Automat builds AI agents that handle the document-heavy, multi-system work behind mortgage lending, from file setup and underwriting prep to condition clearing and post-close QC, done the way a person would, not with brittle RPA scripts. Lenders like AmeriTrust use Automat to cut manual work and clear backlogs
Brett Brumley founded Lender Toolkit in 2015 and has since led its growth into a trusted leader in mortgage automation. Under his direction, the company has doubled in size, scaling from 10 to over 40 employees and now serves hundreds of lenders, including many in the top 50 nationally, representing over $45 billion in loan volume.
A visionary in applying AI and automation within mortgage workflows, Brett conceived and brought to market groundbreaking tools and innovations that are reshaping how lenders approach underwriting and origination.
Brett’s passion for mortgage technology has been shaped by decades of industry immersion; inspired by his mother’s 40+ years in lending, he brings both heritage and deep experience to his leadership. Recognized by HousingWire with their 2023 Vanguard Award and as a 2022 Tech Trendsetter, Brett continues to drive Lender Toolkit’s mission: applying intelligent automation to simplify compliance, reduce cycle time, and increase profitability for mortgage lenders of all sizes.
Mortgage lenders face more technology choices than ever, with every vendor promising AI, automation, and efficiency. This candid panel explores how lenders can look beyond features, pricing, and marketing claims to evaluate long-term value, compare point solutions, platforms, and strategic partners, and set implementations up for success. Attendees will leave with a practical framework for making confident technology investments that support measurable outcomes and future growth
Avery Arasin is a Sales Engineer at REPAY, where he helps modernize the borrower payment experience through digital payment solutions and enterprise integrations.
Prior to joining REPAY, Avery led product strategy and engineering for a technology startup, where he guided product development, built payment capabilities, and led crossfunctional teams from concept through launch.
Drawing on experience across software development, product management, and payments technology, Avery is passionate about simplifying complex financial workflows and building digital experiences that solve real business problems.
Mike Romano is a mortgage technology executive and thought leader with more than two decades of experience helping financial institutions modernize lending through technology and innovation. As Senior Director of Sales at JazzX, he partners with banks, independent mortgage lenders, and credit unions to apply Enterprise AGI to the mortgage lifecycle, enabling faster loan decisions, lower operating costs, and improved borrower experiences. Before joining JazzX, Mike co-founded two Y Combinator-backed mortgage fintech companies, and held leadership roles at Wells Fargo, PwC, KPMG, and Evolve Mortgage Services. Throughout his career, he has built high-performing sales organizations, advised many of the nation’s largest lenders, and helped scale businesses from startup through significant revenue growth. Mike holds both his bachelor’s degree and MBA from the University of California, Berkeley.
Jina Choi is a strategic problem solver and innovator with deep experience across the mortgage origination ecosystem. Throughout her career, she has developed a reputation for tackling complex industry challenges by identifying the root cause, defining the optimal outcome, and building practical paths to achieve it.
Her experience spans multiple facets of mortgage origination, giving her a unique ability to connect processes, technologies, and stakeholders that often operate in silos. Jina approaches problems differently than most, refusing to accept legacy constraints or conventional wisdom as fixed limitations. Where others see obstacles or reasons something cannot be done, she sees opportunities to rethink assumptions and design better solutions.
A true blue ocean thinker, Jina is driven by the belief that meaningful innovation comes from questioning how things have always been done and imagining how they should work instead.
With more than 28 years in mortgage technology, Mark Ramirez has built a career at the intersection of business strategy and technical innovation. His experience spans the planning, architecture, design, development, and implementation of enterprise-scale mortgage platforms, proprietary technologies, and mission-critical systems across the lending lifecycle.
Mark’s work has consistently focused on solving hard problems others accept as unavoidable. From origination workflows and underwriting automation to secondary market execution, he has developed technology solutions that eliminate friction, reduce complexity, and improve decision quality at scale.
Today, Mark is leading efforts to modernize the industry’s underlying infrastructure, leveraging intelligent automation, orchestration, and next-generation architecture to transform how mortgages move from application to investor delivery.
Jacob Barra is an Enterprise Account Executive at Insyde.ai, where he works with mortgage and financial institutions to bring practical AI into their sales, marketing, and customer engagement workflows. He partners closely with enterprise lenders to understand their goals and match them with technology that drives measurable growth.