Resources

Total Expert CEO Joe Welu joined the Lykken on Lending podcast to explore how AI-powered assistants are transforming mortgage lending, boosting productivity, and helping loan officers deepen customer relationships. The future of lending is here.

Financial institutions face pressure to adopt AI quickly—but rushed, bolted-on solutions often fail. This blog explores how embedded, purpose-built AI can solve real problems and avoid common pitfalls.

AI is reshaping the mortgage industry—and Total Expert is leading the charge. Founder & CEO Joe Welu joined Robbie Chrisman on the Daily Mortgage News podcast to unpack how agentic AI boosts loan officer productivity, revives aged leads, and enables deeper human connections.

Total Expert Founder & CEO sat down with HousingWire to share how our new AI Sales Assistant makes lenders and loan officers more productive and delivers a measurable lift in operational efficiency and lead conversions. The result? Better experiences for borrowers and homeowners, and more opportunities for originators to grow their business.

Financial institutions risk falling into the AI hype trap without clear strategies. By focusing on outcomes, enterprise-grade solutions, and agentic AI, FIs can transform customer engagement, unlock revenue opportunities, and deliver measurable business value.

Putting more product in consumers’ hands isn’t the key to growth. Demonstrating that you understand their financial needs and goals—then providing relevant products or services—will drive the only KPI that matters: loyalty.

Catch Total Expert Founder & CEO Joe Welu’s conversation with Geoff Zimpfer on Mortgage Marketing Radio for insights into AI, client engagement, retention, and more.

The Homebuyers Privacy Protection Act (HPPA) may change how lenders prospect—but not how they build trust. Learn why Total Expert’s relationship-first approach is already built for what’s next.

Explore what’s shaping the Medicare marketing space and how to adapt your strategies for long-term success beyond 2024

Mortgage lenders can lean into an untapped audience, build lifelong relationships, and generate more loan opportunities by engaging and supporting credit-challenged borrowers.

In this guide discover five actionable strategies to help you succeed in this new post-NAR settlement landscape.

Our latest ebook will show you how to minimize the risk of EPO penalties, increase your retention, and drive growth once rates begin to fall.

How can insurance marketers actually use AI today—and what are tomorrow’s most promising applications? This ebook will take a look at the factors shaping the AI transformation of insurance marketing

Insurance agencies and brokers need access to digital tools that allow them to turn raw data into personalized sales and marketing communications at scale.

Insurance agencies and brokers can create lifelong customer relationships by delivering the right message at the right moment—but they need to ensure that their message meets brand and regulatory requirements.

In this guide, we’ll cover market predictions and expectations, risks and opportunities in the refinance wave, and how to leverage technology to stay one step ahead.

In this industry guide you’ll learn how to maintain—and expand—your deposit account base by focusing on relationship building.

Now is the time to focus on optimizing efficiency and productivity so you’re ready to catch the market upswing.

In this industry guide you’ll learn how to expand your reach by tapping into your professional network to access new, sustainable lead sources.

What if a lender could attain loyalty similar to that of a rate lock, only for the borrower’s lifetime? What if relationships became loyalty locked?

There are only three ways a bank or credit union can grow. They can expand customers’ and members’ use of products and services, attract new consumers from competitors, or buy another institution.

Banking is a relationship business that’s about listening to consumers’ needs. The common challenge, though, is the practicality of listening.

Total Expert commissioned a neutral third party to conduct a survey of more than 225 consumers and more than 100 of your peers to assess behaviors, beliefs, and actions regarding the future of banking

Becoming borrowers’ and depositors’ mortgage provider might seem like the path of least resistance for banks and credit unions

Banks and credit unions have a huge opportunity to quickly deepen relationships with new mortgage borrowers, and with current depositors.

From inventory shortages and unfavorable rates to anxiety from both borrowers and homeowners about their options for buying a home, refinancing, or leveraging their equity, modern loan officers face unique challenges in an ever-changing mortgage market.

Mortgage lenders can generate more loans and build lifelong relationships by identifying opportunities to guide and support customers through major life events.

Banks and credit unions can deepen relationships and drive sustainable growth by identifying opportunities to guide and support consumers through major life events.

Insurance agencies and brokers can address policyholder needs and build lifelong relationships by identifying and supporting clients through life events.

Financial services organizations can drive loyalty—and revenue—by supporting and guiding customers through major life events.

Ironically for its importance, “cross-selling” has a checkered past in banking. When pursued by institutions in the wrong way, it has often done more damage than good. So, what’s new today due to advances in technology?

Why employee empowerment is a high-impact strategy to drive engagement and retention, boost productivity and revenue, and power business growth.

Accelerating successful digital transformation of the employee & customer experience.

A powerful solution for seeing, understanding and engaging with your customers.

How to build an effective customer retention program to increase engagement, drive revenue and create loyal customers for life.

Accelerated digital transformation is amplifying the need for better data analytics.

In this case study, hear how NewFed Mortgage’s strategic re-engagement with Total Expert yielded significant growth and enhanced engagement.

First Heritage Mortgage (FHM) had experienced the benefits of Total Expert in the past—but like many fast-growing organizations, they reevaluated their tech stack as business needs evolved. After spending several years on an alternative platform, the marketing team quickly recognized gaps in service, innovation, and customization.

Within just six months of using Total Expert, NFM Lending has already seen significant impact on their business.

In only six months a leading lender saw incredible outcomes from their first Credit Improvement Journey.

Steve Kik, Mortgage Loan Originator at Lake Michigan Credit Union, shares how Total Expert helps him reconnect with clients.

With Total Expert, Wintrust Mortgage was able to consolidate their data and empower their loan originators to spend less time on administrative tasks and more time building customer relationships.

With Integrated Design Studio, marketing teams can create compliant sales and marketing collateral while allowing for lender personalization.

FirstBank selected Total Expert as its all-in-one CRM and marketing automation platform to help provide an elevated, seamless experience for both customers and internal teams.

By capturing customer feedback during the loan and automating our review request process, we’ve seen a significant boost in our overall review ratings and NPS.

By improving efficiency and enhancing their marketing efforts, the platform enables TFCU to better serve its members and focus on its mission of community support.

Leaders knew they needed to find an automated, SaaS-based CRM platform that would empower its loan officers to provide efficient and, most importantly, relevant member service.

Leaders at Castle & Cooke Mortgage needed a better way to empower their loan officers to self-serve their individual marketing needs and fit the demands of their unique markets.

In just four months using Total Expert Customer Intelligence, LMCU generated over $30M in funded loan volume. See how they’re using our platform to boost retention and attract new members.

By seamlessly integrating Total Expert with their broadened technology ecosystem, including their loan origination system and pricing engine, Atlantic Bay unlocked a world of potential.

The Total Expert platform unifies data from multiple different technology systems and provides a single, comprehensive customer profile of sales and marketing activity, and other important customer behavioral data.

See why Family Savings Credit Union selected Total Expert to help lower member attrition and modernize member communication.

With Total Expert, Dart Bank loan officer productivity has grown by more than 20%, and the bank’s Net Promoter Score (NPS) has skyrocketed.

In six months, Total Expert Customer Intelligence surfaced and triggered personalized Journeys for 27,904 active loan opportunities that originated from 591,000 contacts across 547 originators in Prosperity’s database.

In this case study, see why ALCOVA moved to Total Expert to increase retention, build stronger relationships, and empower loan officers.

HarborOne Mortgage Loan Officers Deliver a Personalized Experience with Total Expert.

Dart Bank needed to replace an ineffective CRM with one that could meet the needs of a dispersed, hybrid workforce and constantly changing customer preferences.

When an antiquated CRM system wasn’t meeting Midwest BankCentre’s needs, they knew the time had come to modernize the bank’s sales and marketing tech stack.

With Total Expert, Luminate can deliver relevant, timely, educational content based on their customers’ financial needs and goals.

“Total Expert is one of the best technology partners we work with. They are constantly seeking constructive feedback, so they can build the right solution"

Read the Total Expert case study to learn how the Total Experience Platform helped Alerus Financial Corporation drive a better customer journey.

Momentum Loans is a Utah-based mortgage lender focused on bringing technology and people together to transform the lending experience for its customers.

See how our compliant collateral solutions for insurance agents in the Medicare space allow you to leverage pre-built templates and expert-created content.

Customer Intelligence makes it easy to place borrowers into a credit improvement Journey that delivers helpful content throughout the process and alerts loan officers once the borrower has improved their credit enough to qualify for a mortgage.

By constantly monitoring your database for key behaviors and life events, Total Expert can help you identify and engage high-quality opportunities with personalized communications the moment a customer signals an insurance need.

Total Expert makes it possible to deliver the next best product, policy offer, or message to insurance customers across any channel.

Our compliant collateral solutions, allow you to leverage pre-built templates and expert-created content that incorporate required disclosures and disclaimers while maintaining each insurance agent’s unique branding.

Equity Enrichment capabilities proactively update customer profiles so you can identify equity-rich customers and engage them personalized communications.

Integrate Total Expert with Salesforce and bring complementary features purpose-built for financial services to Salesforce users.

In this 2-minute video see how a user can work directly within Salesforce to take advantage of Total Expert’s complementary purpose-built features.

Total Expert’s co-marketing features allow you to quickly and easily create RESPA-compliant co-branded marketing assets with realtor partners.

Total Expert’s Customer Intelligence tool allows you to monitor every contact in your database for key mortgage-related behaviors.

In this webinar, join experts as they reveal how reputation management, local SEO, and customer experience data can drive tangible growth for lenders.

Join Total Expert’s James White as he sits down with Joseph Watts from Ent Credit Union, for an engaging webinar where they’ll explore how to unlock the power of the data you already have to retain and grow your member base.

In this on-demand webinar, Joe Welu and Mitch Kider explore the super-power that AI offers while discussing the compliance and regulatory considerations.

In this webinar, we’ll explore how advanced rate insights and enriched borrower data can help originators identify opportunities earlier and engage more effectively.

In this on-demand webinar learn how to build a strategy that uses the data you have to identify and act on key events in your customers’ financial journeys.

In this webinar, experts discuss the importance of an enterprise strategy that incorporates compliant SMS into consumer communications.

Total Expert and Birdeye have partnered to help modern banks, credit unions, and mortgage lenders elevate their customer and member experiences while driving sustainable growth.

In this webinar, experts discussed the state of the rate environment, how to position yourself for refi success, and how to boost productivity by tapping the latest technology.

In this webinar industry experts discuss the NAR Settlement: what’s changing, the potential impacts to sellers, buyers, and agents.

Neil Stanley, Founder & CEO of The CorePoint, sat down with our General Manager of Banking, James White, to discuss how this unique combination of economic factors is creating a unique challenge for banks and credit unions: interest expenses tied to deposit accounts.

James White, General Manager of Banking, sits down with Meg Dunn, VP of Mortgage at Lake Michigan Credit Union, tp explore the transformative power of data and how to use it to drive loan growth within your credit union.

Industry experts and visionaries discuss how credit unions can realize their digital potential while maintaining regulatory compliance and maximizing their technology budget.

In this webinar, discover the critical strategies, tactics, and best practices for integrating your systems seamlessly.

In this webinar, we’ll explore how more sophisticated and proactive customer engagement strategies help drive growth and win customers for life.

Competition and compliance challenges in the current market demand that you set up a scalable recruiting function to target the right talent that aligns with your business.

With the addition of Life Event data to our Customer Intelligence solution, we’ll help you identify key milestones in your contacts’ lives so you can reach out to provide the service and support they need when they need it most.

In this webinar join Jim Marous, James White, and Fabio Biasella to learn how to use data and automation to guide account holders through their financial journey.

Watch this exciting conversation about the future of insurance sales in the digital age alongside Guaranteed Rate Insurance LLC and Total Expert.

Life happens whether we’re ready or not. So, knowing when your customers experience a major life event allows you to engage them at moments that matter and maximize the lifetime value of every relationship.

The key to succeeding in this new market environment is to focus on deepening each relationship—not engaging in the rate war. In this webinar learn how to nurture relationships that maximize lifetime value.

Shaughn McCluskey from AWS sits down with Ilya Filipov, General Manager of Insurance at Total Expert, to discuss the future of content creation that can drive growth.

Quality loan opportunities and motivated borrowers still exist in the current market. You just need the right tools and technology to find and engage them.

Total Expert for Salesforce gives you a tech solution that anticipates consumers’ needs and optimizes every interaction. Register now for the webinar on Sep 19!

In this webinar, industry experts discuss strategies for defining your tech ecosystem and priorities for evaluating and procuring the tech that meets your goals.

Hear from Jim Marous as he discusses relationship-building in a data-driven market with industry leaders including Brennan Andrews, Marketing Director at Dart Bank, and James White, Banking General Manager at Total Expert.

In this webinar learn how to capture and retain share of wallet, build a long-term growth strategy and engage your account holders to boost originations by up to 20%.

In our upcoming webinar, learn how to turn data into actionable tactics that help you retain customers, maintain—and grow—your market share and uncover high-quality leads.

As rates rise, consumers are more likely to consider taking their deposits elsewhere to get a better rate. That’s an opportunity for you to welcome new deposits—but also a challenge to retain your existing base.

Total Expert’s Ryan Picchini and The Basis Point’s Julian Hebron discuss how lenders and referral partners can win the 2023 buyer’s market together.

Driving sustainable membership growth while engaging and retaining your existing members can be a tricky balance for any credit union to maintain.

To win in today’s market, lenders need to attract and retain top-performing Loan Officers. Join Total Expert’s VP of GTM Strategy Ryan Picchini and Senior

You may think you’re doing a good job serving your members. You might even have the satisfaction scores to show it.

Rather than panic over the short-term impacts of another Fed rate hike, look for opportunities to position your institution for long-term growth.

To win today, lenders need to capture and close every lead. But first, they need to know who’s in the market, and that only comes

It’s budget season, is your institution funding initiatives that are going to drive growth? In the race to earn customer loyalty and sustain market share,

Mortgage lenders and financial institutions understand the power of human-first connections and social media can help foster these connections.

Why do credit unions miss out on cross-sell opportunities? Lack of personalization, department silos, and disparate systems are often the culprits behind members’ wandering wallets.

Rates and terms rarely differentiate one lender from the next in today’s increasingly competitive financial market. What does? Loan officers.

Lindsi Flynn, Marketing Director with Assurance Financial, discusses how Total Expert’s Customer Intelligence tool helps to maximize conversions.

In this customer testimonial, Christina Bush with Castle & Cooke Mortgage, discusses how Total Expert has helped to elevate and streamline their business.

Scott Kirkessner, with Castle & Cooke Mortgage, discusses how Total Expert simplifies operations and enhances marketing automation efforts.

With Total Expert, Castle & Cooke Mortgage found a better way to empower their loan officers to self-serve their individual marketing needs to better fit their unique markets.

Total Expert helps free up time for Evolve Bank and Trust loan officers allowing a greater focus on lead gen, prospecting, and connecting with realtors.

With Total Expert’s simple to use purpose-built platform, Paramount Residential Mortgage Group gets more than just a technology solution.

Hear how Luminate Home Loans is utilizing Customer Intelligence plus alerts to customize customer communications throughout their financial journey.

Hear how Prosperity Home Mortgage, LLC is utilizing Customer Intelligence plus alerts to help lenders engage with their database in a smart way.

Hear how Family Savings Credit Union modernized communication while improving member interaction and retention with the help of Total Expert.

Dart Bank Loan Officers Are Head Over Heels for Customer Intelligence

“Total Expert understands our needs, and understands the scrutiny of our industry. It’s nice to actually partner with somebody that really does truly understand everything"

As a bank, we wanted a system that would work for more than just the mortgage department.

“Total Expert has helped replace so many different tools that we were using, to have a one-stop marketing system.”

“Our bank has been around for over 97 years. Since we added Total Expert, we’ve excelled and expanded in ways we never thought were possible.”

“You can change the path of a Journey based on the customer’s small characteristics, which allows us to track the ROI and show the bank"

“The first — but not last — ‘wow’ moment I had about Total Expert was when I learned about its Journeys."

“When you work with companies like Total Expert that are in the same industry as you, they understand your challenges, they understand your pain points,

“Before Total Expert, we didn’t have a data-driven way to guide consumers through a journey that armed them with the financial wellness and mortgage-readiness tools

“We needed a platform built for the mortgage industry — one that caters to everything we work with and need on a daily basis"

“Even top-producing loan officers who subscribe to Total Expert’s automation but don’t actually log in to the platform have been able to generate millions of

Total Expert is a powerhouse of possibilities, and I’m only beginning to explore it. I can’t wait to dive deeper!

Total Expert is our friendly, one-stop shop for all things marketing. From flyers to social media and emails, it’s all in Total Expert. It’s all consistent.

We are just getting started on our Total Expert journey. Knowing what lies ahead and the untapped potential is exhilarating.

Our motto at Peoples Mortgage is “it’s all about the people.” And even though we’re growing, we want to keep that close, connected feeling.

Bryan Clark, SVP of Mortgage Banking, Dart Bank discusses how Total Expert efficiently and effectively helps accomplish key CRM objectives.

In 2020, we knew a new CRM system was the way we at Horicon Bank needed to modernize — to become more digital and intentional

Building relationships is the heart of our business. Despite the roller coaster of changes the industry has faced recently

Every interaction an American Pacific Mortgage loan officer has with an individual or company matters.

At Mortgage Investors Group, our main priority is improving the customer’s homebuying experience.

Catherine is a wizard when it comes to using Total Expert to build journeys and connect the right people at the right time.

On this episode of Expert Insights, Lance Lemoine, president of the mortgage division at Evolve Bank and Trust, joined our host, Joe Welu, to discuss

Our team members at Assurance Financial really are ‘people people,’ in every sense of the word.

On this episode of Expert Insights, Brian Vieaux, president and COO of FinLocker, spoke with our host, Joe Welu, on going beyond a transactional mindset to deliver

Get Steve Jacobson’s take on keeping sales teams engaged and cultivating a customer-first culture.

On this episode, Bill shares how he and his team created and delivered on their vision for Dart Bank to provide a modern banking experience