Reaching a Multicultural & Intergenerational Lending Audience Successfully: What the Data is Telling Us

Kristin Messerli 
Cultural Outreach
Steve Shoemaker
Synovous Mortgage
Miguel Vega
First Community Mortgage
Darryl Ward
Freddie Mac

Multicultural Panel

Founder and CEO

Cultural Outreach

Kristin Messerli is the founder of Cultural Outreach and a nationally renowned speaker on adapting to cultural shifts. Her mission is to increase upward mobility in young and underserved markets by bridging the gap between consumers and businesses. CEO’s hire her to modernize their corporate strategy, and marketing teams seek her social media content and financial education materials to better connect with first-time homebuyers.


Kristin has spoken at over 100 conferences, including the Mortgage Bankers Association, the American Bar Association, and Harvard Business School. For four years, she has partnered with National MI to deliver modern leadership to the mortgage industry with sponsored content at Kristin is also the Managing Editor of Mortgage Women Magazine and sits on MBA’s Diversity and Inclusion Committee. In 2018, she won NAWRB’s women’s influencer award and has been accepted to the 2019 Freddie Mac Vendor Academy Program.

Kristin Messerli's Bio

Multicultural Panel

Director of Residential Mortgage Production

Synovus Mortgage

Steve Shoemaker, CMB began his lending career with Norwest in 1989 in Des Moines, IA. He currently serves as the Director of Residential Mortgage Production for Synovus Mortgage Corp. Steve is focused on recruiting top talent and mentoring them to be successful field originators. He is committed to educating originators and empowering them to be successful. Steve is also an approved Continuing Education instructor for Realtors through the Alabama Center for Real Estate. He instructs Realtor education courses that he is responsible for writing. Steve is utilized by the national Mortgage Bankers Association to instruct Mortgage Banking Bound, all three School Of Mortgage Banking classes, as well as serving on the oral panels for CMB candidates. He has instructed courses at Fannie Mae, Freddie Mac, and FHA. He is the 2012 Willis Bryant Winner for outstanding academic achievement at the School of Mortgage Banking. Steve received his Master’s Degree from Drake University and his undergraduate degree from Iowa State University. 

Steve Shoemaker's Bio

Multicultural Panel

Chief Diversity Officer | SVP of Business Development and Community Outreach

First Community Mortgage

Miguel Vega is First Community Mortgage’s Chief Diversity Officer, Senior Vice President of Business Development and Community Outreach. He leads the company’s planning and execution of Multi-Cultural and Affordable Lending Strategies. Miguel joined FCM in 2016 as Associate Vice President of Business Development, focusing on the Hispanic market. Under his direction, First Community Mortgage won the Mortgage Bankers Association National Diversity and Inclusion Residential Leadership Award for Market Outreach Strategies. 


Miguel is a Marketing graduate of California State University – Los Angeles. He has also earned degrees and certifications in Business and Marketing Strategy from Cornell University in NY, and Economics and International Trade from ITAM and ITESM in Mexico. Miguel’s past positions include Trade Commissioner of Mexico and Director of Business Development for the Trade and Investment Office of Mexico in Los Angeles, responsible for the California, Arizona, Utah and Nevada Region. Corporate Category Manager for the Top Consumer Electronics Retail Chain in Southern California and Arizona; and Vice President of Business Development of Electronic Express, the Top Regional Consumer Electronics Retailer in Middle Tennessee and Alabama. 


Miguel has an active role with community outreach and strategic partnership projects. He is a founding member of the National Association of Hispanic Real Estate Professionals (NAHREP) in Nashville where he serves as 2019-2020 Chapter President. He is a member of the Mortgage Bankers Association’s National Advisory Council on Affordable Homeownership, the THDA Housing Industry Advisory Board, and The Housing Fund of Tennessee Board of Directors. Also serves as Director of Strategic Alliances of the Tennessee Latin American Chamber of Commerce and an officer of the Rutherford County Habitat for Humanity.


Miguel is a keynote speaker of the National Hispanic Corporate Council, a frequent lecturer at MTSU on topics regarding US Hispanic Market trends, leadership and organizational innovation, and mentor for high school seniors in the Tennessee Achieves Program.

Miguel Vega's Bio

Multicultural Panel

Affordable Lending Manager

Freddie Mac


Darryl Ward resides in his hometown of Birmingham, Alabama. He has spent 28 years in the Mortgage Banking industry, with 16 years in loan origination and splitting the other 12 years between community development and CRA management.  Mr. Ward is an Accredited Mortgage Professional (AMP), specializing in assisting those who are first-time homebuyers, people with low to moderate income, and buyers in underserved communities. 


Darryl has been married to Sharon for 29 years.  They have two sons, Myles and Marcus, and just became empty nesters.  Mr. Ward has also served in the Marine Corps and coached youth baseball and basketball.  When Mr. Ward is not serving others needs in the mortgage industry, he loves traveling.

Darryl Ward's Bio