel went on to build a leading retail branching mortgage banking operation at Residential Finance, as a new business channel, from zero to $120 million per month production channel in two years.
BRIAN KOSS :: Mortgage Network, Inc.
In September 2006, Brian Koss joined Mortgage Network, Inc. of Danvers, MA as an Executive Vice President of National Production. Mortgage Network, a lender founded in 1988, currently runs a $2.5B annual retail business with a 98.7% customer satisfaction rating. Brian brings with him 25 years in the business and has personally lent as a Loan Officer over $1Billion in home loans. From 2002 to 2006 Brian was the SVP of New England for Countrywide Home Loans. Under Brian’s tenure, Countrywide Home Loans climbed from #11 to #1 in Purchase Loan ranking in New England with $5B in total annual production employing 40% less originators than the #2.
OWEN LEE :: Success Mortgage Partners, Inc.
Owen Lee is the Co-Owner of Success Mortgage Partners. Success Mortgage Partners is a successfully incorporated company, which obtained first and second mortgage lending licenses in Michigan. Lee successfully started the main office in Plymouth and operations systems for all of the company’s branches. He also built the staff of over 50 loan officers. In addition, the company gained FHA/VA approval; approval with over 110 mortgage investors; and is an exclusive third-party origination arm for Michigan Heritage Bank. As of September 1, 2001, Lee was the only person to simultaneously hold the following licenses in the State of Michigan: Attorney and Member, State Bar of Michigan, Licensed Title Examiner, Real Estate Broker and State Licensed Real Estate Appraiser.
JAMES MORIN :: Norcom Mortgage
James Morin is the Senior Vice President of Retail Lending at Norcom Mortgage, headquartered in Avon, CT. Since joining Norcom in 2009 he has helped grow the company to a Regional Lender that is now licensed in 18 states and was recognized as one of the “Fastest Growing Lenders in New England.” James has been instrumental in leading the strategic expansion of Norcom production and is in charge of Norcom’s retail platform, including the inside and outside sales departments, marketing, strategic planning, and product development, as well as training and overseeing the sales staff. He has also helped grow Norcom into an active Ginnie Mae Issuer and Seller/Servicer with Fannie Mae and Freddie Mac.
A.W. PICKEL, III :: LeaderOne Financial
A.W. Pickel, III is President, CEO, and founder of LeaderOne Financial, one of the leading regional mortgage lenders in the mid-west. His vision has taken LeaderOne from its simple roots in 1992 as a mortgage brokerage in Lenexa, Kansas, and grown it into a full service mortgage banking operation approved to underwrite conventional and government loans. He served on the Freddie Mac LP Advisory Committee from 2004 to 2008. From 2003 to 2005, he was also a member of the Fannie Mae Housing Impact Advisory Council. From 2003 to 2004, Mr. Pickel served as President of the National Association of Mortgage Brokers (NAMB).
EDMUND POLI :: Poli Mortgage Group, Inc.
Edmund “Chip” Poli is President and CEO at Poli Mortgage Group, Inc. Chip has 20 years of experience in the real estate industry and has been consistently ranked in the top 1% of mortgage originators in the country. His expertise is broad-based, with strong foundation in real estate sales, extensive experience in recruitment and management of highly successful brokers and sales teams, and exemplary leadership abilities which have enabled him to quickly achieve phenomenal success at Poli Mortgage Group, Inc. Committed to providing financial services that were second to none in the mortgage industry, Chip and his brother, Chris, founded Poli Mortgage Group, Inc. in 2001.
RICK ROQUE :: Menlo
Rick Roque is Vice President and Director of Retail Operations at Menlo Company. Rick entered the mortgage space in 2001 by raising capital for a company called PushMX Software. He later started Menlo Company where he worked directly with mortgage and banking firms who had a desire for acquisitions, were seeking warehouse lines, private capital placements, and an interest in new technology solutions. Roque is an accomplished national speaker on mortgage technology and market trends to both educate banking professionals about product trends, forecasts and technology enhancements.
LISA SCHREIBER :: Sprout Mortgage
Lisa Schreiber is Executive Vice President, Operations at Sprout Mortgage. Sprout’s loan programs are designed to appeal to a broad range of homebuyers. The programs are affordable, and each program is designed to serve an important demographic. In terms of Lisa Schreiber, she is a true mortgage industry veteran that has worked with lenders, technology vendors and as a consultant. She was a Regional VP at Bank of America; EVP at American Brokers Conduit; EVP of Wholesale Lending at TMSFunding Wholesale Lending; VP of Correspondent Lending at New Penn Financial; VP, Lender Business Development at Ellie; President at LSK Consultants, etc.
JAMES A. WILSON :: Farmington Bank
James A. Wilson is the Senior Vice President, Director of Residential and Consumer Lending at Farmington Bank. On Farmington Bank’s first day of business in 1851, initial deposits totaled $88.70, money that represented the hard-earned savings of residents and businesses across the Farmington Valley. Farmington Bank has grown to a major financial institution with $2.9 billion in assets. For three consecutive years Farmington Bank has been selected as Best Community Bank in Hartford Magazine’s 2017 Readers’ Poll. The results of more than 200,000 votes in several categories make up the Annual Best of Hartford Magazine Readers Poll.
WILLIAM J. ZAFIRSON :: Bank of New Hampshire
William J. Zafirson is the Senior Vice President, Chief Retail Lending Officer at Bank of New Hampshire. He has over 31 years of experience in the financial services industry with vast experience in the lending area. In his role with Bank of New Hampshire, Zafirson is a member of the Senior Management Committee and oversees responsibility for the overall mortgage and consumer lending functions. Bank of New Hampshire was founded in 1831, has 24 offices and assets in excess of $1.4 billion. Bank of New Hampshire is the oldest and largest independent bank in the state. Prior to joining Bank of New Hampshire, Zafirson spent 14 years with TD Bank and predecessor organizations, where he was the overall Mortgage Sales Manager for the organization, responsible for the Mortgage Loan Officer, Banking Office, Telephone and Web Channels covering the territory from northern Maine to New York to Philadelphia.