Customer Engagement

Jay Baer Challenged Total Expert Customers to Transform Their CX in Three Ways in Q3. Here’s How a Few Are Responding.

5 mins read
July 25, 2022
By
Total Expert

There’s no question about the fact that Total Expert knows how to throw an epic party! Accelerate was amazing, from top to bottom. As an attendee, my only complaint is that it was too short.

It’s hard to pick a favorite moment from an event jam-packed with so many great ones. I heard several people say their favorite part was the songwriters’ performance featuring Sarah Buxton and The Warren Brothers. Others are still talking about the bash at FGL House.

And, of course, that doesn’t even scratch the surface of the ~actual~ content, including a sneak peek at what’s coming next from Total Expert, amazing breakout sessions, and inspiring keynotes.

In his keynote, Jay Baer challenged everyone in the room to change the fact that only one in five borrowers return to their loan officer (LO) or lender for their second loan. One in five! While countless factors go into the borrower experience, Jay shared that three factors within LO control disproportionately affect the customer experience.

Focus on These Three

You can’t fix every customer experience issue at once, but you can get better at the three that matter most. Below is a recap of Jay’s most important takeaways, plus feedback from members of the Total Expert customer community of how they’re already putting Jay’s recommendations into action.

Be Quick

Customers are 2.4 times more likely to keep doing business with a brand if they receive prompt or quick support with their problems, so businesses must keep up with their customers’ demands if they want them to stick around. One of the best ways to provide quick service is to be proactive instead of reactive. What questions can you anticipate and answer before they arise? By tackling common questions in advance, you’ll exceed your customers’ expectations and save yourself time — an ultimate win-win.

Be Clear

Jay told a story about his friend who runs a successful moving company in Texas. Even though the company sent moving guidelines to each customer ahead of their moving date, they were surprised to read many negative reviews from confused customers. He realized that when people prepare for a move, they’re overwhelmed and aren’t necessarily taking the time to sit down and read an information packet. So, the business now sends multiple copies of the information via multiple channels — text, email, and mail — to ensure customers aren’t confused about the important details.

Borrowers are typically reaching out to you during exciting and stressful life circumstances. Plus, they often don’t know what they don’t know about the lending process, making things feel even more stressful and confusing. Identify the interactions you can make more clear to alleviate your customers’ concerns and you’ll be much more likely to earn their business again the next time.

Be Kind

While almost all of us would say we’re kind to our customers, sometimes we’re so busy rushing from one task to another that we can unintentionally come off as cold. Or, perhaps we try to “jump straight to the point,” leading with authority at the expense of empathy. We can be so anxious to tell them what we know that we forget to show them that we care. Customers are seeking validation — to feel seen, heard, and appreciated.

Jay shared a story about a time when he and his wife were boarding a Delta flight and the gate agent almost brought the couple to tears. The agent scanned Jay’s ticket, acknowledged how many miles he’s flown with the airline, and thanked him for his continued business. Then, the agent scanned his wife’s ticket and saw how much less she travels in comparison. She turned to her and thanked her for the sacrifices she must have made for her husband’s career. At that moment, Jay and his wife felt seen and appreciated, and that small act of kindness made the couple infinitely more loyal to the airline. What small acts of kindness can you incorporate into your borrowers’ journeys?

The Challenge

Jay’s challenge to marketers at Accelerate was to empower their LOs to become 15% more quick, more clear, and more kind over the next 90 days. While fixing everything at once is overwhelming and impossible, an incremental improvement rate of 15% in three key areas is realistic for LOs — especially given the urgency of customer retention in today’s marketplace.

I was curious how Total Expert customers are coming along with Jay’s challenge, so I reached out to a few of my friends to see how they’re doing and what specific changes their teams are implementing to get more quick, clear, and kind. Here are a few of my favorite responses.

Speed

Horicon Bank’s Grace Bruins connected with the need for speed. She says, “When Jay mentioned increasing speed and being more quick within our organization, I immediately thought about how we can reduce barriers for our customers – and our employees. Are there processes that we put in place that could be simplified? Banking regulation makes what we do so complicated, but our customers aren’t asking for complication. They’re asking for simplified solutions. So from the way we talk about products to the way we design them to the way we open them – how can we reduce the friction and offer straightforward solutions?”

Amber West from Hawthorn Bank says, “We know that when it comes to important financial decisions, there’s no substitute for talking to a local expert…fast! That’s why we make it easy for people to quickly connect with a member of the Hawthorn team. In addition to webforms and email addresses, our website gives the direct phone numbers and hours for the teams our customers rely on most. We take pride in providing not only a quick response but also a friendly one.”

Clarity

Brenda Knutson, marketing manager at Prevail Bank, shared this insight: “Our website has a great resource center with helpful videos and blog posts, however, it doesn’t close the uncertainty gap with a basic and concise FAQ page, which will be added. We will also focus on answering top questions where our customers spend their time — email, social media, and paid search ads — not just on our website. I fully embrace Jay’s belief that customer experience is marketing, and we need to do something that customers don’t expect because that makes it worthy of telling somebody the story. By educating and providing an amazing experience, we hope to create the loyalty that the Jay Baer philosophy describes.”

Prosperity Home Mortgage’s Jelarie Grillo knows that customer experience isn’t a set-it-and-forget-it exercise, especially when it comes to clarity in communication. She says, “We take the time to put together foundational journeys by putting ourselves in our customers’ shoes. Where do they struggle? Is their situation different than the person next to them? We look at each touchpoint and make sure we’re relaying information clearly. We review these journeys often and incorporate feedback from our customer and real estate partners. Each time we make an adjustment, the journey gets better. In our latest Executive Business Review, our journey emails had a 78% open rate.”

Kindness

Melissa Wright, chief sales and marketing officer at American Pacific Mortgage says, “We’re committed to Creating Experiences That Matter, and kindness is a major component. Our loan advisors are trained to treat customers like family and always prioritize human connection, especially in the moments that matter. Some of the ways we emphasize kindness include educating and advising before they even have to ask. The mortgage process can be daunting, and we offer eBooks, videos, weekly tips, and blogs aimed to educate the consumers in a way that shows care and meets them where they are on their homeownership journey. The value of the loan advisor is their knowledge, yet more than this is a caring individual that delivers an amazing experience that matters.”

Kayla Powell, director of marketing operations at Movement Mortgage, says she will also remind her team to double down on kindness as a differentiator. She says, “Our mission is to love and value people. Our goal is to not only put families in homes but to shine light in areas of darkness worldwide by taking our profits and pouring them into underserved communities. I’ve been an employee at Movement Mortgage for over seven years, and I feel more connected to this community and our company’s values every year. This company is a family, and our arms are open to helping those in need.”

It’s a Big Deal… Really!

Customer experience is the most important corporate differentiator in today’s competitive landscape. According to Bain & Company, 80% of companies believe they deliver outstanding customer service, yet only 8% of their customers agree. If you can provide quick, clear, and kind customer interactions, you can close the experience gap to get more referrals and repeat business.

What changes have you made to be quicker, clearer, and kinder in your business? I can’t wait to hear about the impact when we all reconvene for Accelerate ‘23 in San Diego. If you’re still feeling the Nashville ~vibes~, maybe you can even write a song called “Quick, Clear & Kind” and perform it on stage when we’re all back together in June!

In the meantime, check out this post with insight from Total Expert Founder and CEO Joe Welu on what it takes to deliver the perfect customer journey.

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Adding more people to your call center won’t drive the kind of growth you’re seeking. And neither will bolting an out-of-the-box AI onto your existing workflows. That’s the mindset behind becoming a “10x lender,” and the idea that our Founder & CEO Joe Welu unpacked in a recent conversation with HousingWire’s Allison LaForgia.

That shift isn’t incremental. In this new, AI-enabled age, lenders have a real opportunity to do more than simply iterate on processes that have been in place for decades—they can reimagine the entire engine that’s powering their businesses. AI assistants can text, call, schedule meetings, and share information with tens of thousands of borrowers at once. Pair that scalability with the contextual data Total Expert already holds, and your outreach becomes hyper personal, always relevant, and perfectly synchronized with your customer’s financial journey.

For loan officers, that means less time clicking through screens and more time building relationships and educating consumers. This shift isn’t about automating away the work; it’s about elevating your teams’ ability to execute on every possible opportunity.

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Why "Faster" Isn't the Goal: Joe Welu on Building Customer-for-Life Lenders with AI

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Most lenders approach AI the way they've approached every technology upgrade for the last two decades: find the part of the process that's slow and make it faster. Total Expert Founder and CEO Joe Welu says that mindset, while understandable, is holding the industry back from the outcomes AI actually makes possible.

In a recent conversation with HousingWire, Joe unpacked the mindset shift he's been sharing with lenders all year: stop optimizing the old process and start reimagining it from a blank canvas.

The problem with doing the same thing “faster"

For years, lending organizations have measured technology's value by a simple test: did it get people to log in and complete a task? New dashboards, new buttons, and new workflows all designed to change human behavior just enough to extract a little more efficiency from the same process.

The catch, Welu explains, is that this approach caps out at the limits of human behavior itself. A loan officer forgets to follow up. A call center rep runs out of time in the day. A relationship goes quiet not because anyone did anything wrong, but because relying on people to be perfect and predictable was never a sustainable strategy to begin with.

What breaks when the old ceiling stays in place

Joe used an analogy at the 2026 HousingWire AI Summit to capture the stakes: a farmer who just got a bigger, faster horse looks to the neighbor’s field and watches them ride by on a tractor. Incremental improvements, like faster horses, were the best option for decades. That's not the case anymore.

The risk isn't hypothetical. We still see lenders asking AI to slightly improve an existing workflow, rather than asking what their workflow should look like with AI built in from the start. And the lenders who are still chasing incremental improvements will find themselves outpaced by competitors who were willing to embrace a new mindset, a new strategy, and new era.  

Joe also highlighted that speed and speed alone will not set you apart. Context will be the critical differentiator in an AI-enabled world. Being the first one to engage a borrower is great, but only if you actually have something to talk about. Historically, a legacy database only knew what a person remembered to type into it. If that information wasn't captured, the system, and the loan officer, wouldn't be able to use it for the next conversation.

Context is king, and the mindset shift that gets you there

This is where Joe took the conversation from diagnosis to direction. Total Expert's Customer IQ continuously aggregates zero-, first-, and third-party data to create a complete financial profile and interaction history for every customer. This provides lending teams with the context they need at the exact moment it matters, whether that's to a loan officer having a conversation or an AI agent handling a task automatically.  

To put things in a perspective that everyone can understand, Joe drew a comparison to how streaming platforms already personalize recommendations based on what the user has watched or listened to previously—i.e., context. When that context is missing, it's obvious and often frustrating. He argues borrowers feel that same disconnect when their lender's outreach doesn't reflect where they actually are in their financial journey.

This level of change doesn't happen without friction. There will be individuals, teams, and even entire organizations that resist this shift. But leaders have to be clear-eyed about the realities of how our industry is evolving and, more importantly, how consumer expectations are driving that evolution.  

The reframe Joe’s pushing lenders toward is to stop measuring success by tasks completed, and start measuring it by the lifetime value of the customer relationship. He calls this “turning relationships into appreciating assets," where organizations never lose a customer and continually find new ways to add value to that relationship over time, rather than treating every interaction as a standalone transaction.

The takeaway

AI doesn't create value on its own. It creates value when it's grounded in real customer context, embedded in the actual workflow, and pointed at a bigger goal than getting a task done faster. For lenders willing to rethink the engine itself, Welu says the payoff isn't incremental. It's the same seismic shift that farmers experienced when they realized that even the slowest tractor was more efficient than the fastest horse.

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The best leads aren't always new leads. In fact, they're hiding in the database every loan officer already has, waiting to be noticed.

That's the insight USA Mortgage discovered when they partnered with Total Expert to transform how their originators identify, nurture, and convert past customers into new opportunities. The result? ~$60 million in funded loan volume in just six months, plus another $175 million in pipeline.

But here's what's really interesting: the technology wasn't the bottleneck. It was the process.

The problem: leads disappearing in the middle

Walk into any mortgage lender, and you'll find the same story. Loan officers are smart, they work hard, and they have plenty of leads coming in from multiple sources: referral partners, purchased leads from Zillow and LendingTree, and their own past customers.

But somewhere between the lead arrival and the follow-up, opportunities vanish.

USA Mortgage's VP of Sales and Customer Experience, Alec Picinich, described the friction this way:

"We had strong loan officers and plenty of lead activity, but the handoff was the issue. There was no uniform system in place. Most producers had their own system—reminder-based inbox notifications, spreadsheets, personal call lists. The lack of centralization was the biggest issue. The gap was in the middle, where the opportunities kind of just disappeared."

All those disconnected systems led to inconsistent follow-up and limited visibility into what was working and what wasn't. And with no way to nurture borrowers who weren't quite ready today but might be ready next month, those opportunities got buried deeper and deeper under waves of new leads.

The result was predictable: lost deals, confused teams, and a corporate support function with limited ways to help scale best practices across the organization.

The Solution: one source of truth

Rather than layering on more tools, USA Mortgage decided to consolidate. They brought all their leads from referral partners, purchased sources, and past customers into a single unified platform: Total Expert's Lead Management.

But consolidation was just the first step toward preventing leads from slipping through the cracks. The real shift came when they connected three capabilities:

1. Customer IQ: identifying opportunities in your existing database

Most loan officers don't excel at proactively reaching out to past customers. They're focused on today's purchase business, and without a system to surface opportunities, past borrowers fade into the background.

Customer IQ changes that. It's a contextual data system that continuously monitors and enriches every contact record in your database. When a borrower experiences a life or market event that creates an opportunity such as a rate drop (refinance window), a credit inquiry from another lender, a debt threshold crossed, a marriage or divorce, Customer IQ spots it and brings it to your team’s attention.

At USA Mortgage, this meant monitoring 190,000 customers and turning insights into action. In just six months (January–June 2024), those customers generated:

  • ~$60 million in funded volume
  • $175 million in application pipeline (with expected 80% funding conversion)

That's an opportunity that was already sitting there; it just needed to be seen.

2. Lead Management: centralized workflow and accountability

With Customer IQ surfacing opportunities, USA Mortgage needed a system where loan officers could manage those leads the same way they manage purchased or referral partner leads.

Lead Management provided:

  • A single source of truth for all leads (past customers, referral partners, purchased leads)
  • Clear visibility into lead stage and action items
  • Consistent routing based on originator or branch
  • Automated nurture campaigns for borrowers who weren't ready yet
  • Compliance controls to ensure messaging is consistent and compliant

Suddenly, loan officers could answer three simple questions about every opportunity: Who is the lead? What do they need? Why is the opportunity present right now?

That context—that "why"—changes everything. It's the difference between a cold check-in call and a conversation-ready outreach.

3. AI Sales Assistant: outreach on demand & at scale

Even with a unified system and better intelligence, loan officers still can't personally call every past customer when the market shifts. If rates drop and 1,000 borrowers become in-the-money for a refi, even the most efficient lending teams can't operationalize that in the two or three weeks when the market window is open.

Enter AI Sales Assistant, a human-like voice AI that’s powered by Customer IQ’s contextual data and trained on real-world mortgage conversations so it can answer questions, navigate borrower objections, and qualify opportunities.

AI Sales Assistant acts as an extension of lending teams by:

  • Initiating outreach to all qualified past customers (potentially in a single day)
  • Personalizing the conversation based on the borrower's situation, previous transaction, and estimated savings
  • Handling objections gracefully (Alec shared the story of a borrower who said "I'm feeling sick, not a good time.” AI Sales Assistant responded with empathy and offered to schedule with the loan officer later, which the borrower accepted)
  • Offering warm transfers to the loan officer for borrowers ready to talk
  • Scheduling meetings on the originator's calendar for qualified leads

This allows loan officers to focus their time on high-quality conversations with informed borrowers, not figuring out who to call or manually working through a database.

Real-world execution

One of USA Mortgage's senior regional VPs shared a success story that perfectly captures the shift:

An experienced loan officer received a credit inquiry alert for a past customer; someone she hadn't worked with in years. The borrower had lost the loan officer’s contact information. But thanks to the alert surfaced by Customer IQ, the loan officer reached out with context and relevance.

The result? A $400K pipeline boost with minimal effort from the loan officer.

This doesn't happen with a generic check-in call. It happens when the loan officer knows why they're calling and has the data to back it up so the outreach feels timely instead of transactional.

The bigger picture: human + AI operating model

What USA Mortgage discovered is that the future isn't human or AI. It's human + AI.

The loan officer remains the relationship owner and builder, the decision-maker, the one who earns trust. But now, they're equipped with:

  • Intelligence about who to engage and why
  • Automation handling the high-volume, time-sensitive outreach
  • Consistency across the entire organization
  • Tools that make their job easier, not harder

Three takeaways

If you're struggling with lead follow-up, originators working in silos, or deals slipping out the back door, here's what to focus on:

1. Strong lead management isn't just about speed—it's about long-term nurturing
Speed matters for converting hot leads, but most conversions happen in the follow-up. Build a nurturing strategy that keeps borrowers engaged from first touch through the next opportunity to serve.

2. Your database is your biggest opportunity; operationalize it like a referral partner lead

‍If you're not connecting data intelligence with lead management, you're leaving deals on the table. Treat past-customer insights with the same urgency and structure as a purchased lead or referral partner referral.

3. Build an enterprise strategy with human + AI models

‍Replace ad-hoc originator habits (spreadsheets, personal reminders, disconnected systems) with a unified, AI-assisted operating model. Consistency across your sales force is what unlocks scale.

Watch the full conversation

Hear how USA Mortgage is using Total Expert to solve their lead management challenges, develop a better understanding of their customers, and engage opportunities at scale.

Ready to explore how a human + AI operating model could transform your originator productivity and customer conversions?

Reach out to your Total Expert Customer Success Manager or book a demo with our team below!

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