Non-Del Influencers

In this episode of the Non-Del Influencers Podcast, host Matt Coles welcomes Ryan Black, Partner at Black, Mann & Graham, to discuss the power of strategic technology adoption, operational efficiencies, and what’s on the horizon for Non-Delegated Lenders in a rapidly shifting mortgage landscape.

Ryan shares how lenders can stay competitive by revisiting outdated processes, asking the hard questions about tech ROI, and preparing for volume surges as market conditions shift. With nearly a decade of experience supporting mortgage lenders through compliance and documentation services, Ryan gives a behind-the-scenes look at how his team is gearing up for a big 2026—including an exciting integration with LendingPad.

Here are three key insights from Ryan’s conversation with Matt:
1️⃣ Tech That Works – Ryan highlights how to evaluate your technology stack, spot inefficiencies, and implement changes without causing operational chaos.
2️⃣ Planning for the Future – From outdated business rules to unexpected volume, Ryan explains how to stay agile while preparing for the next wave in lending.
3️⃣ The LendingPad Integration – Learn how Black, Mann & Graham is leading innovation with their upcoming LendingPad integration and what that means for Non-Del lenders.

🔗 Connect with Ryan Black and explore Black, Mann & Graham at: https://www.bmandg.com

About the Non-Del Influencers Podcast
The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com
📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com
💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

#NonDelInfluencers #MortgageLending #RyanBlack #BlackMannGraham #MortgageTechnology #NonDelegatedLender #LendingPad #MortgagePodcast #MattColes #FirstFunding #MortgageEfficiency #LoanOriginators #MortgageStrategy #TechInLending

In this episode of the Non-Del Influencers Podcast, host Matt Coles welcomes Reina Murillo, Western Regional Vice President at Freedom Mortgage Wholesale, to discuss leadership, partnership, and the power of education in wholesale lending.

Reina shares how building strong relationships and focusing on education can elevate both lenders and their clients. With years of leadership experience at Freedom Mortgage, she highlights what makes a great Account Executive, why trust is essential in lending partnerships, and how her team empowers brokers to grow their businesses.

She also opens up about her passion for mentoring and how she and her husband have embraced learning and personal development—even bringing the kids in on a few family ventures!

Here are three key insights from Reina’s conversation with Matt:

1️⃣ The Power of Partnership – Reina reflects on the strength of long-term professional relationships and what it takes to be a trusted resource for brokers and lenders.

2️⃣ Building a High-Performing Team – Learn how Freedom Mortgage Wholesale continues to grow with a strong team of Account Executives and why culture and consistency matter.

3️⃣ Education = Empowerment – Reina shares her passion for client education and how knowledge-sharing creates win-win scenarios in today’s competitive lending landscape.

🔗 Connect with Reina Murillo and explore Freedom Mortgage Wholesale at: https://www.FreedomWholesale.com

About the Non-Del Influencers Podcast

The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com

📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com

💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

#NonDelInfluencers #MortgageLending #ReinaMurillo #FreedomMortgage #WholesaleLending #NonDelegatedLender #MortgagePodcast #MattColes #FirstFunding #MortgageEducation #LoanOriginators #BrokerSuccess #MortgageGrowth

In this episode of the Non-Del Influencers Podcast, host Matt Coles welcomes Joel Horn, Founder of Horn Funding, to talk about perspective, passion, and the future of mortgage lending.

Joel shares how stepping into the "ivory tower" mindset—looking at your business from above—can transform the way you run operations and make decisions. With years of experience and a drive to help others, he opens up about the lessons learned from tough challenges, the power of technology in today’s market, and why he believes collaboration and knowledge-sharing are the keys to growth.

Here are three key insights from Joel’s conversation with Matt:

1️⃣ The Ivory Tower View – Why stepping back and looking at your business from a higher perspective helps you see where improvements and efficiencies are needed.

2️⃣ Lessons from the Field – Joel explains how industry challenges shaped his approach and why he’s committed to helping others avoid the same pitfalls.

3️⃣ Technology & the Future – How lenders can leverage tools and innovation to better serve clients and stay competitive.

🔗 Connect with Joel Horn and explore Horn Funding at: https://hornfunding.com/

About the Non-Del Influencers Podcast

The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com

📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com

💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

#NonDelInfluencers #MortgageLending #JoelHorn #HornFunding #MortgageInnovation #NonDelegatedLender #MortgagePodcast #MattColes #FirstFunding #MortgageTechnology #LoanOriginators #RealEstateFinance #LendingSuccess

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Aleyna Groves, COO of Groves Capital, to explore how artificial intelligence is transforming mortgage lending—and why forward-thinking originators can't afford to ignore it.

Aleyna brings deep industry insight and a passion for innovation as she breaks down what lenders need to know about leveraging AI, streamlining operations, and capitalizing on today's shrinking competitive field.

Here are three key takeaways Aleyna shares in this insightful conversation:

1️⃣ Tech That Works for You – Discover how AI is being used today to automate the mortgage process, improve efficiency, and build stronger borrower relationships.

2️⃣ Market Shifts = New Opportunities – With fewer licensed loan officers in the field, Aleyna explains why now is a pivotal moment to differentiate yourself and capture more market share.

3️⃣ Spring 2026 Outlook – Aleyna gives us a peek into the near future and why she believes we're heading toward another major growth cycle in mortgage lending.

Whether you're looking to improve your current systems or future-proof your lending strategy, this episode gives you the edge to stay ahead in a tech-driven market.

🔗 Connect with Aleyna Groves and explore Groves Capital at: https://grovescapital.com/home

Or learn more about her mortgage AI platform at: https://GrovesIQ.com

About the Non-Del Influencers Podcast:

The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com

📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com

💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

#NonDelInfluencers #MortgageTech #AIMortgageSolutions #AleynaGroves #GrovesCapital #MortgageInnovation #NonDelegatedLender #MortgagePodcast #MattColes #FirstFunding #MortgageAI #LoanOriginators #RealEstateFinance #LendingFuture

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Ross Miller, Owner of Miller Home Mortgage, to talk about what it really takes to transition from broker to banker—and why now may be the best time to take that step.

Ross brings years of experience and a passion for empowering lenders to take control of their businesses. If you've been on the fence about making the move, this episode provides valuable clarity and guidance.

Here are three key takeaways Ross shares in this insightful conversation:

1️⃣ Understand the Benefits – Becoming a banker gives you greater control over operations, the ability to scale, and a more sustainable path to growth.

2️⃣ Know the Roadmap – Ross shares what the transition process looks like and how you can prepare your team, your systems, and your mindset for long-term success.

3️⃣ You Don’t Have to Go It Alone – With the right partners and support, shifting from broker to banker becomes a structured, achievable process—not a guessing game.

🔗 Connect with Ross Miller and explore Miller Home Mortgage at: https://millerhomemortgage.com

Whether you're just curious or actively planning to transition from broker to banker, this episode is your invitation to start that journey—backed by real experience and practical advice.

About the Non-Del Influencers Podcast:

The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com

📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com

💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

#NonDelInfluencers #MortgageBanking #BrokerToBanker #NonDelegatedLender #MortgagePodcast #MortgagePros #LendingLeadership #RossMiller #FirstFunding #MattColes #MortgageIndustry #MortgageBusiness #LoanOriginators #RealEstateFinance

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Alex Temple, Partner at Mitchell Sandler LLP, to explore what every lender should know before making the move from broker to banker—and why compliance strategy should be your first conversation, not your last.

Alex brings deep legal and regulatory expertise to the table, sharing three powerful takeaways for Non-Delegated Lenders:

1️⃣ Start with strategic compliance – Don’t wait until the regulators show up. Build your policies and procedures now, so you’re ready long before the knock at the door.
2️⃣ Think creatively, plan proactively – You don’t need to have all the answers. Whether you're just exploring your options or already mapping out your operations, having the right partner helps you see around corners.
3️⃣ Get aligned, stay aligned – Work with legal advisors who not only understand the rules but also understand your business model and growth goals. Compliance isn’t just about avoiding penalties—it’s about setting a strong foundation for long-term success.

Whether you’re considering a shift to banker status or simply want to ensure your current operations are both strategic and compliant, this episode is packed with practical insights to guide your next steps.

🔗 Connect with Alex Temple and explore Mitchell Sandler LLP at: https://www.mitchellsandler.com/team/alex-temple

About the Non-Del Influencers Podcast:

The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com

📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com

💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Scott Geisel, Director of Compliance at Strategic Compliance Partners, to discuss how Non-Delegated Lenders can simplify compliance, reduce costs, and confidently navigate state audits.

Scott shares three powerful insights every Non-Delegated Lender should know:
1️⃣ Tap into real-world experience – Work with compliance experts who have been in your shoes, from licensing and processing to surviving market shifts like the subprime era.
2️⃣ Leverage industry relationships – Partner with professionals who know regulators by name, understand expectations, and can help you avoid costly missteps.
3️⃣ Outsource smartly – Instead of hiring a six-figure full-time compliance officer, collaborate with a consulting firm that can support your in-house team and keep you audit-ready year-round.

Whether you’re facing your first audit or looking to strengthen your compliance framework, this episode delivers practical strategies to help you stay compliant, efficient, and profitable.

🔗 Connect with Scott Geisel and explore Strategic Compliance Partners at: https://www.strategiccompliancepartners.com

About the Non-Del Influencers Podcast:
The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com
📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com
💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Irene Duford, Founder & CEO of Loan Team Training, to discuss how Non-Delegated Lenders can break the cycle of short-term thinking and build businesses prepared for long-term success.

Irene shares three powerful strategies that every Non-Delegated Lender can apply today:

 1️⃣ Plan beyond the next 15 days – Stop focusing only on immediate deadlines like rate lock expirations and start setting clear strategies for the next 6, 9, and 12 months.
2️⃣ Align your team around growth – Use structured meetings and training programs to keep everyone working toward the same long-term goals.
3️⃣ Invest in systems and training now – Build scalable processes that can handle market fluctuations and higher production volumes without sacrificing client service.

Whether you're running a lean operation or managing a larger team, this episode will give you the tools and mindset shifts needed to stay proactive, competitive, and scalable.

🔗 Connect with Irene Duford and explore Loan Team Training at: https://www.talktothetrainers.com

About the Non-Del Influencers Podcast:
The Non-Del Influencers Podcast empowers Non-Delegated Lenders to achieve outstanding performance, drive sales, and achieve tangible results. Our mission is to provide invaluable resources and educational insights, equipping you, your team, and your business partners with the best practices for thriving as a Non-Delegated Lender in today's dynamic landscape.

Hosted by seasoned mortgage industry professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive strategies, real-world experiences, and expert interviews designed to help you excel. Whether you're a seasoned pro or just beginning your journey, the Non-Del Influencers Podcast will help you unlock success in the Non-Delegated Correspondent space.

🎧 Find more episodes at: https://www.NonDelInfluencersPodcast.com
📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com
💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Anne Flynn, Agency Manager at First American Title, to discuss how FlexClose is helping Non-Delegated Lenders and title companies strengthen partnerships, streamline closings, and open new opportunities for growth.

Anne shares valuable insights on how joint prospecting, referrals, and collaboration through FlexClose can drive efficiency and build deeper relationships with title agencies. She explains how lenders can leverage this solution to scale effectively, avoid delays, and create a smoother experience for borrowers—giving them a competitive edge in a fast-paced market.

This is a must-listen for any Non-Delegated Lender looking to maximize every opportunity and take their business to the next level with innovative tools like FlexClose.

🔗 Connect with Anne Flynn:
Website: https://www.FirstAm.com
LinkedIn: https://www.linkedin.com/in/anne-flynn-bb678318/

The Podcast is an essential podcast with experienced realtors about the tips and tricks new realtors can incorporate along their real estate journey. Discover the pathway to triumph in the real estate industry with the Podcast! Hosted by the seasoned professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive insights and best practices from successful real estate agents. Whether you're a seasoned pro or just starting, tune in to unlock the secrets of success in the dynamic world of real estate, brought to you by the experts at FirstFunding.

🎧 You can find more episodes at: https://www.NonDelInfluencersPodcast.com
📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com
💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Reef Merhi, Broker at Texas United Mortgage, to dive into what it really takes to succeed as a Non-Delegated Lender—especially when you're running a lean, efficient, and highly productive shop.

Reef shares valuable insights on how small but mighty teams, like his at Texas United Mortgage, are leveraging Non-Del lending to scale responsibly, stay competitive with pricing, and most importantly, deliver smooth transactions that build lasting client trust. With over 90% of his business in purchase loans, Reef highlights the critical importance of branding, responsiveness, and avoiding missteps that could lead to negative reviews in today’s digital-first world.

This is a must-listen for any broker or lender who thinks big results only come from big teams. Reef proves that with the right processes and mindset, smaller shops can thrive—and dominate.

🔗 Connect with Reef Merhi at: https://www.TexasUnitedMortgage.com

The Podcast is an essential podcast with experienced realtors about the tips and tricks new realtors can incorporate along their real estate journey. Discover the pathway to triumph in the real estate industry with the Podcast! Hosted by the seasoned professional Matt Coles and supported by FirstFunding, Inc., this podcast brings you exclusive insights and best practices from successful real estate agents. Whether you're a seasoned pro or just starting, tune in to unlock the secrets of success in the dynamic world of real estate, brought to you by the experts at FirstFunding.

🎧 You can find more episodes at: https://www.NonDelInfluencersPodcast.com
📚 Find Non-Delegated Correspondent resources at: https://www.NonDelInfluencers.com
💼 Learn more about FirstFunding at: https://www.FirstFundingUSA.com

The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.