Why start an industry group like PROGRESS in Lending Association? “Going forward, given the recent turmoil, the mortgage space is literally going to be transformed,” answered Tony Garritano. “I formed this association to ensure that this transformation is for the better and not for the worse. Technology is going to play a critical role in how mortgage lenders comply with new regulation, remain competitive, ensure profitability, and serve borrowers looking to get their piece of the American Dream. That’s why this association was formed.”

As a speaker Tony has worked hard to inform executives about how technology should be a tool used to further business objectives. For over 10 years he has worked as a journalist, researcher and speaker in the mortgage technology space. Starting this association was the next step for someone like Tony, who has dedicated his career to providing mortgage executives with the information needed to make informed technology decisions.


In detailing the industry significance of PROGRESS in Lending Association, Roger Gudobba believes, “The mortgage industry has always lacked strategic thinking. It’s slow to embrace new ideas. PROGRESS in Lending Association provides a place for thoughts and ideas to flow freely. It’s easier to move things forward when you’re in a group. This association is a central place for industry participants to have discussions about how technology can improve the process.”

Roger has over 30 years of mortgage experience. Before retiring he was Vice President, Mortgage Markets at technology vendor Compliance Systems. He is a long-time advocate of data standardization and a more data-driven approach to mortgage lending. Roger was instrumental in forming the Mortgage Industry Standards Maintenance Organization and an active participant for 17 years. He was the recipient of Mortgage Technology Magazine’s Steve Fraser Visionary Award in 2004, the Lasting Impact Award in 2008 and a Mortgage Banking Technology All-Star in 2005.


What can Progress in Lending Association do for the mortgage industry? Michael Hammond noted, “There currently is a void in the mortgage industry where technology and business discussions can openly and candidly take place to address industry problems. In the past year alone the mortgage industry has had to adapt to business-changing regulation like MDIA and RESPA, for example. Coming next year we’ll see the broadening of state licensing and TILA reform. All of these challenges call for automated solutions. I joined PROGRESS to be part of the solution.”

Michael is the founder and president of NexLevel Advisors. They provide solutions in business development, strategic selling, marketing, public relations and social media. He has close to two decades of leadership, management, marketing, sales and technical product experience. Michael held prior executive positions such as CEO, CMO, VP of Business Strategy, Director of Sales and Marketing and Director of Marketing for a number of leading companies. He is also only one of about 60 individuals to earn the Certified Mortgage Technologist (CMT) designation.