Get to knowMatrix Commercial Capital

Neal leads our spec construction and fix-and-flip rehab lending practice, bringing more than two decades of experience in the mortgage industry. He has held senior branch leadership roles at All Western Mortgage, Synergy One Lending, Guaranteed Rate, and American Financial Network, where he built and led high-performing production teams focused on builders and value-add investors.

His approach to underwriting is straightforward: understand the project, understand the operator, and structure capital that allows the deal to truly pencil. It’s a philosophy grounded not just in lending, but in firsthand exposure to the building side of the business—his father has been a licensed builder for 17 years, and Neal spent a decade working alongside him, helping grow the company and gaining practical insight into project execution.

• 20+ years in mortgage origination and branch leadership
• Deep specialty in spec new construction and structural rehab
• Hands-on draw and project management approach

Rich brings 30+ years of executive leadership across wholesale and retail mortgage lending. As SVP of Strategic Growth at Guaranteed Rate and Nations Lending, and most recently VP of Production at Synergy One Lending, he has consistently exceeded sales targets by an average of 25% annually through disciplined market analysis, operator-focused product design, and relationship-first selling. Prior to his mortgage leadership career, he spent 12 years in the custom home building sector as a major supplier to luxury builders, gaining direct exposure to high-end construction, project economics, and the expectations of sophisticated operators.

He authored the Modern Mortgage Loan Officer Playbook and The Builder Scale Blueprint, and is widely recognized in the industry as a “Sincere Relationship Architect”—a reputation built on transparent dealings, long-term partnerships, and a refusal to over-promise.

• 30+ years in wholesale and retail mortgage leadership
• Author of the Modern Mortgage Loan Officer Playbook
• Built and scaled high-performing production teams nationwide

Luke leads all technology at Matrix — building the borrower-facing site, the internal tooling, and the AI-driven workflows that handle scenario intake, document review, and pipeline operations. A full-stack developer studying at the University of Alabama, he's the engine on the operations side that makes a 7-day close even possible.

His philosophy is simple: every minute saved on a workflow is a minute returned to actually pricing the deal. He builds the stack so the lending team can focus on what they're best at.

• Full-stack development across the Matrix site, CRM, and underwriting tools
• AI-driven automation for scenario intake and document review
• Builds the systems that turn 14-day closes into 7-day closes

Colin runs growth, content, and brand at Matrix. A student at the University of Alabama, he leads the Matrix Market Monitor publishing cadence, the brand voice across every borrower touchpoint, and the AI-augmented marketing systems that compound the firm's reach week over week.

His approach: every channel earns its place by what it returns. No filler, no vanity metrics — just systems that bring qualified operators into the pipeline.

• Owns brand, content, and growth across every Matrix channel
• Drives the Matrix Market Monitor weekly publishing cadence
• AI-augmented marketing ops for borrower acquisition

Jen runs operations at Matrix, bringing 20+ years of experience in file flow management and borrower relationships. She's the connective tissue between origination, processing, and close — making sure every deal moves through the pipeline on time and nothing stalls between intake and funding.

Her approach: a well-run file is a closed file. Two decades of operations work have given her a sixth sense for where deals get stuck, and she clears the path before the borrower ever feels friction.

• 20+ years of operations and file flow management experience
• Owns borrower relationships from intake through funding
• Connects origination, processing, and close into one flow

Kaitlin leads B2B partnerships at Matrix — building and managing relationships with brokers, referral partners, and capital allies across the country. She qualifies every partner to make sure their book of business is a real match for what Matrix lends on, so both sides get a productive long-term relationship instead of one-off deals.

Her approach is consultative, not transactional. She digs into a partner's pipeline, asks the right questions about their typical deal profile, and only moves forward when there's a clear fit — which is why Matrix's broker partnerships convert at the rate they do.

• Owns B2B broker and referral partner relationships
• Qualifies partners for fit before any deal hits the desk
• Builds long-term partnership pipelines, not one-off deals