Stephen Moye, Producing Sales Mgr/Sr. Loan Officer, New American Funding. Key Highlights include: ownership is often given without readiness; production skill does not equal operational leadership; ownership is a trade-off, not a promotion; the economics of leadership no longer work; and the industry model is misaligned with the future.

Jay Crowell, President, National Retail Division, Cornerstone Home Lending. Key Highlights: mission over money drives long-term success; the future belongs to human value, not just information; high performers are ruthless with focus; database equals the most underutilized goldmine; and great managers balance care and accountability.

Eric Mitchell, Chief Revenue Officer, NEXA Mortgage. Key Highlights include: change is no longer optional; top talent leaving is the #1 warning sign of a failing organization; learning equals value; the problem isn’t knowledge—it’s execution; and systems are no longer optional especially CRM.

Paul Wyner, Chief Solutions Officer, Revolution Mortgage. Key Highlights include: AI in mortgage is an evolution—not a replacement; the biggest shift is from tools to orchestration; lack of adoption is the real risk; AI should augment not replace human roles; and the real opportunity is freeing salespeople to sell.

Pat Polson, SVP, Div. Sales Mgr for NC/VA/TX. Key highlights: retention starts in recruiting, not after the hire; managers must uncover a candidate’s real “why”; day one onboarding must create a “wow” experience; retention requires ongoing manager involvement; and lenders must be honest, intentional, and structured.

Mike Cush, VP of Purchase Strategy, AmeriSave. Key Highlights: removing friction must start with the consumer, not the lender; too much tech is built to help the lender, not improve the customer experience; AI should simplify the process; best place to reduce friction is a the beginning of the home search; and lenders need to rethink their strategy now because AI will change mortgage quickly.

LaTasha, President, NFM Lending. As a lawyer (and a mom of five), LaTasha wanted to write something for her children about making wise decisions, then expanded it into a creative way to teach financial literacy. Key highlights include: money can be used in more than one way; spending is ok—but not all at once; create a simple plan—spending and saving; future—you needs to have options; and making wise money decisions.

John Owens, CEO Primis Mortgage Co. and author. Key highlights include: culture drives long-term success; leadership begins with self-awareness; core values must be authentic and actionable; culture determines performance and strategy and technology depend on culture.