President
American Pacific Mortgage
Steve Majerus is President of American Pacific Mortgage and one of the mortgage industry's most forward-thinking leaders - someone who's spent his career anticipating where lending is headed, not just keeping up with where it's been.
Steve's path traces the entire evolution of digital mortgage, starting at eLoan during the earliest days of internet lending and continuing through senior executive roles across capital markets, retail sales, and operations at some of the nation's largest lenders. As CEO of Synergy One Lending, he built a technology-forward organization designed to move at the speed of the market - and today, as President of American Pacific Mortgage, he's applying that same instinct on a bigger stage.
Steve's focus now is squarely on what's next: how technology and AI will reshape the originator's role, and how to modernize the traditional IMB enterprise structure to effectively compete for market share.
As large, technology-enabled lenders continue to scale through automation, centralized operations, and data advantages, many are asking whether the “megalender” era represents a permanent transformation of mortgage production. Is this true market evolution — or another digital lending wave that will plateau as conditions shift? This session examines what’s structurally different in 2026, and what it means for competition, margins, and long-term strategy.