Laird Nossuli, iEmergent CEOLaird Hedlund Nossuli, CEO

Laird is at the helm of iEmergent, playing several different roles on a daily basis. In addition to leading strategy and development of iEmergent’s Mortgage MarketSmart application, Laird guides business strategy, manages sales, and supports client fulfillment.

After graduating from Swarthmore College, Laird was a member of iEmergent’s original team. In 2002, she left the company to earn a master’s degree from the University of Michigan in community development, nonprofit management, and organizational strategy. In 2006, she was serving as the director of administration and resources at Orr Associates, Inc, (OAI) when she decided to help move iEmergent forward once again. In the years since, she has become a disciple of iEmergent’s approach to market intelligence and a student of the mortgage industry.

Laird's world outside of the office is closely managed by her two young children—Julien and Lina. She loves running, dressage, gardening, and playing outside. 

Bernard Nossuli, iEmergent COOBernard Nossuli, COO

Bernard manages finances and operations at iEmergent, working closely with our analytics team and a select group of clients to ensure that they are leveraging our data and Mortgage MarketSmart effectively.

Also a member of the original iEmergent team, Bernard developed many of iEmergent’s original forecasting models and analytical tools. His professional experience spans multiple industries, including Wells Fargo Home Mortgage, multiple years in the consulting practice at PriceWaterhouse Coopers, and seven years in finance at DuPont-Pioneer. Now he’s back at iEmergent, leveraging his management experience, an MBA from Georgetown, a Project Management Professional (PMP) designation, and his Six-Sigma Green Belt.

Like Laird, Bernard is also closely managed at home by his children, Julien and Lina. In his free time, he works toward a moonlighting career in stand-up comedy.

Mark Watson, Chief of Forecasting

Mark leads the forecasting program at iEmergent and ensures that our data and analytics remain relevant to the current and future lending environments.  Mark has spent the last 20 years doing market and competitive analysis with major mortgage lenders. In fact, he was even an early iEmergent client.

After earning his MBA from Claremont Graduate School, Mark joined Countrywide Financial Corp and soon evolved into a market research specialist. He was an early adopter of geographic information systems (GIS) software which was used extensively in Countrywide's mid-90's retail network expansion. Moreover, he was heavily involved in mortgage market forecasting at both Countrywide and Bank of America. His work encompassed strategic planning, product development, servicing risk analysis, business intelligence (BI) tool development, and many other facets of mortgage lending and analysis.

Mark has seen a lot of lenders come and go in the booms and busts of the past two decades. With his front-row seat on the mortgage industry rollercoaster, Mark brings a wealth of experience and perspective to the iEmergent team.

Chris RouwChris Rouw, Lead Developer

Chris is the lead technical guy behind the Mortgage MarketSmart application. He works with Laird to map out features and functionality that add value for iEmergent clients and Mortgage MarketSmart users, and implements them in the application.

Chris is an Iowa Hawkeyes fan, a coffee connoisseur, and an avid runner—a skill he uses to keep up with his three boys. 

Edward Muelhaupt, Chief Strategy Officer

E.C. leads strategy development and marketing at iEmergent, working closely with clients to ensure that they are leveraging our data and Mortgage MarketSmart to transform their approach to be where the opportunities will be!

E.C. has over 30 years of experience in Financial Services and other industries, helping organizations across the country to bring new products to new markets, as well as improving operational and financial performance. After honing his skills with Booz, Allen & Hamilton, E.C. left to start his own consulting firm.  E.C. led strategic transformations at several organizations including Wells Fargo Home Mortgage, Washington Mutual, Visa, Prudential, EZNetPay, and the IRS. E.C. has an MBA from Kellogg Graduate School of Management, and a BA degree from Brown University.

E.C. enjoys taking bike rides (or sledding, depending on the weather!) with his daughter.  He also enjoys yoga and cooking with wine…sometimes he even adds it to the food!


Founded in 2001 by Dennis Hedlund, iEmergent began as an advisory firm.  Over the years, we have been blessed by the support of great clients, partners (such as NAMMBA and The Mortgage Collaborative), and team members -- all of whom have remained committed to Dennis' vision:  helping banks and lenders become more future-focused and strategic - despite a changing world.