Leadership
Experienced mortgage leaders committed to blending trusted guidance with a personal touch.
Evan Miller
CEO
Evan is a 20-year mortgage industry veteran and former top-producing loan officer with a proven track record of elite performance. Known for his competitive drive and disciplined leadership, Evan brings the same mindset to business that he applies as an Ironman athlete. As a strategic leader and business partner to Dustin Sheppard, Evan oversees the vision, direction, and long-term growth of Element Mortgage.
PJ Crescenzo
CRO
PJ is a nationally recognized sales leader and one of the fastest-growing executives in the mortgage industry. Named to the National 40 Under 40 in 2023, PJ was also recognized by Scotsman Guide as a Top 1% Loan Officer in both 2024 and 2025. As VP of Sales, PJ focuses on building high-performance sales teams, developing future leaders, and driving sustainable production growth across the organization.
Joe Waldherr
COO
Joe brings a strong operational and leadership background, having previously worked with Fortune 100 national construction companies. At Element Mortgage, he plays a critical role in organizational alignment, employee retention, and internal growth strategies. Working closely with Evan and PJ, Joe oversees onboarding, supports leadership initiatives, and ensures the company’s people-first culture scales effectively.
Daniel DuVall
Head of Strategic Growth
Daniel leads Element Mortgage’s strategic expansion efforts, focusing on entering new markets and developing top-tier talent within existing locations. His role is centered on long-term growth initiatives, market positioning, and building infrastructure that supports scalable, sustainable success.