Veteran entrepreneur with 30+ years leading companies in banking, mortgage, and housing finance. Founded Keystone Mortgage (sold to First Tennessee Bank) and co-founded Pacifica Bank (sold to United Commercial Bank Holdings). Built Cobalt Mortgage into one of the largest independent mortgage companies in the U.S. ($5B+ annual, $25B+ cumulative originations) before its sale to Caliber Home Loans. Founder & CEO of Level Capital, a private lending firm originating ~$25M/month in residential construction loans, and Co-Founder of Azure Homes NW, a leading builder and developer in the Pacific Northwest. Former President of the Washington Mortgage Lenders Association and Advisory Board Member at Fannie Mae.