Batting 1,000 with Dale Vermillion

Barry Habib is back—the only guest to appear every season of *Batting 1,000*. He’s the industry’s most trusted market voice, credited with guiding lenders through COVID-19’s margin call crisis and winning the Crystal Ball Award a record four times.Barry is CEO & Founder of MBS Highway (now Highway.ai), author of the best-seller *Money in the Streets*, and the newest member of Fannie Mae’s governing board. Simply put: nobody calls the market like Barry.In this episode, Dale and Barry dive into:Why investment loans are a huge opportunityA hidden provision in the Big Beautiful Bill borrowers will loveWhy trust is more valuable than ever in the AI eraThe exact playbook top LOs are running right nowAnd what beating cancer taught Barry about happinessConversations like this usually cost thousands at industry events—this one’s free, wherever you listen or watch.

With major players racing to own the entire homeownership journey, AI reshaping how we work, and digital natives entering their prime buying years, the mortgage industry is at a turning point.So, Dale Vermillion sat down with the president of its largest tech provider to ask a simple question: Where is this all going?The answer might surprise you.Tim Bowler, President of ICE Mortgage Technology, isn’t just focused on making lending faster or more efficient—he’s on a mission to make it more human.From mobile-first tools to predictive analytics and AI-driven servicing, ICE is building technology that helps mortgage professionals deliver both speed and personalization—at every stage of the borrower journey.In this episode, Tim and Dale dive into:‣ Why the future of lending is high-tech and high-touch‣ How AI can elevate people instead of replacing them‣ What today’s borrowers actually need from lenders‣ What gives Tim hope about where the industry’s headed‣ A case study on rebuilding homeownership in DetroitIf you’re wondering how you or your company fit into the future of lending—and want a competitive edge to get there—this episode will leave you encouraged, inspired, and ready to lead.

In real estate, relationships aren’t just a bonus—they’re the foundation.Few understand that better than Michael Tomlin, one of the top 1.5% of agents in the country and a top 5% Coldwell Banker producer globally four years running. Based on Florida’s Emerald Coast, Michael has built a thriving real estate business on one principle: relationships over transactions.In this episode, Dale and Michael unpack:✅ How the NAR settlement is actually playing out✅ What agents want from lenders (beyond rates)✅ The #1 deal killer—and how to avoid it✅ Why niche products and problem-solving matter✅ How faith and family fuel Michael’s successWhether you're in lending, real estate, or both, this conversation is a masterclass in how to build trust, deliver value, and stay ahead in a changing market.#RealEstate #MortgageLending #LoanOfficers #NARSettlement #MichaelTomlin #DaleVermillion #Batting1000About Michael TomlinMichael Tomlin is a top-performing real estate professional on Florida’s Emerald Coast, ranked among the top 1.5% of agents nationwide by America’s Best in both 2023 and 2024. He has earned Coldwell Banker’s International President’s Circle Award for four consecutive years—an honor reserved for the top 5% of agents globally.Known for his “relationships over transactions” approach, Michael has built a reputation for integrity, dedication, and deep local expertise. He specializes in condos, single-family homes, first-time buyers, and new construction. When he’s not helping clients navigate the real estate market, Michael enjoys life as a devoted husband and father of four.Connect with MichaelInstagram → instagram.com/mrmichaeltomlinFacebook → facebook.com/michaeltomlinrealestateLinkedIn → linkedin.com/in/michael-tomlin-9b183b112YouTube → youtube.com/c/itsmichaeltomlinAbout Dale VermillionDale Vermillion, an industry icon, has trained over 1,000,000 lending professionals and worked with more than 600 organizations. He is a three-time HousingWire Vanguard, a member of the 2022 Global Mortgage 100, and the author of Navigating the Mortgage Maze. Dale is also the founder of Mortgage Professionals Providing Hope.Connect with DaleLinkedIn → linkedin.com/in/dalevermillionYouTube → youtube.com/@DaleVermillionFacebook → facebook.com/dalevermillionofficialX → x.com/dalevermillionWebsite → dalevermillion.comEmail → listen@dalevermillion.comAbout Batting 1,000Batting 1,000 with Dale Vermillion is a production of Mortgage Champions. The show is produced and edited by Jake Vermillion. Music by Envato Elements.

In an industry where profitability and production often take center stage, credit unions have a unique edge: a service-first mindset that puts members ahead of margins.No one understands this better than Peter Benjamin, President of ACUMA and a seasoned leader in the lending industry. A Certified Mortgage Banker and Six Sigma Black Belt, Peter has spent nearly two decades helping credit unions navigate the complexities of mortgage lending while staying true to their mission.In this episode, Peter and Dale dive into:‣ Why credit unions are uniquely positioned to thrive in today’s market‣ The key habits of top-performing lenders that set them apart‣ The “S-word” credit unions need to embrace to remain competitive‣ How technology, social media, and proactive marketing can drive real growthIf you’re in the mortgage industry—whether at a credit union, bank, or IMB—this conversation will challenge the way you think about customer relationships, mortgage marketing, and long-term borrower retention.About ACUMAThe American Credit Union Mortgage Association (ACUMA) is a non-profit trade association dedicated to supporting and advancing credit unions in the mortgage lending industry. Exclusively composed of credit union professionals and their primary suppliers, ACUMA serves as a vital resource for networking, education, and advocacy in home finance.🔗 Become a member🔗 Explore upcoming events🔗 Get involved in ACUMA's communityAbout Peter BenjaminPeter Benjamin is the President of ACUMA and a seasoned leader with nearly two decades in the lending industry. A Certified Mortgage Banker and Six Sigma Black Belt, he has a proven track record of leading high-performing teams, driving growth, and streamlining processes for efficiency and profitability.A graduate of the MBA’s Future Leaders Program, Peter brings deep expertise in lending, finance, product development, and strategic planning—all with a people-first, service-driven approach. He also serves as a board member of the Bollinger Foundation, reflecting his commitment to making a lasting impact beyond the industry.Connect with PeterLinkedIn → https://www.linkedin.com/in/peterjbenjamin/About Dale VermillionDale Vermillion, an industry icon, has trained over 1,000,000 lending professionals and worked with more than 600 organizations. He is a three-time HousingWire Vanguard, a member of the 2022 Global Mortgage 100, and the author of Navigating the Mortgage Maze. Dale is also the founder of Mortgage Professionals Providing Hope.Connect with DaleLinkedIn → linkedin.com/in/dalevermillionYouTube → youtube.com/@dalevermillionFacebook → facebook.com/dalevermillionofficialX → x.com/dalevermillionWebsite → dalevermillion.comEmail → listen@dalevermillion.comAbout Batting 1,000Batting 1,000 with Dale Vermillion is a production of a...

In this episode of Batting 1,000 with Dale Vermillion, Dale sits down with Shant Banosian, America’s #1 loan officer with over $9 billion in funded loans, to break down what it takes to build a thriving mortgage business—even in challenging markets. Shant shares 10 powerful lessons on how loan officers can level up by mastering the fundamentals, controlling conversations, and building high-impact teams.Shant doesn’t just talk about success—he lives it. From cultivating lifelong client relationships to staying ahead of market shifts, this conversation is packed with actionable insights for mortgage professionals, sales leaders, and anyone in the lending space looking to hit their own home run.Key Takeaways:Relationships > Transactions — Build trust and focus on long-term partnerships, not just quick deals.Control Your Calls — A structured call approach is essential to guide clients and differentiate yourself.Become an Expert — You can’t fake it. Stay informed on products, market trends, and processes.Educate Your Clients — Help clients understand what matters beyond just rates to build lasting trust.Build a Strong Team — Scale by surrounding yourself with talented people in clearly defined roles.Know Your Numbers — Track key metrics weekly and make quick adjustments to stay on target.Work Smart, Stay Balanced — Build systems that allow you to focus during work hours and unplug at home.Never Stop Learning — Seek mentorship, coaching, and continuous improvement to stay ahead.See Hard Markets as Opportunities — Difficult times are when you can gain market share and loyalty.Stay Ahead of Changes — Anticipate future trends and be ready to adapt before the market shifts.Links & Resources:Connect with Dale Vermillion on LinkedIn: Dale Vermillion LinkedInLearn more about Shant Banosian: Shant Banosian LinkedInFollow Batting 1,000 with Dale Vermillion for more episodes.If you enjoyed this episode, don’t forget to leave us a review and share it with your network. Every rating helps us reach more people with practical strategies to grow their businesses and lead with excellence.

The average age of a first-time homebuyer in 2024 was 38—nearly a decade older than it was just 10 years ago. For too many Americans, the dream of homeownership feels increasingly out of reach, causing their overall wealth to lag behind that of their parents at the same age.While headlines focus on the housing affordability crisis, another critical issue is unfolding—one that rarely makes the news: the widespread lack of financial literacy among American consumers.As an industry, we have a vested interest in ensuring future generations of homeowners not only understand how homeownership builds financial security but also develop the financial disciplines needed to qualify sooner rather than later.It's a challenge that FirstHome IQ, a nonprofit founded and supported by mortgage professionals, is working to solve. Leading this effort is Kristin Messerli, a home finance educator and advocate who has dedicated her career to making homeownership more attainable.Don’t miss this timely conversation about one of the most pressing challenges—and greatest opportunities—facing the mortgage industry today.About FirstHome IQFirstHome IQ is a nonprofit organization dedicated to providing homeownership education, inspiration, and resources to ensure equal opportunities for the next generation to build wealth through homeownership. Their approach includes online education featuring engaging content on financial literacy, a curated selection of tools such as payment calculators and budgeting apps, and outreach efforts in collaboration with schools and community organizations to deliver on-site education. By enhancing financial literacy, they aim to help individuals avoid costly mistakes, reduce financial stress, and plan effectively for the future.🔗 Learn more about FirstHome IQ🔗 Sponsor a student or class🔗 Become a FirstHome IQ AmbassadorAbout Kristin MesserliKristin is a speaker and researcher on nextgen homeownership and financial wellness. Her background includes social work with unhoused youth, homebuyer education, and developing outreach programs. She founded and sold the digital marketing agency, Cultural Outreach, and authors the NextGen Homebuyer Reports, surveying over 4,000 millennial and gen z homebuyers.Connect with KristinLinkedIn → https://www.linkedin.com/in/kristinmesserli/About Dale VermillionDale Vermillion, an industry icon, has trained over 1,000,000 lending professionals and worked with more than 600 organizations. He is a three-time HousingWire Vanguard, a member of the 2022 Global Mortgage 100, and the author of Navigating the Mortgage Maze. Dale is also the founder of Mortgage Professionals Providing Hope.Connect with DaleLinkedIn → linkedin.com/in/dalevermillionYouTube → youtube.com/@dalevermillionFacebook → facebook.com/dalevermillionofficialX → x.com/dalevermillionWebsite → dalevermillion.comEmail →

Endeared to history as the last great Philosopher King, Marcus Aurelius's legacy is shaped more by his stoic writings than by his imperial conquests.Similarly, I believe Nathan Knottingham—Chief of Staff at Vetted VA and Co-Founder of MLO Force—will be remembered more for his insights into leadership, the heart of service, and the centrality of purpose than for his daily impact in reshaping our industry.As an advocate for housing for veterans and an expert in continuing education training, Nathan is a wealth of knowledge for lenders and loan officers. But throughout this dynamic conversation, it became clear that he has a challenge for every originator, branch manager, and mortgage executive willing to listen: to be better and do better—not just for ourselves, but for our industry, our teams, and the borrowers we ultimately serve.This conversation will leave you reflecting on how you lead your team, serve your clients, and, ultimately, live out your purpose in business and life.About MLO ForceMortgage loan originators and brokers wield great power in the lives and dreams of American homeowners. With that power comes (you guessed it) great responsibility. MLO Force believes the mortgage journey should transcend the transactional and become transformational for the aspiring and existing homeowners we interact with. Our CE aims to bring out the best in every MLO—to be a mortgage hero to your borrowers; ethical, people-first, and ready to do what it takes to make a difference in their lives.🔗 *Learn more:* https://www.mloforce.com/🔗 *Explore courses:* https://www.mloforce.com/courses🔗 *Read the blog:* https://www.mloforce.com/blog-1About Nathan KnottinghamNathan Knottingham is transforming online education in the mortgage sector. As the CEO of MLO Force, Nathan leverages his experience as both a leader and originator to make NMLS Continuing Education as affordable and painless as possible.A frequent speaker on the mortgage conference circuit, Nathan often sheds light on the best and highest use of the VA Home Loan. Since 2019, he has served as the COO of Vetted VA, which not only provides trusted information for the industry but also fosters a supportive community for lenders and originators serving veterans through homeownership.Nathan also serves as Chief of Staff for Be My Neighbor Mortgage, where he plays a key role in supporting borrowers on their homeownership journey.Connect with NathanLinkedIn → https://www.linkedin.com/in/nathanknottingham/About Dale VermillionDale Vermillion, an industry icon, has trained over 1,000,000 lending professionals and worked with more than 600 organizations. He is a three-time HousingWire Vanguard, a member of the 2022 Global Mortgage 100, and the author of Navigating the Mortgage Maze. Dale is also the founder of Mortgage Professionals Providing Hope.Connect with DaleConnect with @DaleVermillionLinkedIn → https://linkedin.com/company/dalevermillionFacebook → https://facebook.com/dalevermillionofficialX → https://x.com/dalevermillionWebsite → https://dalevermillion.comEmail → listen@dalevermillion.comAbout Batting 1,000Batting 1,000 with Dale Vermillion is a production of Mortgage Champions. The show is produced and edited by Jake Vermillion. Music by Envato Elements.Copyright 2024 © Vermillion Consulting, Inc., All Rights Reserved.

If you had to rate your confidence in the mortgage industry in 2024 on a scale of 1 to 10, what number would you choose? For HousingWire president Diego Sanchez, it’s a solid 10—and for good reason.As someone who interacts daily with lenders, vendors, and a best-in-class reporting and editorial team, Diego has his finger firmly on the pulse of the mortgage industry. Despite high rates, low inventory, and persistent inflation, he sees a wealth of opportunities on the horizon for originators and shares his top insights on how to capitalize on them.Don’t miss this dynamic conversation between the industry’s most decorated sales expert and the president of one of the most influential (and fastest-growing) media companies in mortgage and real estate.Dale and Diego cover a wide range of topics, from key data trends to the impact of technology and information on modern originations, the downstream effects of the NAR settlement, and the ongoing transformation of the valuation and title insurance industries.Subscribe to Batting 1,000YouTube → youtube.com/c/dalevermillionApple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuIn This Episode▸ How are lenders finding success in today's market? (starts at 4 mins 15 secs)As president of a leading industry publication—and notably, one that hosts some of the fastest-growing industry events—Diego Sanchez has his finger on the pulse of which lenders are succeeding and which are falling behind. Hear his perspective on how the best lenders are navigating today’s market: containing costs, targeting niche growth opportunities, and leveraging data more effectively.▸ The flight to quality (starts at 10 mins 10 secs)The post-COVID market has, perhaps more than any other, separated the best from the rest in mortgage and real estate. Diego argues that this separation has enabled growing lenders to attract and retain top talent while avoiding—or, in some cases, shedding—underperforming employees.▸ The role of information in modern originations (starts at 14 mins 17 secs)The mortgage industry has an information problem. Why? In part because loan officers are failing to use the information at their fingertips to help clients make informed lending decisions. But more significantly, borrowers now have more access to information than ever before—yet much of it is preventing them from making the right decisions at the right time. That’s why HousingWire is committed to breaking down silos and providing our industry—and, through it, the American homeowner—with the full picture.▸ Consequences of the NAR Settlement (starts at 23 mins 47 secs)Are we living in a new world following the official implementation of the NAR settlement? Diego breaks down what he sees as the most significant downstream effects of the settlement, including a reduction in buyer’s agent compensation and a subsequent downsizing of buyer’s agents nationwide.▸ Innovation in home valuations and title insurance (starts at 31 mins 12 secs)The post-COVID housing market stress-tested every facet of the home loan origination process, including appraisals and title insurance, both of which were shown to be ripe for innovation. Diego shares his concerns about an aging appraisal workforce, the limited applicability of AVMs, and the mounting expense of title insurance. He also discusses opportunities to streamline those costs through regulatory...

Where is the mortgage market headed? Mike Simonsen and the team at Altos Research can you tell you sooner than anyone. Since before the meltdown in 2008, Mike has been collecting, analyzing, and interpreting the most real-time real estate data available. And in this episode of Batting 1,000 with Dale Vermillion, he shares exactly what the data is indicating for future housing inventory levels, home prices, and more.Know exactly what to expect in today's mortgage market, and what you need to prepare for as the FED works to restore inventory from it's anemic levels.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This Episode▸ How Mike's data "saved" Goldman Sachs (starts at 1 min 25 secs)Enjoy Mike's tongue-in-cheek story about how 6 months after Goldman Sach's became Mike's first enterprise data licensing client, they shorted the housing market one quarter faster than the rest of Wall Street.▸ The actual state of housing inventory (starts at 8 mins 39 secs)While there's 39% more unsold housing inventory in the United States today than there was a year ago and every state has more inventory today than this time last year, only 5 of 50 states have more inventory than they did in 2019. And if the data holds, YoY inventory gains will be closer to 20% by EOY.▸ Contextualizing new construction in the inventory calculation (starts at 19 mins 15 secs)When calculating. the actual supply of available homes for sale, understanding where in the construction process new construction listings are is absolutely critical. Mike explains why, and how the Altos Research team factors for currently unsellable new construction in their inventory calculations.▸ The impact of the NAR settlement on listings data (starts at 21 mins 48 secs)In short, the impact of the NAR settlement has drastically altered listings data. Inventory, while growing, remains below normal market targets, buyer demand remains low as rates hover above 6%, and price reductions have continued to accelerate modestly as we approach the offseason.▸ Proving value with Altos Market Reports (starts at 27 mins)In the aftermath of the NAR Settlement, buyers are demanding proof than ever of the value their real estate agents provide. Having access to white-labeled Altos Research market reports is just another way to prove the value of your representation, or to help your partners prove the value of their representation.▸ Where home prices are headed in America (starts at 28 mins 38 secs)There are so many factors that drive home prices, incl. rates, demand, inventory and equity just to name a few. Based on his decades pf experience (and best-in-class data), Mike sees home prices continuing to grow modestly, with select markets experiencing temporary drawbacks that will mostly affect late-cycle borrowers. But nowhere in the data does Mike see indications of a crash in home prices—not even in the most reduced markets, like Austin, TX.▸ Bullish and bearish indicators for mortgage (starts at 41 mins)If there's one reason for a bullish attitude toward today's mortgage market, it's LTVs. According to CoreLogic, the median equity in America right now is an astonishing $305,000. However, for late-cycle...

In this episode of Batting 1,000 with Dale Vermillion, Dale is joined by Barry Habib, CEO of MBS Highway, for an inspiring and heartfelt conversation. Barry shares his journey of battling cancer while continuing to make significant contributions to the mortgage industry. He discusses his experiences, the importance of gratitude, and the power of maintaining a positive mindset during challenging times. Barry also emphasizes the value of knowledge, vulnerability, and trust in building successful relationships, both personally and professionally.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeBarry's battle with cancer (starts at 3 mins 29 secs)Barry talks about his diagnosis, treatment, and the challenges he faces. He shares insights on maintaining a positive outlook and the importance of gratitude during tough times.The importance of gratitude (starts at 8 mins 20 secs)Dale and Barry discuss how practicing gratitude can transform your mindset and improve both personal and professional relationships.Building trust through vulnerability (starts at 16 mins 27 secs)Barry explains how being open about your weaknesses can strengthen trust and foster deeper connections with others.Knowledge as a key to success (starts at 22 mins 45 secs)The conversation shifts to the critical role of knowledge in the mortgage industry and how understanding the market can help professionals better serve their clients.Barry's market insights (starts at 39 mins 09 secs)Barry provides his expert analysis on the current state of the mortgage market and shares his predictions for the future.ResourcesSusbcribe to MBS HighwayBuy Barry's book, Money in the StreetsSchedule a Call with Dale’s TeamSoundbites"You just don't know how lucky you are." — Barry Habib"It's the journey that's important, not just the goal." — Barry Habib"The greatest feeling in the world is helping others achieve financial freedom." — Barry Habib"Gratitude transforms your mindset and improves relationships." — Dale VermillionAbout Barry HabibBarry Habib, CEO of MBS Highway, is a renowned entrepreneur and media resource for mortgage and housing expertise. He is the author of the Amazon #1 bestseller Money in the Streets and played a crucial role in stabilizing the mortgage industry during the 2020 financial crisis. Barry is a three-time Crystal Ball Award winner for accurate real estate forecasts, the 2019 Mortgage Professional of the Year, and has been recognized in multiple prestigious industry lists. Besides his impressive mortgage career, Barry has produced the Broadway show...

To kick off Season 3 of Batting 1,000 with Dale Vermillion, Dale sits down with Hunter Strong, a top-performing Mortgage Loan Officer at FirstTrust Home Loans. During the conversation, Hunter shares his journey from aspiring pharmacist to professional baseball player, and finally to a mortgage industry leader closing over 40 loans per month. With a unique approach combining hard work, dedication, and strategic relationship-building, Hunter offers invaluable insights for anyone in the mortgage industry.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeFrom aspiring pharmacist to top-producer (starts at 1 min)Hunter discusses his initial career aspirations and how he transitioned into the mortgage industry.Learning from the lock desk (starts at 4 mins)Hunter explains how starting on the lock desk set the foundation for his success as a Loan Officer.Building a high-volume business online and off (starts at 15 mins)Dale and Hunter discuss the strategies Hunter uses to drive so many units per month, including landing a huge referral source through Tik Tok and driving 5 hours in a day to meet with a single broker.Building a highly specialized team (starts at 24 mins)Hunter breaks down how he's structured his team to ensure each member fills a specialized role.Learning it's not about rate (starts at 28 mins)Dale and Hunter discuss how Hunter addresses clients' concerns about interest rates and why he's learned to focus on payment, not rate, when selling loans.Hunter's top tips for closing more loans (starts at 32 mins)Hunter unpacks his top advice for closing more loans, including the importance of playing to your strengths, treating clients with respect, and building trust with your customers and partners.When failure's not an option (starts at 36 mins)Hunter shares some of the lessons he's learned from his dad and mentor that have helped to drive his professional and personal success.ResourcesSchedule a call with Dale's teamSoundbites"You have to be the smartest person in the

In the final episode of Season 2 of Batting 1,000, Dale Vermillion chats with Melissa Langdale, the new President of The Mortgage Collaborative (TMC). With over 20 years in the mortgage industry, Melissa brings a wealth of knowledge and experience. She discusses the key challenges faced by lenders in 2023 and the strategies they are employing to overcome them. Melissa also shares insights into what 2024 holds for the mortgage industry and highlights the importance of leveraging technology and building strong relationships.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeAbout The Mortgage Collaborative (starts at 3 mins)Melissa shares about TMC's collaborative approach and the benefits it offers to its members.Key challenges of 2023 (starts at 6 mins)Dale and Melissa discuss the rising costs of origination, operational capacity, and growing market share.Solutions for reducing origination costs (starts at 10 mins)Dale and Melissa discuss strategies for reducing origination costs, improving operational efficiency, and leveraging technology.Looking ahead to 2024 (starts at 24 mins)Dale and Melissa discuss their predictions for the mortgage market in 2024 and the opportunities they anticipate.The impact of mortgage technology and AI (starts at 32 mins)Dale and Melissa explore the role of AI in the mortgage industry and its potential impact.The centrality of servant leadership (starts at 42 mins)Dale and Melissa discuss the key traits of great leaders and the significance of maintaining strong relationships in the industry.Melissa’s 2024 outlook (starts at 50 mins)Melissa's final thoughts on what lenders should focus on to thrive in the coming year.ResourcesBecome a TMC MemberAttend a TMC EventSchedule a call with Dale's...

In this episode of Batting 1,000 with Dale Vermillion, Dale hosts Kyle Draper, the CEO of Content Compounding and author of Rethink Everything: You Think You Know About Social Media. Kyle shares his extensive experience in video marketing and social media, offering insights on how to effectively leverage these tools for personal and professional growth. Kyle and Dale discuss the importance of authenticity in social media, the power of video content, and strategies for building genuine relationships online.This conversation is a must-listen for anyone looking to enhance their social media presence and connect more deeply with their audience.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeThe power of video (starts at 5 mins 11 secs)Kyle explains why video is crucial for modern marketing strategies.Being authentic on social (starts at 12 mins 5 secs)Dale and Kyle discuss the importance of being authentic and genuine in online interactions.Building relationships online (starts at 19 mins 23 secs)Kyle shares his top strategies for creating meaningful connections through social media.Adding value to your audience (starts at 25 mins 34 secs)Kyle unpacks how to use social media to educate and provide value to your audience.Avoiding common mistakes online (starts at 32 mins 48 secs)Kyle addresses common pitfalls Loan Officers make online and how to avoid them.Creating more content in less time (starts at 41 mins 7 secs)Dale and Kyle talk about how to repurpose your content to maximize its reach and impact.Soundbites"Social media isn't just about marketing; it's about building relationships and being real.""Authenticity is the secret ingredient to a powerful social media presence.""Video content works for you even when you're not working.""People make time for what they value—make your social media presence valuable."About Kyle...

In this episode of Batting 1,000, Dale Vermillion sits down with Todd Duncan, the CEO and Founder of High Trust Selling. Todd, a two-time New York Times bestselling author and renowned speaker, shares his insights on thriving in the mortgage industry by embracing faith over fear. With over 5 million professionals trained and a wealth of experience from speaking engagements worldwide, Todd offers invaluable strategies for overcoming current market challenges.Dale and Todd discuss the importance of mindset, relationship-building, and actionable strategies to succeed in today’s high-rate environment. Tune in for a motivating and practical conversation that’s bound to inspire and equip mortgage professionals to elevate their game.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeEmbracing faith over fear (starts at 3 mins 53 secs)Todd discusses the significance of choosing faith over fear and how it can positively influence your mindset and business approach in challenging times.Succeeding in high-rate markets (starts at 15 mins 46 secs)Dale and Todd delve into effective strategies for expanding your network, leveraging existing relationships, and increasing your conversion rates without resorting to cold calls.Building high-trust relationships (starts at 27 mins)Dale and Todd discuss how to foster meaningful relationships with clients and real estate agents by focusing on their needs and providing genuine value.Combining positivity with practice (starts at 37 mins 9 secs)Dale and Todd discuss the importance of maintaining a positive mindset, continuous practice, and role-playing to enhance your skills and confidence in the mortgage business.ResourcesSchedule a call with Todd's teamSchedule a call with Dale’s teamSoundbites"Thought without action is useless. Action without thought is dangerous." — Todd Duncan"Faith tells us that it’s the...

In this episode of Batting 1,000, Dale Vermillion sits down with Kevin Peranio ("KP"), the Chief Lending Officer at Paramount Residential Mortgage Group (PRMG). KP shares his insights on thriving in the mortgage industry despite the challenges of a high-rate environment. He emphasizes the importance of a better, faster, and more competitive approach, underlining the significance of personal value propositions, technological integration, and responsive customer service. KP also discusses the strategies that successful loan originators are employing, such as using multiple marketing technologies and focusing on debt consolidation opportunities. This conversation is packed with practical advice and industry wisdom, making it a must-listen for mortgage professionals aiming to excel in today’s market.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeBetter, faster, competitiveKP introduces the principle of prioritizing better service, followed by faster and competitive approaches in the mortgage industry.The relevance of UVPs (starts at 5 mins 45 secs)Discussing how individual originators can stand out through their unique value propositions beyond their company's tech stack or pricing.The art of integrating tech stacks (starts at 11 mins)KP talks about the crucial role of integrating various technologies, including CRMs and digital marketing tools, to enhance efficiency and client relationships.Traits that win in any market (starts at 18 mins)The conversation delves into the necessity of being intentional, proactive, and responsive to clients’ needs, emphasizing that these traits can significantly impact success rates.Cracking the CODE on high-rates (starts at 27 mins)Dale and KP discuss opportunities for refinancing and consolidating debt in high-rate markets, highlighting how originators can still close significant volumes by addressing consumer debt.Soundbites"You have to say better first because, as an originator, that's the one thing that you control." — Kevin Peranio"Responsiveness is critical. It shows you care and it...

In this episode of Batting 1,000, Dale Vermillion speaks with Doug Duncan, Senior Vice President and Chief Economist at Fannie Mae. Doug brings his extensive expertise to discuss the current economic climate, the housing market, and future trends. He provides a comprehensive overview of market dynamics, interest rate fluctuations, and the impact of demographic shifts on housing demand.Doug also shares valuable insights on the importance of strategic decision-making in uncertain times and the role of technology in transforming the mortgage industry. This episode is packed with expert analysis and actionable advice for professionals navigating the complexities of the housing and mortgage markets.Subscribe to Batting 1,000Apple Podcasts → bit.ly/3GTqzDbSpotify → bit.ly/3AZ7P1bAmazon Music → bit.ly/3u9xssuGoogle Podcasts → bit.ly/3VjQxElIn This EpisodeCurrent economic climate and interest ratesDoug Duncan explains the factors influencing the current state of the economy and why mortgage rates have not behaved as expected in recent months. He delves into the impact of the Federal Reserve's policies and external economic pressures.Demographic shifts and housing demand (starts at 7:34)A discussion on how demographic trends, particularly the aging baby boomers and the rising millennials, are shaping the housing market. Doug highlights the challenges and opportunities presented by these shifts.Supply constraints and the role of builders (starts at 15:23)Doug discusses the critical role of builders in addressing the housing shortage and the obstacles they face, including skilled labor shortages and supply chain issues.Making strategic decisions in uncertain times (starts at 20:14)Doug shares his perspective on the importance of understanding trends and momentum in the market to make informed strategic decisions, even amidst uncertainty.Technology's impact on the industry (starts at 30:58)Insights into how technological advancements are reshaping the mortgage industry, enhancing efficiency, and altering traditional business models.Doug's rate and market forecast (starts at 38:16)Doug provides his forecast for interest rates and housing market trends over the next few years, offering a realistic outlook for industry professionals.Soundbites"Every human being on the planet puts their head down every night on a piece of real estate somewhere. It's part of the human condition." — Doug Duncan"Understanding trends and momentum in the market is crucial for making strategic decisions." — Doug Duncan"It's not about predicting the future perfectly, but about being prepared and making informed decisions." — Doug DuncanAbout Doug DuncanDoug Duncan is Senior Vice President and Chief Economist at Fannie Mae where he is responsible for forecasts and analyses of the economy and the housing and mortgage markets. Doug also oversees strategic research regarding the potential impact of external factors on the housing industry.Named one of Bloomberg/BusinessWeek's 50 Most Powerful People in Real Estate and Inman News’ 100 Most Influential People in Real Estate, Doug is Fannie Mae's source for information and analyses on demographics and the external business and economic environment; the implications of changes in economic activity on the company's strategy and execution; and for forecasting overall housing, economic, and mortgage market activity.Doug is a Hoyt Professional Fellow at the Homer Hoyt Institute. He was chosen as the North...

In this episode of Batting 1,000, Dale Vermillion is joined by Brittany Hodak, an award-winning entrepreneur, customer experience speaker, and author of Creating Superfans: How To Turn Your Customers Into Lifelong Advocates.Brittany shares her journey from founding and scaling an entertainment startup to becoming a leading voice in customer experience. She discusses the key principles from her book, offering valuable insights on how to turn customers into superfans. The conversation covers strategies for creating memorable customer experiences, building authentic connections, and leveraging the power of storytelling in business.Subscribe to Batting 1,000Apple Podcasts → bit.ly/3GTqzDbSpotify → bit.ly/3AZ7P1bAmazon Music → bit.ly/3u9xssuGoogle Podcasts → bit.ly/3VjQxElIn This EpisodeCreating SuperfansBrittany introduces the concept of superfans and why they are vital for business success, emphasizing the need to go beyond customer satisfaction to create loyal advocates.The power of storytelling (starts at 8:12)Brittany discusses the importance of storytelling in building strong customer relationships and shares techniques for effectively incorporating storytelling into business practices.Authenticity in customer experience (starts at 15:34)The conversation explores how authenticity can transform customer interactions and lead to lasting loyalty, with Brittany providing practical tips for businesses to implement.Lessons from big brands (starts at 22:46)Brittany shares insights and lessons learned from working with some of the world's biggest brands, including Walmart, Disney, and entertainers like Katy Perry and Dolly Parton.Scaling customer experience (starts at 30:58)Strategies for scaling customer experience initiatives in growing businesses, ensuring that the personal touch isn't lost as the company expands.Soundbites"If you want customers for life, you need to create superfans." — Brittany Hodak"Authenticity unlocks the door to transformational customer experiences." — Brittany Hodak"Storytelling is the bridge that connects your brand to your customers’ hearts." — Brittany HodakAbout Brittany HodakBrittany Hodak is an award-winning entrepreneur, author, and customer experience speaker who has delivered keynotes across the globe to organizations including American Express and the United Nations.She has worked with some of the world’s biggest brands and entertainers, including Walmart, Disney, Katy Perry, and Dolly Parton. She founded and scaled an entertainment startup to eight figures before exiting, and she is the former Chief Experience Officer of Experience.com.Forbes said of her debut book, Creating SUPER Fans, “If you have customers, you need this book. Period.”Connect with BrittanyBuy Brittany's book → amazon.com/dp/1774580780...Hire Brittany to speak → brittanyhodak.com/speaking/Listen to Brittany's podcast → brittanyhodak.com/podcast/Read the superfans blog →

What does it take to close nearly 700 loans in a single year without buying leads? Scotsman Guide Top Originator and Mortgage Champions advocate Kara Whitman shares her replicable formula on this episode of Batting 1,000 with her former coach, Dale Vermillion.Kara and Dale share a common commitment to putting others first, and to going the extra mile—in all things. It’s that shared commitment that has propelled both of them to not only becoming elite performers in heir respective roles, but helped them to live fulfilled lives dedicated to more than just business success.Don’t miss this uplifting, inspiring, and thought provoking conversation.Subscribe to Batting 1,000Apple Podcasts → bit.ly/3GTqzDbSpotify → bit.ly/3AZ7P1bAmazon Music → bit.ly/3u9xssuGoogle Podcasts → bit.ly/3VjQxElIn This EpisodeThe power of listening to understandKara highlights the critical skill of listening to understand rather than just responding, which helps in forming solid connections and ensuring clients feel heard and valued.Maintaining a positive mindset (starts at 7:12)Kara shares her strategies for staying optimistic and energetic, even in challenging markets, emphasizing the importance of focusing on the positives and not getting bogged down by uncontrollable factors.Building a team for high-volume (starts at 14:09)Kara explains how she relies on a strong, collaborative team to handle high volumes efficiently while maintaining high standards and exceptional client service.Prioritization and time management (starts at 20:52)Kara offers insights into her approach to time management, emphasizing the importance of setting priorities and establishing routines to manage a demanding workload effectively.Creating long-term relationships (starts at 28:37)Kara discusses her focus on building long-term relationships rather than just completing transactions, ensuring clients have a positive experience and return for future needs.Nurturing client relationships (starts at 36:11)Kara details her approach to staying in touch with clients post-closing through regular, meaningful contact, which helps maintain strong relationships and encourages repeat business and referrals.Soundbites"People are trusting you with one of the largest financial decisions. Proving that you care through actions is crucial." — Kara Whitman"Listening to understand, not just to respond, is so important in building connections." — Kara Whitman"You have to prioritize, set boundaries, and be present both in your work and personal life." — Kara Whitman"Execution is key in today's competitive market; you can't afford to be lazy." — Kara WhitmanAbout Kara WhitmanKara was born and raised in Maryland, right outside of DC and moved to Charlotte upon graduation to start a career as a Mortgage Banker. Kara has been with Wyndham Capital for over 10 years and is a constant overachiever. Kara is recognized as a Scotsman’s Guide top .01% originator leading the company with 658 loans in 2021 for $217,300,000 in volume. Kara graduated from Coastal Carolina University where she earned her degree in Business Finance and International Business Studies. When Kara is not in the office, she enjoys spending time...

On this episode of Batting 1,000 with Dale Vermillion, Dale is joined by a multi-sport, Division 1 athlete who's gone on to Cofound a cutting edge mental conditioning consultancy that is changing the way professionals think.Harry Wilson, big brother to NFL quarterback Russell Wilson, and CEO of Limitless Minds makes the case for every professional needs a game plan for adversity, and how learning to think neutrally is an indispensable tool not just for athletes, but every professional, partner, parent, and friend.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodePreparing for adversity (starts at 0:00)Harry emphasizes the necessity of being prepared for challenges before they arise, drawing on his personal experiences and professional insights.The essence of Neutral Thinking (starts at 7:34)Harry explains the concept of neutral thinking, developed by the late Trevor Moad, and how it can help individuals manage negativity and improve performance.Leveraging the power of language (starts at 12:57)Discussion on how the language we use affects our mindset and those around us, with practical advice on implementing a "negativity diet."Trending toward conscious competence (starts at 15:23)Harry outlines the framework of conscious competence and its relevance in achieving sustained success in any industry.Applying mindset training to mortgage (starts at 20:14)Real-world examples of how mindset training has impacted individuals and organizations, particularly in the context of the mortgage industry.The legacy of Trevor Moad (starts at 38:16)Harry reflects on the mentorship and lasting impact of his late co-founder, Trevor Moad, and the principles he imparted to Limitless Minds.Soundbites"You don't have to be sick to get better." — Harry Wilson"Adversity is not an if thing, it's a when." — Harry Wilson"The verbalization of negativity is what weaponizes it against you." — Harry WilsonAbout Harry WilsonAfter 12+ successful years as a leader, innovator, and visionary in the Biotech and Life Sciences industries and four years as a two-sport Division 1 athlete, Harry Wilson...

In this episode of Batting 1,000, Dale Vermillion hosts Garth Graham, Senior Partner at STRATMOR Group, to discuss the evolving landscape of the mortgage industry. With over 30 years of experience, Garth shares his insights on strategic investments, acquisition strategies, and the significance of the digital mortgage experience. They dive into the challenges and opportunities in today’s market, highlighting the importance of empathy, building relationships, and adapting to new trends.Subscribe to Batting 1,000Apple Podcasts → https://bit.ly/3GTqzDbSpotify → https://bit.ly/3AZ7P1bAmazon Music → https://bit.ly/3u9xssuGoogle Podcasts → https://bit.ly/3VjQxElIn This EpisodeThe evolution of digital mortgages (starts at 1:06)Garth discusses the inception of digital mortgages, recounting his pioneering work with mortgage.com and its lasting impact on the industry.Navigating a purchase-heavy market (starts at 3:45)Strategies for mortgage lenders to succeed in a market dominated by purchase transactions, focusing on understanding and addressing customer needs.The importance of empathy in lending (starts at 12:49)Garth emphasizes the role of empathy in building client relationships and enhancing customer satisfaction, particularly in a challenging market.Future trends in the mortgage industry (starts at 20:14)Insight into upcoming trends and the importance of staying ahead with technology and strategic thinking.Rethinking LO compensation (starts at 28:10)Discussion on how adjusting compensation models can better align with desired behaviors and outcomes in the mortgage industry.ResourcesGarth Graham’s article on HousingWireSoundbites"Purchase is about life, not about loans." — Garth Graham"Empathy is crucial in today’s purchase-heavy market." — Garth Graham"Focus on relationships, not transactions, to truly succeed." — Garth GrahamAbout Garth GrahamGarth Graham is a Senior Partner at STRATMOR Group, providing strategic advice to some of the largest independent and bank-owned mortgage lenders. With over 30 years of experience, Garth has managed two of the most successful e-commerce platforms and advised over 200 mortgage companies. He was a founder of mortgage.com, which pioneered the digital mortgage experience, and has been recognized by HousingWire as a “Tech Trendsetter.” Garth is an avid Michigan fan and a dedicated dog rescuer living in Fort Lauderdale, Florida.Connect with GarthLinkedin → linkedin.com/in/garthgrahamLearn more about STRATMOR → stratmorgroup.comAbout Dale VermillionDale Vermillion, a renowned sales strategist and industry icon, has trained over 1,000,000 lending professionals and worked with over 600 organizations. He’s a 3x HousingWire Vanguard, a member of the 2022 Global Mortgage 100, and 2021 Mortgage Professional America Housing Industry Icon. Dale is the author of Navigating the Mortgage Maze and the founder of