2023 HW Vanguard: Joseph Restivo

Joseph Restivo

Joseph Restivo started American Mortgage Network (AmNet) as a 100% employee-owned (ESOP) company in 2019. With his background as a top originator, he wanted to develop a new standard of working relationships between employees and clients. American Mortgage Network is a different kind of ESOP. After working in multiple executive positions in the mortgage banking industry, Restivo was determined to change the way the industry works from an ownership perspective. Because every employee is an owner, the ESOP model provides a way to make AmNet’s values an integral part of the daily workday. Employees have the freedom to make decisions, work where they want and focus on purposeful work where they can make a difference with clients and each other. Restivo is a hands-on leader who is engaged with employee owners or recruiting new team members on a daily basis. In addition, there is a strong internal communications program that includes daily updates from him on WhatsApp, all-hands meetings and personal messages from Restivo and the team. All employee-owners are empowered to “own” their jobs and enact change when necessary. Recent survey results verify that these comprehensive communication techniques work. Throughout his career, Restivo has supported the military community where he has advocated on behalf of veterans and encouraged hiring those who have retired from the military.

What one habit has made a crucial difference in your success?

I am a listener who puts people first. I want to learn what my team is thinking, prioritizing and having concerns about, especially in this difficult market. My dedication to every team member is recognized in the organization. Being a hands-on leader builds trust. I keep my word, admit my mistakes and deliver what I promise.


Joseph Restivo



Company Name:

American Mortgage Network

3d rendering of a row of luxury townhouses along a street

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