BREAKOUT SESSION: Growth in Non-Agency Lending
Non-agency lending is rapidly gaining traction as borrowers seek alternatives to agency guidelines that do not meet their needs. Hear industry experts break down the drivers of this growth, the impact to their business, and what it means for a successful origination strategy going forward.
Speakers
Moderator
Tom Davis is Deephaven Mortgage's Chief Sales Officer. In this role, he manages Deephaven’s wholesale and correspondent sales teams and all marketing initiatives. As an extensively trained mortgage-industry professional, Tom brings 20+ years of experience helping lending partners with their NonAgency/NonQM and Agency needs. Prior to joining Deephaven, Tom served as Executive Vice President, Head of TPO Production, at First Guaranty Mortgage Corporation. Over the course of his career, he has worked at Bank of America, First NLC ( FBR Capital Markets), JPMorgan Chase, and Finance of America Mortgage. He holds a Bachelor of Finance and Business Administration degree from Florida Atlantic University.
Throughout Lisa’s tenure in the mortgage industry, she has become known as a builder of businesses. Her role at eRESI encompasses leadership in Sales, Client Support, Training and Marketing. Her Non-QM experience as Advisor to LoanNEX, NewRez SVP Non-QM and Sprout Mortgage EVP had her building out platforms leveraging technology, scaling operations from origination through securitization, product development and training initiatives leading to brand adoption. As both a consultant and employee, accomplishments also include, Home Point Financial Business Transformation, Ellie Mae’s Total Quality Loan initiative which is now a standard within the platform and EVP at American Brokers Conduit (ABC).
Speakers
Bill Lyons is the Founder, President and CEO of Griffin Funding, a nationwide boutique mortgage banker known for delivering 5-star service and specializing in non-agency lending, including DSCR, Bank Statement, Home Equity, and VA loans. As a licensed real estate broker and long-time mortgage and real estate finance operator, Lyons has built and led teams of thousands of mortgage professionals and brings a practitioner’s perspective on how IMBs can set up Non-QM for sustainable growth—aligning product strategy, sales execution, and operational discipline as non-agency demand accelerates. Lyons studied at Arizona State University and Anthony Robbins’ Mastery University and is a member of the Mortgage Bankers Association (MBA) and Forbes Real Estate Council. He was recognized by HousingWire as a Vanguard award winner (2020 and 2022).
Along with a pulse on the mortgage marketplace, PRMG Chief Lending Officer and partner, Kevin Peranio continues to exemplify what it truly means to be an active executive leader in the mortgage industry. Kevin is responsible for overseeing all production, including working with the sales and operations teams within the loan manufacturing process. His primary goal is to enhance the overall customer experience when doing business with PRMG. This includes creating robust reporting features along with consumer facing activities and modern lending technology to ensure accountability at all layers and levels of the process. In his own words, “the inside drives the outside”. Since joining PRMG in 2010, Kevin led the Southeast Region to become the #1 Ranked Region for PRMG, reaching this milestone in record time. This achievement ultimately propelled Kevin to becoming one of the youngest partners at PRMG. Kevin is also a Four-Time President’s Cabinet Member and was recognized by NMP as a Top 40 Under 40. He is a national speaker within the mortgage industry, and has been interviewed on several podcasts, including speaking at HousingWire’s engage.marketing Summit, AIME Fuse, ICE Technology, and other industry events. Most recently, Kevin has become known on LinkedIn for his insightful ‘Walk and Talk’ video posts, and for his Instagram ’KP Talks Dollars and Sense’ Podcast where he shares his perspective and knowledge on a wide range of subjects. Mr. Peranio received his Bachelor of Science in Advertising Business from the University of Texas at Austin.
Craig Ungaro serves as the Chief Operating Officer and Chief of Staff at AnnieMac Home Mortgage, where he has been an integral part of the company’s growth and success for over 15 years. In his dual role, Craig oversees the company’s entire operations—driving efficiency, collaboration, and strategic execution across all departments. Known for his passionate and thoughtful leadership, he plays a key role in shaping AnnieMac’s culture and guiding its long-term vision. Beyond AnnieMac, Craig is deeply involved in the broader mortgage industry as a member of the Mortgage Bankers Association (MBA), where he actively contributes to initiatives that help drive meaningful change and progress within the housing and lending space.
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