Twenty-five years inside
the operation, then the code.
Big Head Consulting is me, Robert Raymundo. The short version: a mortgage career that ran from originating loans to running operations, and then into building the systems those operations depend on. That’s an unusual order to do it in, and it’s the reason this firm exists.
Four jobs, and each one
explains the next.
- Loan officer
Originating loans, which meant sitting across from borrowers as the person who had to explain a disclosure. Every design decision I make in a borrower journey traces back to that job, because you can't fake knowing where someone gives up.
- Sales leadership
Running origination teams, carrying a number, and learning that a tool nobody adopts might as well not exist.
- Operations leadership
Owning the machinery behind the loans: processing, underwriting handoffs, vendor orders, compliance timing, and the audit trail an examiner asks for. That's where I learned which shortcuts cost you a finding.
- Business intelligence and engineering
I stopped requesting systems and started building them: data models, integrations across the origination stack, and eventually a full origination platform. The engineering isn't the rare part. What's rare is engineering done by someone who ran the operation it serves.
I was licensed as a mortgage loan originator (NMLS) through June 2026. The registration went inactive when I left salaried work to build Apsis Line full-time. Continuing education: MIT Sloan, AI: Implications for Business Strategy.
What that background
actually buys.
TRID, ECOA, HMDA, GLBA and BSA/AML aren't requirements I gathered from a document. They're constraints I've been personally accountable for, which is why they show up in the architecture instead of in a checklist at the end.
You aren't explaining your business to an engineer who'll explain it to another engineer. I write the code, and I've run the department that will use it.
I'm one person building carefully behind enforced checks, so you aren't paying for a team's coordination cost. The tradeoff is real, which is why I publish the checks instead of describing them.
The claims, and the checks.
A career is a story, and a story isn’t evidence. The checks that limit what this site can claim are the part you can inspect for yourself.