Dave Albo
Williams Mullen
Dave Albo is a Government Relations attorney and a Virginia state lobbyist. Dave helps businesses, from small to Fortune 500, trade associations, and individuals who need to amend, pass, eliminate or defeat legislation and regulations; access government services; defeat adverse government actions; and acquire government contracts from the State or local governments. He also counsels clients on politics and elections.

Bill Bodnar
Tabrasa
Bill Bodnar is the Chief Revenue Officer at Tabrasa and the catalyst behind Mortgage Market Guide, an industry leading market intelligence solution. For over two decades, his easy-to-understand market expertise makes him the trusted mentor for thousands of mortgage loan originators and realtors. His ability to share valuable market and economic insights in a fun format, make him a highly sought-after speaker in mortgage and real estate.

Pete Mills
Mortgage Bankers Association
Pete Mills is Senior Vice President of Residential Policy and Member Engagement. He leads MBA’s residential policy team and state and local advocacy program and directs MBA’s residential member engagement efforts across the MBA value platform.

Mills is an experienced financial services industry executive with more than 35 years of expertise in public affairs, government relations, public policy, and research, all in the housing and mortgage finance arena. Prior to joining MBA, he served as Managing Director and co-founder of the Community Mortgage Banking Project, a public policy organization that represented the interests of companies and coalitions involved in the housing and mortgage finance industries. During his career, Mills led corporate public affairs for Countrywide Financial, managed trade association policy advocacy for the California Mortgage Bankers Association and the California Association of Realtors and conducted housing policy research at the Federal Reserve Board.

Clavis Smith
Assurance Financial
Clavis Smith is a 35 year veteran of the mortgage industry and is currently a Producing Branch Manager at Assurance Financial. Clavis has been with Assurance Financial for 6 ½ years and has held leadership roles with several mortgage companies over the past 30 years. He has served numerous positions and committees during his career in both local and state chapters of the Virginia Mortgage Bankers Association, including President of the State Association in 2020. Advocacy for the industry at both a state and national level continue to be an important part of his personal mission and leadership legacy.

Tony Thompson
NAMMBA

Carl White
Mortgage Marketing Animals
Carl White is a Mortgage Branch Manager of one of the top branches in America today. His podcast, Loan Officer Freedom, is the #1 podcast for loan officers in North America, he has the largest FB business page for LOs in all of FB, and has the most recommendations in LinkedIn of anybody else in the entire mortgage industry, all while running one of the most successful mortgage marketing training programs in the US for top producing loan officers that teaches the strategies that loan officers in his own mortgage branch use today.

Kelly Zitlow
Cornerstone Capital Bank
Kelly Zitlow is the Executive Vice President of Sales & Marketing at Cornerstone Capital Bank, where she brings innovative ideas and visionary leadership through marketing programs that drive significant growth for the sales teams. In addition, as a Senior Mortgage Advisor, Kelly has consistently ranked among the top 1% of loan originators in the country. Over the last 28 years, she has remained committed to helping thousands of families achieve their dreams of homeownership and building wealth through real estate.

Driven by a passion for education, Kelly has cultivated a successful YouTube channel, "Mortgage How Do I," where she shares invaluable insights and resources to empower consumers in making informed financing decisions. Her dedication to breaking down barriers and providing clear, accessible information has made her a trusted advisor in the mortgage industry.