Schedule

Arrive early and attend MBA's Mergers & Acquisition Workshop on January 28, 2019. This is a pre-conference event offered exclusively to IMB Conference attendees. View the workshop agenda and register here.

Schedule subject to change.

Note: Meeting rooms may change, so please refer to the on-site program for final locations.

47 results
Download Agenda Editable Agenda

Monday, January 28, 2019

  • Read more Read less

    This pre-conference workshop on Mergers & Acquisitions is your opportunity to get expert analysis on capital sources, deal structures, current buyer and seller perspectives, and legal, accounting, and tax issues. The workshop is conveniently held as a pre-conference add-on workshop for those attending MBA's Independent Mortgage Bankers Conference.  Enjoy the early networking with senior mortgage executives offered through this M&A Workshop, with time for follow-up discussions over the course of the IMB Conference. Please refer to the online agenda for descriptions of each session taking place.

    Go to the below website for more information about the M&A Workshop and to register:

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

  • M&A Pre-conference Workshop: Session I - Current M&A Landscape: An Interview with Jay Bray

    Location: Garden Room,
    Atrium Lobby Level


    Speaker(s)

    Jeffrey M. Levine, Managing Director, Houlihan Lokey

    Jay Bray, Chairman, President and Chief Executive Officer, Mr. Cooper

    Read more Read less

    Start your day with the macro-view of the M&A landscape followed by an in-depth look at M&A transactions from the perspective and experience of Jay Bray, Chairman, President and Chief Executive Officer at Mr. Cooper. What was attractive about recent deals? How long was the courting period from start to finish? Describe the due diligence process. What other parties and stakeholders got involved and were there roadblocks? How have you melded cultures and kept your best employees?

    Copy and paste this URL into your web browser to register for the M&A Workshop:

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

    Speaker(s)

    Jeffrey M. Levine, Managing Director, Houlihan Lokey

    Mr. Levine is Co-Head of Houlihan Lokey’s Financial Institutions Group and a member of the firm’s Management Committee. He has nearly 30 years of investment banking experience in financial services, involving more than 125 corporate transactions, with a focus on the mortgage finance industry. He is based in Houlihan Lokey’s Miami office.  Previously, Mr. Levine was a partner and board member of Milestone Advisors, which was acquired by Houlihan Lokey in 2012.  Mr. Levine covers mortgage finance companies and REITs nationally as well as depositories in Florida and the Southeast U.S., where he assists clients in mergers and acquisitions and capital markets initiatives. One of the most active advisors in the mortgage banking M&A industry, Mr. Levine has completed more than 125 corporate transactions in his career and is a frequent lecturer and author in the financial services and mortgage industry. Representative clients include Apollo Bank, Apollo Commercial Real Estate Finance, Bayview Financial, CIT Bank, First Tennessee Bank, MetLife, Inc., New York Mortgage Trust, Royal Bank of Canada, TIAA-CREF, Washington Mutual, and Wells Fargo Home Loans.  Mr. Levine also has specific experience in the valuation and sale of related financial assets, such as loans and mortgage servicing rights.

    Jay Bray, Chairman, President and Chief Executive Officer, Mr. Cooper

    Jay Bray serves as the Chairman, President and Chief Executive Officer of Mr. Cooper Group. He also serves as President and CEO for Nationstar. Jay has also served in various leadership roles at Nationstar since joining the company in 2000.  Jay has nearly 25 years of experience in the mortgage servicing and originations industry. From 1988 to 1994, he worked with Arthur Andersen in Atlanta, Georgia, where he served as an audit manager from 1992 to 1994. From 1994 to 2000, Jay held a variety of leadership roles at Bank of America and predecessor entities, where he managed the asset backed securitization process for mortgage-related products, developed and implemented a secondary execution strategy and profitability plan and managed investment banking relationships, secondary marketing operations and investor relations. Additionally, Jay led the portfolio acquisition, pricing and modeling group at Bank of America.

  • M&A Pre-conference Workshop: Session 2 - Views from an Acquiring Company Lens (Closed to Media)

    Location: Garden Room,
    Atrium Lobby Level


    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Christopher Frieden, Partner, Alston & Bird, LLP

    Robert Bush, Head of Strategy, Home Mortgage, Citizen Bank

    Terry L. Schmidt, CMB, Executive Vice President and Chief Financial Officer and Principal, Guild Mortgage Company

    Read more Read less

    Get Insights from a panel of mortgage executives from both banks and independent mortgage companies who are actively acquiring or investing in other mortgage companies. The facilitated discussion will include such topics as: thoughts on the most interesting deals of 2018; current deal structures – including equity stake transactions; and the value of acquiring mortgage servicing rights. Forward-looking predictions for 2019 will be raised – including how much consolidation to expect and what types of mortgage companies will continue to be attractive to buyers.

    Copy and paste this URL into your web browser to register for the M&A Workshop: 

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Bill Cosgrove, served as the 2015 Chairman of the Mortgage Bankers Association. Bill Cosgrove is the Owner and CEO of Union Home Mortgage Corp. headquartered in Strongsville, Ohio in the Greater Cleveland area. His mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union National Mortgage Co. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. In 2010.The name of the company was changed to Union Home Mortgage Corp. In 2007 Bill served as president of the Ohio MBA and in 2015 was the Chairman of the national Mortgage Bankers Association, becoming the first person from Ohio to serve the industry in both capacities. Previously, he served as chairman of MBA’s MORPAC Committee, MBA Board of Governors, and been a long-time member of the MBA Board of Directors. Awards include the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association, The National Mortgage Bankers Associations Burton C. Wood, National Legislative Service Award and the prestigious Andrew Woodward Distinguished Service Award, the highest honor bestowed on an individual member of MBA. Mr. Cosgrove has testified on behalf of the industry before Congress, House Financial Services and Senate Banking Committees and the Ohio House of Representatives. He has been interviewed by national publications, The Wall Street Journal, New York Times, USA Today, numerous trade publications, national and local news networks.

    Christopher Frieden, Partner, Alston & Bird, LLP

    Chris Frieden, co-leader of Alston & Bird’s Financial Services & Products Group, focuses his practice on public and private mergers and acquisitions and corporate finance transactions. Key players in the financial services industry, including banks, mortgage companies, wealth management, and investment advisory firms rely on Chris to guide them through business combination and securities transactions as well as ownership transition and succession planning transactions. His knowledge is also sought on corporate governance matters and new business formation and registration. Chris is recognized by Chambers USA: America’s Leading Lawyers for Business 2017 and 2018 for excellence in the area of banking and finance.

    Robert Bush, Head of Strategy, Home Mortgage, Citizen Bank

    Rob has been in financial services for more than 15-years, all of which have been served at Citizens Bank (aka Citizens Financial Group). He spent the early part of his career in retail banking, serving in different capacities. He eventually moved on to help the bank improve its financial performance through the execution of Lean Transformations and several other financial improvement programs that were tied to bank’s IPO in 2014. Rob moved into the Home Mortgage business of Citizens 3-years ago where he served as the Head of Strategy, helping to develop and implement critical initiatives throughout the business including the recent acquisition of Franklin American Mortgage Company (FAMC). He continues his work in the mortgage business, leading the integration of FAMC.

    Terry L. Schmidt, CMB, Executive Vice President and Chief Financial Officer and Principal, Guild Mortgage Company

    Terry Schmidt is an Executive Vice President, Chief Financial Officer and Principal at Guild Mortgage Company. Ms. Schmidt joined the company in 1985. She is responsible for the financial reporting, budgeting, cash management, warehouse lending and human resource functions. Ms. Schmidt also evaluates potential acquisition candidates, including transaction structures, and integration team management. Over the years she has performed system innovations and conversions related to her areas of responsibility as well as developing value added branch and company metrics, and designing a proprietary MSR valuation and impairment model. Ms. Schmidt has also served on the Board of Directors for Guild since 1996.  Ms. Schmidt also established The Guild Giving Foundation. The charity was formed to encourage employee volunteerism, support financial literacy and provide shelter for those in need.

  • Read more Read less

    Copy and paste this URL into your web browser to register for the M&A Workshop:

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

  • Registration

    Location: Market Street Foyer,
    Street Level

  • Warehouse Lender Executive Roundtable (By Invitation)

    Location: Grand Ballroom B,
    Street Level

  • M&A Pre-conference Workshop: Session 3 - Views from a Selling Company Lens (Closed to Media)

    Location: Garden Room,
    Atrium Lobby Level


    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Dan Diepenhorst, President and Chief Executive Officer, Legacy Mutual Mortgage

    Read more Read less

    Hear from a panel of mortgage executives and experts who represent companies that have been acquired, have received a capital infusion, formed strategic partnerships or may be considering a graceful exit. A moderator will probe questions regarding the sale of one’s company or potential loss of control, including financial, organizational and psychological dimensions important to owners and employees. The current difficult market conditions will not be ignored but instead, addressed head-on. The panel will discuss the realities of today’s market, how to beat the odds and how prepare yourself as an owner for the best transition possible under the circumstances.

    Copy and paste this URL into your web browser to register for the M&A Workshop:

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Lauren Pryor is a partner in Mayer Brown’s Financial Services Regulatory & Enforcement practice and co-lead of the Financial Institutions M&A group.  Lauren focuses her practice on counseling clients in M&A, corporate and business transactional matters in the financial services industry, including advising publicly held and private companies involved in mergers, acquisitions and divestitures and transfers of assets, including mortgage servicing rights and whole loan sales.  Lauren has experience negotiating and drafting bulk and flow mortgage servicing rights purchase and sale agreements (including in connection with the Ginnie Mae PIIT program), whole loan sale agreements for performing and non-performing assets, correspondent agreements and servicing arrangements. Lauren has counseled clients in complex stock and asset-based transactions, joint ventures, financings, entity formation and business planning across industry sectors, including mortgage companies, loan servicers, banks, hedge funds and technology firms.

    Teresa Whitehead, Chief Executive Officer, Citywide Home Loans/CHL Mortgage

    Teresa has worked in the financial services sector for over 30 years, but found a passion for mortgages about 20 years ago. Since joining Citywide Home Loans in 2009, Teresa’s unsurpassed leadership ability has driven progression throughout the company, and the mortgage industry as a whole. Citywide, with Teresa at the helm, has managed to navigate through a slew of regulatory changes without losing sight of what matters most, the homeowners.  Teresa has a thorough knowledge of all aspects of manufacturing a loan, and has an uncanny ability to structure the most complicated transactions. This dedication to challenges and doing right by borrowers, has given rise to a client-centric culture at Citywide. This culture, dubbed Citywide’s “soul”, is very attractive to highly skilled sales people and innovative operations personnel, giving rise to the company’s impressive growth.  Teresa was a founding member, and the Secretary/Treasurer, of the Utah Mortgage Bankers Association. She served as a member of the CFPB panel on the impact of Dodd-Frank, and is currently the Co-Chair of the MBA IMB Network Call.

    Dan Diepenhorst, President and Chief Executive Officer, Legacy Mutual Mortgage

    Dan Diepenhorst is President and Chief Executive Officer of Legacy Mutual Mortgage.  After earning a Bachelor of Business Administration at Southwest Texas State University, Dan started his mortgage lending career in San Antonio with Mission Mortgage in 1992. Fast forward to June 2003 when Dan followed his dream and started his own mortgage company. This dream was accomplished by establishing a respected reputation as a reliable local mortgage banker in San Antonio for the past 13 years. As the VP of Sales for Legacy for 6 Years, Dan settled into the role as the respected leader of the company in the CEO/President role shortly after and has been there for 7 of the over 13 years of Legacy’s history, humbly boasting over 27 years of experience in the Mortgage Business.

  • M&A Pre-conference Workshop: Session 4 - Deal Structures: Legal, Accounting and Tax Considerations (Closed to Media)

    Location: Garden Room,
    Atrium Lobby Level


    Speaker(s)

    Mitchel H. Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC

    Don J. Halpern, Partner, Weiner Brodsky Kider PC

    Kenneth F. Richey, AMP, Partner, Business Advisory Services, Richey May & Co., LLP

    Read more Read less

    A group of legal, accounting and tax experts will discuss legal and regulatory issues involved in various deal structures as well as accounting and tax implications, such as how tax reform may affect an M&A transaction. Types for deal structures will be explained including differences between: asset sales, whole company sales, hold-backs, strategic partnerships, joint ventures, risk sharing, and/or minority vs. majority equity stakes. The rewards and risks associated with each deal structure option will be discussed.

    Copy and paste this URL into your web browser to register for the M&A Workshop:

    https://www.mba.org/store/events/conferences-and-meetings/mergers-and-acquisitions-workshop

    Questions? Contact the MBA Registration Team at meetings@mba.org for registration questions. 

    Speaker(s)

    Mitchel H. Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 36 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    Don J. Halpern, Partner, Weiner Brodsky Kider PC

    Don J. Halpern has over 30 years of experience in transactional, corporate and regulatory matters, virtually all of those directly involving the issues facing the mortgage banking and real estate finance industry. Don is a partner in the Washington, D.C. office of Weiner Brodsky Kider PC, where he represents clients in structuring, negotiating and documenting complex acquisitions, financings and other business arrangements.  Weiner Brodsky Kider PC is a leading national law firm focusing in transactional, regulatory compliance, and litigation matters directly related to the mortgage banking and real estate finance industry. Our firm represents a broad client base throughout the United States, from start-up businesses to the largest players in our industry. Our clients include financial institutions, mortgage bankers, mortgage servicers and subservicers, secondary market investors, venture capital funds, homebuilders, mortgage brokers, real estate brokers, title companies, and trade associations. The firm understands both the legal and business environments in which our clients operate.   Don speaks regularly at industry conferences, including past M&A Workshops.

    Kenneth F. Richey, AMP, Partner, Business Advisory Services, Richey May & Co., LLP

    Ken founded Richey May & Co. in 1985 and he currently serves as the firm’s Managing Partner. In his role as Managing Partner, Ken’s primary responsibilities include leading firm growth and supporting the firm’s partners in their leadership, management, and technical problem solving efforts. Under his leadership, the firm has consistently grown every year and has been recognized numerous times by Inside Public Accounting as one of the Best of the Best accounting firms in the country. He has instilled a passion for excellence and client service within his leadership and management teams. He works closely with his team to create value-added tax and business advisory solutions for closely held businesses and their owners. Ken works directly with clients to create customized business and tax planning strategies. He consults frequently on business transactions, providing assistance with due diligence and structuring in mergers and acquisitions, financings, asset sales and business liquidation events. His clients come from a broad range of industries including mortgage banking, real estate, wholesale distribution, manufacturing, and various service industries.  rofessional organizations, trade associations and business groups often seek Ken’s insights on a variety of issues. Ken frequently delivers articles and presentations to the Mortgage Bankers Association and Colorado Mortgage Lenders Association on tax and accounting issues affecting their members. Ken serves on the Advisory Board of Inside Public Accounting, an industry leading trade organization.

  • IMB Executive Council Meeting (Council Members Only)

    Location: Grand Ballroom C,
    Street Level

  • Opening Reception: Golden City Social

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

Tuesday, January 29, 2019

  • Registration

    Location: Market Street Foyer,
    Street Level

  • Continental Breakfast

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Exhibit Area Open

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Opening General Session: An Unconventional Method of Business and Team Leadership

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Christopher M. George, 2019 MBA Chairman, President & Chief Executive Officer, CMG Financial

    Robert D. Broeksmit, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    Bob Myers, General Manager, Golden State Warriors, 2018 NBA Champions

    Read more Read less

    Industry leaders Bill Cosgrove, Chris George and Bob Broeksmit provide perspective on the opportunities and challenges IMBs may face in the year ahead, including what’s happening in the market as well as in Washington.

    Following the opening remarks, MBA’s Chairman Chris George interviews the General Manager of the Golden State Warriors, Bob Myers. Through personal anecdotes and real-life examples, Myers, describes how he transformed a dying NBA franchise into a championship winning team. A Bay area native, he also shares his personal story of growth and triumph, going from NCAA champion, to one of the most respected sports agents in the industry, to now becoming one of the most successful top executives in professional sports. Myers details the advantages of his own approach to management which he calls “collaborative decision-making,” honed from his years leading teams both on and off the court. Learn how to utilize Myer’s unique leadership style in your own organization to forge better teams and create a winning culture.

    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Bill Cosgrove, served as the 2015 Chairman of the Mortgage Bankers Association. Bill Cosgrove is the Owner and CEO of Union Home Mortgage Corp. headquartered in Strongsville, Ohio in the Greater Cleveland area. His mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union National Mortgage Co. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. In 2010.The name of the company was changed to Union Home Mortgage Corp. In 2007 Bill served as president of the Ohio MBA and in 2015 was the Chairman of the national Mortgage Bankers Association, becoming the first person from Ohio to serve the industry in both capacities. Previously, he served as chairman of MBA’s MORPAC Committee, MBA Board of Governors, and been a long-time member of the MBA Board of Directors. Awards include the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association, The National Mortgage Bankers Associations Burton C. Wood, National Legislative Service Award and the prestigious Andrew Woodward Distinguished Service Award, the highest honor bestowed on an individual member of MBA. Mr. Cosgrove has testified on behalf of the industry before Congress, House Financial Services and Senate Banking Committees and the Ohio House of Representatives. He has been interviewed by national publications, The Wall Street Journal, New York Times, USA Today, numerous trade publications, national and local news networks.

    Christopher M. George, 2019 MBA Chairman, President & Chief Executive Officer, CMG Financial

    Christopher M. George, Chairman of the Mortgage Bankers Association, is the founder, President and CEO of CMG Financial, a privately held Mortgage Bank, headquartered in San Ramon, California. In addition to his role at CMG Financial, George has served on the MBA's Board of Directors since 2012, is a member of MBA's Independent Mortgage Bankers Executive Council and MBA's Consumer Affairs Advisory Council, as well as an active member of MBA's advocacy efforts. He also serves as the 2018 Chairman of MBA's Diversity and Inclusion Committee. Additionally, George is past Chairman for California Mortgage Bankers Association and has served on many advisory boards and task forces within the industry.

    Robert D. Broeksmit, CMB, President and Chief Executive Officer, Mortgage Bankers Association

    Robert Broeksmit (Bob) is President and CEO of the Mortgage Bankers Association (MBA). Bob is a senior finance executive and corporate officer with a 33-year career in the mortgage sector. He has directed all aspects of lending activities, including marketing, sales, operations, secondary marketing, loan servicing, and default management. He has also served as a mortgage underwriting expert testifying on many large, high-profile cases.  Prior to joining MBA in 2018, Bob served as President and Chief Operating Officer with Treliant, heading the firm's mortgage litigation support practice and serving diverse financial services clientele including large banks, independent mortgage lenders, community banks, credit unions, and service providers to the mortgage industry. As a Washington-based financial services consultancy, Treliant's mortgage practice included strategic advisory for executive management and corporate boards; litigation defense, including file reviews, litigation strategy, expert reports, and expert testimony; CFPB examination preparation and implementation of mortgage regulations promulgated by the CFPB and other regulators; and operational aspects of mortgage banking, ranging from origination to servicing and loss mitigation.  Before Treliant, Bob held senior leadership positions in the mortgage business, including fourteen years with Chevy Chase Bank (including after its purchase by Capital One), where he was Executive Vice President and President of its B.F. Saul Mortgage Company subsidiary. Bob also was a Vice President at Prudential Home Mortgage for seven years. He has overseen annual originations of $9 billion, a balance sheet of $10 billion in residential mortgages, and a servicing portfolio of $20 billion. He also held positions at Great Western Mortgage, Krupp Residential Mortgage, and The Money Store.  Bob has served as the Chairman of the Mortgage Bankers Association's Residential Board of Governors and as a member of its Board of Directors. Firms under his leadership have garnered multiple awards for servicing operations excellence, including Freddie Mac's Tier One and Hall of Fame designations. He is a Certified Mortgage Banker (CMB) and a graduate of Yale University.

    Bob Myers, General Manager, Golden State Warriors, 2018 NBA Champions

    Bob Myers is in his sixth year as General Manager of the NBA’s Golden State Warriors. In 2018, the Warriors won the NBA Championship for the third time in four years. In 2017, Myers himself was named the NBA Executive of the Year for the second time in two years. He was first awarded that title in 2015 for building a roster that won a franchise-record 67 regular-season games and culminated in winning the 2015 NBA Championship – the team’s first title in 40 years. The Warriors finished with a combined 83 victories in the regular season and postseason, the third-most wins in NBA history. Myers also won a championship as a player, having been a member of the UCLA Bruins’ squad that captured the NCAA title in 1995.  

    Myers was named General Manager on April 24, 2012. During his first three seasons as GM, Myers assembled teams that earned four straight trips to the NBA Playoffs, marking the first time the Warriors earned four consecutive postseason berths since 1949-52. In fact, prior to the last three seasons, the club had only made the playoffs once in the previous 18 years. Golden State’s 191 regular-season victories over the last three seasons represent the team’s most wins in a three-year stretch in franchise history.

    Before joining the Warriors, Myers spent the previous five years at Wasserman Media Group (WMG), one of the largest global sports and entertainment companies in the world. As managing executive, Myers represented a client list of nearly 20 NBA players in their team and endorsement contracts. With a well-earned reputation as one of the top player agents in the NBA, Myers was a recipient of the presti- gious “40 under 40” Award in 2011, presented annually by the Sports Business Journal to the 40 most influential sports executives under the age of 40.



  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • General Session: Politics and Policy

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Read more Read less

    MBA’s Chief Lobbyist, Bill Killmer, provides a succinct analysis of the makeup of the newly-installed 116th Congress (including committee leaders), as well as the reshuffling of the political deck at key regulatory agencies – and explains what it may mean for housing policy decisions that could impact your business in the coming year.

    Speaker(s)

    Bill Killmer, Senior Vice President, Legislative and Political Affairs, Mortgage Bankers Association

    Bill Killmer is Senior Vice President for Legislative and Political Affairs at the Mortgage Bankers Association (MBA). A veteran of over twenty five years in the housing arena, Bill is responsible for managing the real estate finance industry's legislative, grassroots, and political fundraising activities, in close coordination with the MBA member leadership and its public policy and lobbying teams. He directs MBA's outreach to Congress, and is a regular guest speaker on the intersection of politics, policy, and industry issues.  Previously named one of CEO Update's trade association Top Lobbyists, Killmer joined MBA in July 2010, after nearly twenty years in the policy space at the National Association of Home Builders (NAHB). During his NAHB tenure, Killmer served as the association's Chief Lobbyist and, more recently, as Executive Vice President for Advocacy, managing all aspects of the group's public policy outreach. He previously served as a Senior Legislative Officer for Congressional and Intergovernmental Affairs at the U.S. Department of Labor during the George H.W. Bush administration.

  • General Session: Partnering in Government Lending 2019

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Maren Kasper, Executive Vice President, Ginnie Mae

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    Jeffrey F. London, Director, Loan Guaranty Service, U.S. Department of Veterans Affairs

    Read more Read less

    Hear updates from the Federal Housing Administration (FHA), Ginnie Mae, Veterans Affairs (VA) and Rural Housing Service (RHS) on their major programs and initiatives, including what they have planned for 2019. These important government partners will discuss ways to utilize their programs to reach key borrower segments.

    Speaker(s)

    Maren Kasper, Executive Vice President, Ginnie Mae

    Maren Kasper joined Ginnie Mae as Executive Vice President in June, 2017. She oversees all aspects of business and policy development related to Ginnie Mae’s daily operations.  Ms. Kasper most recently served as a Senior Advisor in the Office of the Secretary at the Department of Housing and Urban Development (HUD). She advised the Secretary on a broad range of housing and community development strategic priorities – ranging from housing finance and the securitization market, to public housing and budget initiatives. Prior to joining HUD, Maren served as a Director at Roofstock, a real estate tech company based in Oakland, California. While at the company, Maren led efforts focused on business development and fund management. Before joining Roofstock, Maren worked for Dwell Finance, a Blackstone-owned real estate lender, and Wells Fargo Securities, Equity Research.

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    Eddy Perez is the co-founder of Equity Prime Mortgage LLC. Perez is a seasoned professional with experience holding multiple executive level positions. He has personally closed over 3,000 loans since entering into the mortgage business. As President of Equity Prime Mortgage, his responsibilities include overseeing sales, EPM’s growing diversity initiative, capital markets, finance and marketing.

    Jeffrey F. London, Director, Loan Guaranty Service, U.S. Department of Veterans Affairs

    Jeffrey F. London is the Director of the Loan Guaranty Service (LGY) at the U.S. Department of Veterans Affairs (VA). He directs the national loan program responsible for helping veterans obtain mortgages to purchase homes, adapt homes to accommodate certain service-connected disabilities, retain their homes if they experience financial difficulties, as well as the program that sells REO properties acquired through this process. Previously, Jeff served as the Deputy Director of the VA home loan program and Assistant Director for Oversight. Prior to joining VA, Jeff was a District Manager for ConocoPhillips Corporation and was responsible for corporate retail operations in Pennsylvania and Delaware.

  • Networking Lunch

    Location: Upper / Lower Atrium,
    Atrium Lobby Level

  • General Session: Mortgage Market Outlook for IMBs

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Marina B. Walsh, Vice President, Industry Analysis Research and Economics, Mortgage Bankers Association

    Read more Read less

    MBA’s Research team provides the latest analysis of current economic, housing market and mortgage market trends, with a focus on lender profitability and other business metrics. Get the latest forecast for the industry, including the various forces impacting the market and what they might mean as you develop your business strategy for 2019 and beyond.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Marina B. Walsh, Vice President, Industry Analysis Research and Economics, Mortgage Bankers Association

    Marina Walsh is vice president of industry analysis in MBA's research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to twenty years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the Quarterly National Delinquency Survey. In addition, Walsh conducts specialty workshops, symposiums and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for several conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Introductory and Advanced Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences. Walsh was named to HousingWire's "2016 Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ.

  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Business Operation and Compliance Track: Managing LO Comp to the Bottom Line

    Location: Bayview,
    Bay Level


    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

    Lori Brewer, Founder and Chief Executive Officer, LBA Ware

    Lauren Patel, Human Resources Director, loanDepot.com, LLC

    Read more Read less

    Declining margins, evolving roles requiring new skillsets and regulations complicating the compensation of LOs, all pose new challenges to staffing a mortgage business. Retaining top talent now may not be sustainable in the long-term. Right-sizing now may risk future growth. Learn about staffing and compensation headaches from both a business and legal perspective, and potential regulatory relief on the horizon.

    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta is also a founder of ComplyShare, a quality control and compliance company. Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations. Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry and professional associations and frequently speaks on lending issues.

    Lori Brewer, Founder and Chief Executive Officer, LBA Ware

    LBA Ware™ Founder and CEO Lori Brewer is an accomplished entrepreneur and technology leader who has manifested her forward-thinking visions into the development of over 25 FinTech enterprise applications including CompenSafe™, the premier incentive compensation and sales performance management platform for mortgage lenders. As an officer in the U.S. Air Force, she wrote the first website for the C-130 Hercules System Program Office. Following the conclusion of her military service, she was hired as a software developer by a mid-sized independent mortgage lender and has never looked back. Over her 20+ year tenure in the industry, Brewer has become an indispensable technology resource and significant contributor to the body of research shaping the current industry conversation around loan originator compensation.

    Lauren Patel, Human Resources Director, loanDepot.com, LLC

    Lauren Patel is the Director of Human Resources for loanDepot. She and her team partner with over 2,000 sales executives, managers and individual contributors in a multi-state environment. Over the last 2 years, she has been focused on designing and rolling out competitive compensation plans and tools for Originators to Senior Executives. In addition to compensation, Lauren drives business objectives by using HR Analytics. She has created customized leadership development programs, streamlined the off-boarding process, delivered employee surveys and leveraged technology to maximize the employee experience. Prior to loanDepot, Lauren spent over 10 years working in HR leadership roles at Oracle, Sage Software and MCI. She holds her BA in Communication from the University of Arizona and is a certified Predictive Index Advisor.

  • Innovation and Strategy Track: Ten Things Your Mortgage Company Must Do to Come Out Ahead in 2019

    Location: Seacliff,
    Bay Level


    Speaker(s)

    Michael D. McAuley, Principal, Garrett, McAuley & Co.

    Joe Garrett, Principal, Garrett, McAuley & Co.

    Read more Read less

    Attend this session for a top ten list of strategic initiatives to implement in 2019 to keep your company ahead in a lean market. These specific and actionable suggestions will help you and your team focus on how to increase revenues, control costs, and better manage risk, not only in 2019, but every year thereafter.

    Speaker(s)

    Michael D. McAuley, Principal, Garrett, McAuley & Co.

    Michael D. McAuley is a Principal of Garrett, McAuley & Co., a banking and mortgage banking consulting firm that “helps lenders increase revenues, control costs and better manage risk.”  Mike has more than twenty years of commercial banking experience in financing mortgage bankers, homebuilders, and related firms, most recently at JP Morgan Chase. Mike is an acknowledged expert in the field of mortgage banking and warehouse lending, and he consults with banks, mortgage bankers, credit unions, and regulators.  He focuses on assisting mortgage bankers with improving their strategies, finances, compliance, secondary marketing, and operations.  Mike is a past chairman of the RMA Warehouse Lenders Roundtable; member of the Warehouse Lending Subcommittee at the Texas Mortgage Bankers Association; and a Graduate with Distinction, Willis Bryant Award finalist, and Lecturer at the School of Mortgage Banking.

    Joe Garrett, Principal, Garrett, McAuley & Co.

    Joe Garret is a principal at Garrett, McAuley & Co. Joe has been in the banking and mortgage banking industry since 1977, with most of his experience being within FDIC-insured banks. He has served on the Board of Directors of four banking institutions and served as Chairman and CEO of two of them. He also taught Real Estate Finance at the University of California, Berkeley.

  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • General Session: TechLive - Technology Solutions for the Mortgage Lifecycle

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Lori Brewer, Founder and Chief Executive Officer, LBA Ware

    Joe Langner, Chief Executive Officer, Blue Sage Solutions

    Marcos Carvalho, Co-Founder and Chief Revenue Officer, NestReady

    Aaron King, Chief Executive Officer and Founder, Snapdocs

    Xander O'Han, Manager, Enterprise Accounts, Plaid

    Jeffrey Axelrod, Group Executive, Riivos

    Read more Read less

    Don’t miss this session featuring demonstrations showcasing the latest technology that solves common business problems and creates new opportunities. Learn from providers, experts and peers about solutions across the mortgage lifecycle, from lead management to post-closing. Take part by providing feedback, asking questions, and participating in live polling. You’ll leave inspired by the opportunities to digitally transform your company.

    Speaker(s)

    Michael Fratantoni, Ph.D., Chief Economist and Senior Vice President of Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP's Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Lori Brewer, Founder and Chief Executive Officer, LBA Ware

    LBA Ware™ Founder and CEO Lori Brewer is an accomplished entrepreneur and technology leader who has manifested her forward-thinking visions into the development of over 25 FinTech enterprise applications including CompenSafe™, the premier incentive compensation and sales performance management platform for mortgage lenders. As an officer in the U.S. Air Force, she wrote the first website for the C-130 Hercules System Program Office. Following the conclusion of her military service, she was hired as a software developer by a mid-sized independent mortgage lender and has never looked back. Over her 20+ year tenure in the industry, Brewer has become an indispensable technology resource and significant contributor to the body of research shaping the current industry conversation around loan originator compensation.

    Joe Langner, Chief Executive Officer, Blue Sage Solutions

    Joe Langner, CEO of Blue Sage, is responsible for establishing the Blue Sage platform as the industry’s technology of choice for direct lenders, retail lenders, wholesale lenders and correspondent lenders. A mortgage technology veteran, Joe was former chief operations officer at Ellie Mae and prior to that, he served as president of PCLender. Joe has more than 25 years of executive experience in the financial services and software industries, leading organizations ranging from start-ups to $900-million business units. He has consistently delivered increased revenue and market share in major industries. Joe’s expertise includes mortgage lending, product development, mobile applications and data mining.

    Marcos Carvalho, Co-Founder and Chief Revenue Officer, NestReady

    Marcos Carvalho is a serial entrepreneur who has over 15 years of experience in the real estate, mortgage, and technology industries.  He is a technology advocate who founded several tech companies with a vision and passion for transforming the homebuying experience for lenders, realtors, and homebuyers. Before founding NestReady, Marcos launched Navut, the first online relocation platform using big data and proprietary matchmaking algorithms to connect people to their ideal neighborhoods and the most suitable local real estate agents.  NestReady was then created following the demand of some of the largest financial institutions in North America for superior engaging solutions that would put lenders at the center of homebuying and provide actionable insights on their client’s journey.  As NestReady’s Chief Revenue Officer, Marcos’ mission is to empower mortgage companies, banks, and credit unions with their own end-to-end homebuying solution.

    Aaron King, Chief Executive Officer and Founder, Snapdocs

    Aaron King started working in the mortgage industry when he was a senior in high school. He obtained his notary license at 18, and founded a nationwide notary signing service when he was 21.   In 2013, Aaron founded Snapdocs, a technology company focused on perfecting mortgage closings. Snapdocs enables lenders and their settlement partners to bring the mortgage closing process online, creating a beautiful digital experience for their consumers.

    Xander O'Han, Manager, Enterprise Accounts, Plaid

    Xander O'Han manages Plaid's relationship with Enterprise customers across a diverse range of industries, with a specific focus on financial services and lending. Plaid is the leader in bank account linking solutions within the fintech industry, with customers including Venmo, Goldman Sachs, Square, and MoneyLion. With a recent $250M funding round, Xander is charged with helping drive Plaid's push into mortgage, enabling companies to leverage Plaid's products to digitize the application process and enhance the customer experience.

    Jeffrey Axelrod, Group Executive, Riivos

    Jeffrey Axelrod has 25 years of experience in the fintech and software spaces. He has had pivotal roles on management teams at multiple fintech companies and is an industry expert in the financial management of asset allocator firms. Prior to Riivos, Jeffrey served as CEO and founder of Cogency, a software company providing a partnership and portfolio accounting solution to the asset management space. Jeffrey was the architect of the Cogency product, which is being used by some of the largest asset allocators to manage over $100B in assets, and led Cogency to a successful acquisition by Backstop Solutions Group. As CTO at Backstop, he continued to drive the Cogency product and was responsible for all aspects of the SaaS technology and product development stack. Jeffrey has spoken often at conferences and seminars on topics such as liquidity, cash management, investor fee strategies, and the complexities of managing a multi-asset class portfolio.

Wednesday, January 30, 2019

  • Registration

    Location: Market Street Foyer,
    Street Level

  • Continental Breakfast

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Exhibit Area Open

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • IMBs Unplugged: Roundtable Discussions (IMBs Only - Closed to Media)

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

    Fran Mordi, Assistant Vice President, Financial Management, Tax and Accounting Policy, Mortgage Bankers Association

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Owen V. Lee, Chief Executive Officer and Co-Owner, Success Mortgage Partners, Inc.

    Frank Fiore, President, Matchbox, LLC

    Read more Read less

    Meet face-to-face with your peers from the monthly Independent Mortgage Bankers Network call. This forum – only open to IMBs - provides an opportunity to dig deep on business concerns specifically from the IMB perspective. Utilizing a roundtable format, you’ll collaborate with peers on a specific issue in small groups, learn from shared experiences, and then use your discussion to share with the larger group. This ninety-minute think tank will serve to identify common challenges as well as solutions for you and your company.

    Speaker(s)

    Loretta Salzano, President, Franzen and Salzano, PC

    Loretta Salzano founded Franzén and Salzano in 1997 after serving as in-house counsel to financial institutions. Loretta is also a founder of ComplyShare, a quality control and compliance company. Loretta advises banks, mortgage lenders, real estate brokers, title agents and other settlement service providers on how to increase their business while remaining within the confines of the laws of all 50 states and federal law including, but not limited to, TILA, RESPA, ECOA and HMDA. Loretta advises her clients regarding fair lending, compensation, marketing, licensure, fees, disclosures, reporting, and other matters related to their products and services. She drafts and negotiates contracts, including service agreements, compensation agreements, loan purchase and sale agreements and warehouse documents. Loretta also assists clients in responding to regulatory examinations. Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia and to Rainbow Village, a transitional housing program. She is active in many industry and professional associations and frequently speaks on lending issues.

    Fran Mordi, Assistant Vice President, Financial Management, Tax and Accounting Policy, Mortgage Bankers Association

    Fran Mordi joined the Mortgage Bankers Association in May of 2017 after 20 years of post-Law school experience in the areas of tax and accounting. As VP in the Tax, Accounting & Mortgage Markets group at the American Bankers Association for ten years, Fran worked with financial services entities on tax and accounting issues, specifically as subject matter expert and member engagement lead on policy and compliance. Fran worked on domestic and international issues impacting the industry, put together training sessions for members, managed several banker committees, and was a frequent speaker at various bank tax conferences and meetings. Fran has extensive experience working with the banking regulators, FASB, the Treasury and Congress as an advocate of the financial services industry. Before joining the MBA, Fran spent a few years at Deloitte Tax where she expanded her knowledge and experience in Tax Accounting as well as client relationship and management.

    Phillip L. Schulman, Partner, Mayer Brown LLP

    Phillip Schulman is a partner in Mayer Brown's Washington DC office and a member of the Consumer Financial Services group. His practice focuses on a range of matters related to real estate finance, mortgage banking and consumer finance in both the primary and secondary markets. He represents companies in the mortgage lending, title insurance and real estate industries in connection with administrative and regulatory compliance matters, including those involving the Consumer Financial Protection Bureau (CFPB), the US Department of Housing and Urban Development (HUD), the US Department of Veterans Affairs (VA), Ginnie Mae, Fannie Mae and Freddie Mac. He advises clients on matters related to approval, origination and servicing requirements under the US Federal Housing Administration's single-family loan programs. He also defends companies in connection with governmental audits, investigations and enforcement proceedings, before, among others, the CFPB, HUD, the VA, the DOJ and the Federal Trade Commission, with particular focus on defense of False Claims Act, Financial Institutions Reform, Recovery, and Enforcement Act, Mortgage Review Board and Real Estate Settlement Procedures Act enforcement matters. Mr. Schulman served as chief legal counsel for HUD’s Office of Inspector General and Mortgagee Review Board. He is a frequent lecturer on real estate and mortgage banking matters and has co-authored several books on RESPA, including A Practical Guide To The Real Estate Settlement Procedures Act. He is admitted to practice before various state and federal courts including the U.S. Supreme Court.

    Owen V. Lee, Chief Executive Officer and Co-Owner, Success Mortgage Partners, Inc.

    Owen Lee is an attorney, co-owner and CEO of Success Mortgage Partners, Inc. (SMP) in Plymouth, Michigan. SMP has obtained mortgage lending licenses in 23 states and built a staff of over 120 loan officers and an overall staff of over 300. SMP has obtained its Full-Eagle designation with FHA for both forward and reverse mortgages. Gained Fannie Mae, FHA, VA, RD, and HECM lender approvals. Owen is also the co-owner and Managing Member of Title Partners, LLC a full service multi-underwriter title agency.

    Frank Fiore, President, Matchbox, LLC

    Frank Fiore began his career in the financial world on Wall Street. During this 10 year period, he worked at 3 firms, Nomura Securities, Lehman Brothers, and Morgan Stanley. During this time he gained an appreciation for the balance between the services needed by front office production units and the support needed from the operations teams. He has managed this balance successfully throughout his career which has aided him through all the companies he worked for.  In 1998, Frank had a unique opportunity to join a growing mortgage company that was close to home in Long Island, New York. Frank enjoyed a 15 year period at Premium Capital Funding, where after filling in multiple Operational positions over the years, such as C.F.O. and Head of Secondary, he became the Chief Operating Officer.  Frank Fiore is the President of matchbox LLC, a consulting and advisory firm focusing on mortgage banking operations in two areas: improvement in the use of technology and the understanding of the secondary markets. matchbox was created in 2010 to be a consulting and advisory firm that would not just advise companies but work with them in implementing improvements on the operational side that resulted in increased profitability. Since inception, matchbox has worked on over 250 successful engagements, mostly on the Encompass Loan Origination side and has assisted many companies in achieving their goals. Being a former mortgage banker and Encompass client, Frank has extensive knowledge of the Encompass Loan Origination System and employs a team of diverse mortgage bankers strategy that models technology to support your business model.  Frank is a graduate of the Mortgage Bankers Association Future Leaders program. He is a member of both the Secondary and Capital Markets and Residential Technology Forum committees with the Mortgage Bankers Association.

  • General Session: Risks and Rewards of Disruption in the Home Purchase Process

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Nate Harbacek, Head, Corporate Development and Director of Capital Markets, Opendoor

    Julian Hebron, Founder, The Basis Point

    Grant Moon, Chief Executive Officer and Founder, Home Captain Inc.

    Alex Blum, General Manager, Mortgage Research Center (MRC)

    Read more Read less

    At the same time the mortgage industry is undergoing massive change based on advancements in technology and customer expectations, so is the real estate brokerage business. There are new processes emerging for the home search, home purchase, and home sale process. How will this impact purchase-focused IMBS, given  real estate brokers are their primary referral source?  Learn more about the new approaches and what savvy lenders need to do to stay competitive.

    Speaker(s)

    Nate Harbacek, Head, Corporate Development and Director of Capital Markets, Opendoor

    Nate Harbacek started his career at Oliver Wyman as a consultant in their Finance and Risk practice at the start of the financial crisis, where he specialized in mortgage credit risk modeling and bank analytics, restructuring, and corporate finance. He then spent four years at Goldman Sachs in investment banking, covering financials for M&A and capital markets, and covered large U.S. and international banks and the world’s largest mortgage companies. He was recruited to TPG Capital’s credit and special situations fund (TSSP), where he covered residential and small balance commercial real estate asset investing and financial institutions. He oversaw Roosevelt, TSSP’s residential mortgage servicer, asset manager, and originations platform. Currently, Nate is Head of Corporate development at Opendoor, where he runs business and corporate development, including partnership programs, and also co-runs Opendoor’s capital markets business.

    Julian Hebron, Founder, The Basis Point

    Julian Hebron is the founder of The Basis Point, a sales & brand strategy consultancy for fintech & real estate organizations and a consumer finance media platform. Over the last 20 years, he has served in executive sales and marketing roles at UBS, Wells Fargo, loanDepot, and LendUS. Julian is known for bringing clear thinking and modern sales and marketing strategies that help consumer finance organizations maximize technology impact, elevate salespeople, and lead the way in this disruptive era.

    Grant Moon, Chief Executive Officer and Founder, Home Captain Inc.

    Grant is the CEO and founder of Home Captain, one of the fastest growing real estate tech companies.  Before founding Home Captain, Grant obtained experience in management, sales, marketing, and e-commerce working in multiple roles at American Express and Hersha a publicly traded Real Estate Investment Trust. Grant started his career serving in the US Army and worked in numerous leadership capacities achieving the rank of Major.  After a tour of duty in Iraq, Grant realized the value of homeownership with his VA Home Loan Benefits and bought a home in Massachusetts. Through Grant’s mortgage and real estate experience, he saw firsthand the need for the Home Captain platform of integrating the three essential parties of the homebuying transaction, the loan officer, home buyer, and Realtor®.  In keeping with Home Captain’s focus, Grant authored The Ultimate Guide to VA Loans in 2013 and The Ultimate Guide to Home Buying 2018.

    Alex Blum, General Manager, Mortgage Research Center (MRC)

    Alex Blum is the General Manager of Mortgage Research Center (MRC), a technology provider focused on generating licensed quality contacts for lenders from a variety of online experiences. MRC specializes in digital marketing and finding borrowers searching out Conventional, FHA, VA and USDA loans. MRC also powers mortgage platforms on Realtor.com and Homes.com helping them optimize and improve their mortgage channels. Alex is an analytical marketer who started his career helping Veterans United Home Loans grow its online lead generation business into a nationwide leader.

  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • General Session: What’s New with the GSEs?

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Dave Lowman, Executive Vice President, Single Family Business, Freddie Mac

    Andrew Bon Salle, Executive Vice President, Single Family Business, Fannie Mae

    Susan Stewart, 2019 MBA Vice Chairman, Chief Executive Officer, SWBC Mortgage

    Read more Read less

    In a discussion with leaders from Fannie Mae and Freddie Mac, learn updates on issues of ‭particular interest to independent mortgage bankers.‬‬‬‬‬‬‬‬‬‬‬

    Speaker(s)

    Dave Lowman, Executive Vice President, Single Family Business, Freddie Mac

    David Lowman was named executive vice president for the Single-Family business in May 2013. He is a member of the company's senior operating committee and reports directly to CEO Don Layton. As head of Single-Family, Mr. Lowman has broad responsibility for the line of business, including managing the company's relationships with its Seller/Servicers, the performance of Freddie Mac's guarantee book of business, securitization of new business, and all sourcing, servicing and business operations. He has worked in the mortgage and consumer finance business for over 30 years, serving at some of the nation's largest mortgage operations. Mr. Lowman served as CEO of Chase Home Lending from 2006 to 2011, overseeing $150 billion in annual production and a $1.2 trillion servicing portfolio at what was then the country's third largest mortgage originator and servicer. Prior to that, he spent a decade in senior leadership roles in various lending businesses of Citigroup, including head of CitiMortgage and Citicorp Trust Bank, FSB. Before joining Citigroup, Mr. Lowman spent 11 years at The Prudential Home Mortgage Company, Inc. in progressively senior leadership roles. He started his career in the Washington, D.C. office of KPMG, where his clients included banks, thrifts and mortgage bankers.

    Andrew Bon Salle, Executive Vice President, Single Family Business, Fannie Mae

    Andrew Bon Salle is Executive Vice President – Single-Family Business at Fannie Mae, a leading source of liquidity in the U.S. residential housing market. Reporting to the President and Chief Executive Officer, Mr. Bon Salle is responsible for all aspects of the Single-Family business, including engagement with customers, managing the performance of the credit portfolio, and overseeing all capital markets activities. Mr. Bon Salle also leads the company's efforts to integrate with the Common Securitization Platform. Most recently, Mr. Bon Salle served as Fannie Mae's Senior Vice President and Head of Underwriting and Pricing and Capital Markets, overseeing the company's credit risk management and pricing strategies to maximize the profitability of the single-family credit book throughout different economic cycles. During his tenure at Fannie Mae, Mr. Bon Salle has held many positions within Capital Markets including Senior Vice President, where he managed the Single-Family Products Group, providing lender execution services such as mortgage-backed securities (MBS) and structured product sales and trading, whole loan acquisition and conduit activities, and early funding transactions. Prior to joining Fannie Mae in 1993, Mr. Bon Salle was Vice President at Hamilton, Carter, Smith & Company, Inc. He serves on the Board of Directors of MBA’s Opens Doors Foundation.

    Susan Stewart, 2019 MBA Vice Chairman, Chief Executive Officer, SWBC Mortgage

    Susan Stewart is Vice-Chairman of the Mortgage Bankers Association and CEO of SWBC Mortgage, a full service mortgage banking firm headquartered in San Antonio, Texas.  She currently serves as a member of MBA's Board of Directors, is the immediate past Vice-Chair of the MBA's Residential Board of Governors (RESBOG). Susan serves on the board of the MBA Opens Doors Foundation (ODF) and both Susan and SWBC Mortgage have been recognized as Guardian level donors of the organization. Susan currently serves on MBA's Consumer Affairs Advisory Council. She has previously served on MBA's Loan Production and Fraud Prevention Committees.

  • mPower Lunch: "Entrepreneuring" Your Life: Unleashing the Start-up Mentality at Work and at Home

    Location: Seacliff B,
    Bay Level


    Speaker(s)

    Jane Hyo-Sung Park, Former Chief Executive Officer and Founder, Julep Beauty

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

    Read more Read less

    Jane Hyo-Sung Park will share her key lessons learned from personal history of being an immigrant child who couldn't speak English through to building Julep, a multi-million dollar, venture-backed omni-channel beauty brand. Core startup concepts such as "AB testing," "minimally viable product," and transforming failures into lessons can help every woman achieve more sanity and success.

    Speaker(s)

    Jane Hyo-Sung Park, Former Chief Executive Officer and Founder, Julep Beauty

    Jane Park is the CEO and Founder of Julep Beauty, an omnichannel beauty brand distributed nationally at Ulta stores as well as on QVC and Nordstrom. A disruptor in the beauty space, Julep innovates rapidly by co-creating with its customers through social media and personalizing offerings to each subscriber. Ms. Park is a nationally recognized expert in ecommerce, consumer retail, and branding. Prior to founding Julep, Ms. Park was an executive at Starbucks in the New Ventures division, and worked at the Boston Consulting Group in the Retail and Consumer Goods practice group and the CEO Forum for Education and Technology with luminaires such as Steve Jobs (CEO Apple) and Eckhard Pfeiffer (CEO Compaq). The daughter of an orphan refugee from North Korea, Ms. Park inspires women with her personal narrative of growing from a timid, non-English speaking kindergartner in a new land to one of the few women entrepreneurs to raise over $50MM in venture capital financing from Silicon Valley.

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association

    Marcia M. Davies is Chief Operating Officer for the Mortgage Bankers Association (MBA). As COO, Marcia is responsible for ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities. She is also the lead strategist for MBA's external activities, providing leadership, guidance and overall management to the public affairs and marketing divisions. In addition, Marcia provides strategic direction and management of MBA's Conferences, Membership, Education, Information Technology and Office Services divisions. She also provides management oversight to and is a Board member of MBA's Opens Doors Foundation. Previously, Marcia worked at the U.S. Department of Housing and Urban Development (HUD), as Senior Advisor to the Assistant Secretary for Housing and Federal Housing Commissioner. She directed HUD's industry relations program to strengthen relationships, garner support, streamline communications and resolve policy and regulatory issues. Before joining HUD, Marcia spent 21 years at Freddie Mac, where she held a variety of officer positions in communications, customer outreach, marketing, servicer relations and policy. Marcia is the founder of mPower - MBA Promoting Opportunities for Women to Extend their Reach -- MBA's networking platform for women in the real estate finance industry. She is a member of the NAWRB Diversity and Inclusion Leadership Council (NDILC). Marcia is also a member of Women in Housing Finance and the International Women's Leadership Association. In 2015, she was honored by HousingWire as one of its 2015 Women of Influence.

  • Networking Lunch

    Location: Upper / Lower Atrium,
    Atrium Lobby Level

  • Business Operations Track: Does Your Brand Convey What You Think It Does?

    Location: Bayview,
    Bay Level


    Speaker(s)

    John P. Seroka, Principal and Brand Strategist, Seroka Brand Development

    Scott Harris, Chief Executive Officer, SocialSurvey

    Garth E. Graham, Senior Partner, STRATMOR GROUP

    Barbara Yolles, Chief Strategy Officer, The Money Source

    Read more Read less

    Whether you actively cultivate it or not, every company has a brand, and that brand conveys a message. Even if you do actively manage your brand, are you sure it connects with the audience you are targeting? Make sure that your brand is telling the story you want it to tell and conveying the message you need to get to your target audience.

    Speaker(s)

    John P. Seroka, Principal and Brand Strategist, Seroka Brand Development

    John Seroka is a Principal and Brand Strategist at Seroka Brand Development which provides brand development, marketing, public relations, social media and digital strategies to companies across the mortgage industry. He has spoken on the complexity of the new buyer path, managing your brand, latest trends in marketing and branding, and how consumers now learn and make buying decisions at CMBA and MBA events and industry webinars. He also serves as Chairman of the California MBA Mortgage Technology and Marketing Committee. He currently leads agency growth initiatives in the mortgage and fintech sectors.

    Scott Harris, Chief Executive Officer, SocialSurvey

    Scott Harris is CEO and Co-Founder of BuyersRoad Inc. and its SocialSurvey platform, a leading enterprise online reputation management solution.  Under his leadership, SocialSurvey has gathered nearly half a million reviews for its tens of thousands of users. Beginning in the mortgage lending space, SocialSurvey has expanded into the car rental, and insurance verticals.  Prior to founding SocialSurvey, Scott has created innovative technology solutions in the mortgage industry for the past 15 years. Scott’s high impact technology solutions include automated services for creating real estate listings, loan officer recruiting bots and automated tools for the loan closing process.  Additionally, Scott has held senior executive positions in both mortgage lending and real estate companies. He started his career as a Realtor and investor.

    Garth E. Graham, Senior Partner, STRATMOR GROUP

    Garth Graham heads STRATMOR Group’s sales marketing strategy and execution consulting, which focuses on lead generation and lead management methods and practices primarily for the Consumer Direct and Retail mortgage origination channels.  Garth has more than 25 years of experience in sales and marketing, ranging from Fortune 500 companies to successful startups, including management of two of the most successful e-commerce platforms.  A sought-after speaker, Garth has been quoted extensively in industry periodicals, resulting in more than 40 million press impressions over his career. He studied Economics and Computer Science at the University of Virginia and has completed Six Sigma Champion and Green Belt Training.

    Barbara Yolles, Chief Strategy Officer, The Money Source

    Barbara Yolles, Chief Strategy Officer of TMS, is a 25-year advertising agency veteran. She has architected the brand and growth strategy for TMS, relaunching and repositioning the brand in January this year with its Grow Happiness campaign. Prior to joining TMS last year, Yolles was the brains behind the brand and growth strategies for UWM, where she was instrumental in putting their brand on the map and 4x growth to the #1 wholesale lender in America. Yolles is known for her ability to disrupt category conventions and accelerate growth for the companies she has worked. Her career spans corporate marketing at McDonald’s where she was part of launching the Dollar Menu to global advertising agencies like McCann and Campbell Ewald.

  • Innovation and Strategy Track: Maintaining Liquidity in a Dry Climate

    Location: Grand Ballroom,
    Street Level


    Speaker(s)

    Seth D. Sprague, CMB, Executive Vice President, Trading & Analytics, PHOENIX

    Mark A. Jones, Chief Executive Officer and Co-Founder, AmeriFirst Home Mortgage

    Paul A. Chmielinski, Senior Vice President, Director of Relationship Management, TIAA Bank

    Read more Read less

    Examine the ways your company can maintain ample liquidity in an environment of compressed margins and low refinance volumes. For holders of MSRs, new strategies bring with them both benefits and risks. Learn from market experts who will shed light on successful practices and provide fresh thinking to help IMBs manage their liquidity needs.

    Speaker(s)

    Seth D. Sprague, CMB, Executive Vice President, Trading & Analytics, PHOENIX

    Seth D. Sprague CMB, EVP of Trading & Analytics, joined PHOENIX in 2013 after more than ten years with SunTrust Mortgage managing mortgage servicing rights (MSR) portfolio valuation process as well as their periodic MSR transactions. Seth’s primary responsibilities at PHOENIX include managing bulk and flow MSR transactions and offering strategic advice across PHOENIX’s250 plus clients. In 2017, Seth’s duties were expanded to include a more active role in the strategic leadership in PHOENIX Analytics with an emphasis on developing and providing strategic valuation solutions to meet the needs of clients. Seth has a total of over 25 years of mortgage banking and servicing valuation experience at a variety of firms including SunTrust Mortgage, Bank of America Mortgage, United Financial/Matrix Financial and KPMG LLP.  In 2018, Seth was selected as Secretary of the MBA’s Certified Mortgage Banker (CMB) Society and continues to serve on a number of committees with the Mortgage Bankers Association (MBA) including the Financial Management Steering Committee, MBA’s Servicing Council for the 21st Century, MBA’s BASEL III and the Servicing Compensation Working Group. Seth is a frequent speaker at various MBA and other industry conferences often speaking on liquidity and the overall challenges present in the mortgage industry. Seth has been an instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, teaching “Servicing/MSR Day” and also as an instructor for the MBA School of Mortgage Servicing.

    Mark A. Jones, Chief Executive Officer and Co-Founder, AmeriFirst Home Mortgage

    Mark A. Jones co-founded Kalamazoo-based AmeriFirst Home Mortgage in 1986. As CEO of the community mortgage banker, Mark and the leadership team at AmeriFirst have seen the company grow to serve over a dozen states through nearly 70 branches and nearly 700 employees.  Named one of the “Fastest Growing Private Companies in America” by Inc. Magazine for the past 7 years in a row, AmeriFirst is the #1 USDA rural housing lender in the state of Michigan, the #3 FHA lender in Michigan, and one of the 50 largest FHA lenders in America. AmeriFirst services the loans it originates in house, and currently manages a servicing portfolio of about 4 Billion.  Mark currently serves on the Board of Directors for the Mortgage Bankers Association and Southwest Michigan First. He is an active member of the Community Home Lenders Association and Michigan Mortgage Lenders Association. In 2016 Mark was named the Ernst & Young Entrepreneur of the Year for Michigan and Northwest Ohio.

    Paul A. Chmielinski, Senior Vice President, Director of Relationship Management, TIAA Bank

    Paul Chmielinski is the SVP, Director of Relationship Management TIAA Bank.  Prior to joining TIAA Bank, Mr. Chmielinski successfully built and led mortgage finance relationship teams at EverBank, MetLife, Santander, Bank of America and Fleet Bank. Mr. Chmielinski has 30 years of mortgage industry experience and has helped finance and grow hundreds of mortgage companies nationwide. Mr. Chmielinski is well regarded within the industry serving two terms as the National Chairman of the Risk Management Association’s Warehouse Lenders Roundtable, the premiere forum for Wall Street and Commercial Banks to address key industry risks and issues. Mr. Chmielinski has extensive experience in the financing of residential mortgages (including HECM Loans) as well as the financing of Mortgage Servicing Rights and Servicing Advances.

  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Business Operation and Compliance Track: Compliance in an Era of Decreasing Profit Margins and CFPB Uncertainty

    Location: Bayview,
    Bay Level


    Speaker(s)

    Mitchel H. Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Lisa Klika, Chief Compliance Officer and Senior Vice President, Guild Mortgage Company

    Read more Read less

    Evaluate your company’s compliance strategy in an era of tighter margins and decreased regulation by the Consumer Financial Protection Bureau (CFPB). Good compliance is good business, and this session will discuss the top compliance issues that you should prepare for in 2019.

    Speaker(s)

    Mitchel H. Kider, Chairman and Managing Partner, Weiner Brodsky Kider PC

    Mitchel H. Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. In his 36 years as a practicing attorney, Mitch has represented banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He represents clients in investigative and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Veterans Affairs, Department of Justice, Federal Trade Commission, Ginnie Mae, Fannie Mae, Freddie Mac, and various state and local regulatory authorities and Attorneys General offices. Mitch speaks frequently on regulatory and litigation matters before trade associations and other industry groups. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a Faculty Fellow of the Mortgage Bankers Association. Mitch is the author of six books pertaining to residential mortgage finance and also has written numerous law review and real estate journal articles on the subject. His most recent books are Consumer Protection and Mortgage Regulation Under Dodd-Frank (West/Thomson Reuters 2017) and Real Estate and Mortgage Banking: A New Era of Regulatory Reform (West/Thomson Reuters 2017-2018).

    Joshua Weinberg, Executive Vice President, Compliance, First Choice Loan Services, Inc.

    Joshua Weinberg is a nationally recognized speaker, author, consultant, and leader in mortgage lending; specializing in integrating compliance and technology. He is currently Executive Vice President of Compliance, and has lead compliance since 2009 at First Choice Loan Services Inc., a Berkshire Bank Company, America’s Most Exciting Bank® He works closely with Federal and State Regulators including the CFPB, FDIC, CSBS/AARMR, and the HUD/FHA and participates with many industry associations. He is the immediate past Chair of the Mortgage Bankers Association’s Regulatory Compliance Committee, a member of ABA’s Residential Markets Committee, was previously Vice Chairman of the Board of Directors for MISMO, and remains a member of the Registered Institutions Working Group for the NMLS, and an Advisory Board Member and Compliance Expert for Mortgage Compliance Magazine. Weinberg also consults privately for some of the top mortgage technology vendors in the country. Previously he worked for a major LOS vendor where he was in charge of Compliance, Government Loan programs and Reverse Mortgages. He has worked in retail banking environments and also worked independently as the owner of a mortgage broker company.

    Lisa Klika, Chief Compliance Officer and Senior Vice President, Guild Mortgage Company

    As chief compliance officer, Lisa Klika is responsible for Guild Mortgage’s risk management, compliance, quality assurance and legal functions.  Her responsibilities include managing state and federal regulatory agency filings, licensing, inquiries and audits, and analyzing regulatory changes and areas of risk to ensure Guild continues its commitment to customer service while advancing new compliance standards. She directs policy, operational and corresponding technology enhancements to meet multiple regulatory requirements, including the SAFE Act, RESPA reform and the Dodd Frank Act.  Ms. Klika joined Guild in 2003 as a compliance analyst. She held multiple positions with the company, including quality assurance analyst and quality assurance manager, before she was promoted to vice president in 2007. She was named senior vice president in 2013.  Ms. Klika has been active in the mortgage industry throughout her career. She was named to the Mortgage Bankers Association Future Leaders program in 2007 and to the California Mortgage Bankers Association Future Leaders program in 2009. She served on the MBA Residential Board of Governors Advisory Committee in 2010-11 and was chair of the MBA Regulatory Compliance Committee from 2010-13. She currently serves as the vice chair of the MBA State Legislative and Regulatory Committee.

  • Innovation and Strategy Track: On the Same Page: Aligning C-Suite Goals at All Levels of Your Organization

    Location: Seacliff,
    Bay Level


    Speaker(s)

    Mike McFadden, Group Head, Mortgage Division, Riivos

    Ali Vafai, President, The Money Source Inc.

    Peter C. Pannes, President, Covius Service

    Read more Read less

    Learn how to best implement financial and operations planning to produce a culture of accountability using metrics, empowering managers, and facilitating a feedback loop to better connect executives with the rest of your team. While most companies’ goals are set at the executive level, the rank-and-file usually execute them. Get tips to keep your team aligned toward the same goal.

    Speaker(s)

    Mike McFadden, Group Head, Mortgage Division, Riivos

    Mike McFadden is Group Head, Mortgage Division at Riivos, Inc., a provider of cloud-based value chain management applications for the mortgage industry. Previously, Mike was Chief of Staff and SVP of Finance of Stonegate Mortgage. While at Stonegate, Mike was instrumental in taking that firm public and later oversaw its sale to Home Point Financial. Mike has experience at each stage of growing a mortgage business—from the frontlines of running finance teams to the boardroom to public markets to mergers and acquisitions. He has a deep understanding of the concerns mortgage lenders face each day running a business in one of the country's most dynamic and volatile markets.

    Ali Vafai, President, The Money Source Inc.

    Ali Vafai is a tenured leader in the financial world who has led the company’s rapid growth into a top 15 Correspondent lender. Blazing a path in technological innovation across the mortgage lending and servicing industry, Ali was recognized by National Mortgage Professional as one of the Next 40 Mortgage Professionals to Watch, as well as named one of HousingWire’s Vanguard Winners. Prior to The Money Source, Ali was the President of Pacific Union Financial, as well as co-founder and President of Bay Equity. His expert insight has been featured in Scotsman Guide, Investopedia, CIO Insight, The Mortgage Reports, National Mortgage News, Realtor.com, and U.S. News & World Report.

    Peter C. Pannes, President, Covius Service

    Pete Pannes is President of Covius Services, a technology-enabled company that provides compliance, quality assurance and valuation solutions for residential and commercial real estate markets. Pete oversees Settlement Services, Document Services, Technology, Real Estate Services and Compliance business units.  Pannes has more than 20 years of experience in the mortgage and credit sectors, holding numerous leadership positions in sales and marketing. Before joining Covius, he was a founding member of NMI Holdings Inc. (NASDAQ: NMIH), a fast-growing mortgage insurance company, serving as chief sales officer and executive vice president. Before NMI, Pannes spent over 20 years at PMI Mortgage Insurance Co. operating in many sales roles, most notably senior vice president of Field Sales & National Accounts. With PMI, Pannes facilitated the launch of CMG Mortgage Insurance Company, which was jointly owned by PMI and CUNA Mutual and provided mortgage insurance to credit unions, additionally, serving on its board.

  • Refreshment Break in the Exhibit Area

    Location: Grand Ballroom Foyer & Market Street Foyer,
    Street Level

  • Business Operation and Compliance Track: Strategic Transformation and Superior Profitability

    Location: Bayview,
    Bay Level


    Speaker(s)

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    James M. Deitch, CMB, Co-Founder and Chief Executive Officer, Teraverde Financial

    Kelli Scott, Group Manager, Services & Support, Blend

    A.W. Pickel, III, President and Chief Executive Officer, Waterstone Mortgage Corporation

    Read more Read less

    Experienced mortgage bankers share their actionable take-aways on how successful executives are strategically transforming their businesses in the area of margin management, product expansion, cost to produce and channel enhancements. The session summarizes the findings of Jim Deitch’s best-selling new book, “Strategically Transforming the Mortgage Banking Business,” the proceeds of which benefit the MBA Opens Doors Foundation.

    Speaker(s)

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

    Eddy Perez is the co-founder of Equity Prime Mortgage LLC. Perez is a seasoned professional with experience holding multiple executive level positions. He has personally closed over 3,000 loans since entering into the mortgage business. As President of Equity Prime Mortgage, his responsibilities include overseeing sales, EPM’s growing diversity initiative, capital markets, finance and marketing.

    James M. Deitch, CMB, Co-Founder and Chief Executive Officer, Teraverde Financial

    James M. Deitch, CMB is an entrepreneur, having founded two national banks, several mortgage banking ventures, and four technology-oriented companies. He currently serves as co-founder and CEO of Teraverde group of companies. Teraverde is a professional advisor to financial services companies. Teraverde helps banks and mortgage bankers achieve greater profitability, streamlined operations and process improvement while staying fully compliant with regulatory requirements. Prior to Teraverde, Deitch was co-founder, Chairman and CEO of American Home Bank N.A. Under Deitch’s leadership, American Home Bank has been cited as one of the fastest growing companies in the United States by INC. Magazine. The Bank was named one of the top 50 residential lenders in the United States by SourceMedia, publisher of American Banker. American Home Bank was ultimately acquired by BBT. Jim is a frequent author for industry publications. Most recently, he authored “Digitally Transforming the Mortgage Banking Industry”, which was a #1 best selling new release in its category.

    Kelli Scott, Group Manager, Services & Support, Blend

    Kelli Scott brings over 15 years of passion and experience building high performance customer success teams throughout that deliver results. Before joining Blend, Kelli was vice president of global customer success at ClearSlide, where she owned end-to-end customer engagement, adoption and growth. While at ClearSlide, Kellie worked to evolve the inter-departmental policies within sales, services, finance, legal and operations.  Prior to ClearSlide, Kelli was global vice president of services and support at Marin Software, which supported customers working to solve complex digital marketing integrations, challenges and business objectives. She also led the Diversity in Leadership council, and carries she carried this concept forward at ClearSlide. During her tenure at Marin Software, Kelli was instrumental in the successful efforts of the 2013 IPO and the acquisition of two companies.  Before joining Marin Software, Kelli oversaw strategic professional services at Coremetrics (IBM) where she created many service offerings that are still utilized by Coremetrics (IBM) customers.

    A.W. Pickel, III, President and Chief Executive Officer, Waterstone Mortgage Corporation

    Waterstone Mortgage Corporation President & CEO A.W. Pickel III has more than 30 years of experience in the mortgage lending and real estate finance industries. His expertise includes the recruitment, training, and management of origination teams around the nation. As President of Waterstone Mortgage, he plays a pivotal role in the overall growth and direction of the organization. In 1992, he founded LeaderOne Financial Corporation as a local mortgage brokerage, growing the company into a full-service mortgage bank – with approximately $1.6 billion in annual loan volume – before selling it in 2016. In addition, Pickel is a widely renowned speaker and writer, specializing in housing and finance topics. He has been quoted in a variety of renowned publications, such as the Associated Press, the Wall Street Journal, the New York Times, USA Today, U.S. News & World Report, and the Washington Post.

  • Innovation and Strategy Track: Opportunities Hiding in Plain Sight: Underserved Markets and Non-QM Borrowers

    Location: Seacliff,
    Bay Level


    Speaker(s)

    Jason Madiedo, Chief Executive Officer and President, Alterra Group, LLC

    Steven Schwalb, Managing Partner, Angel Oak Home Loans, LLC

    Ben Wu, Executive Director, LoanScorecard

    Matthew J. Tomiak, Managing Director, Structured Finance, Redwood Trust, Inc.

    Bill Lowman, President and Chief Executive Officer, American Pacific Mortgage Corporation

    Read more Read less

    In an era of tightening margins, volume is key. Walk away from this session with ideas of how to expand your customer base by reaching new markets. Opportunities abound, but will require lenders to think broadly about their marketing efforts, product offerings, or both. This session will provide valuable tips on how to find nuggets of volume in a crowded marketplace.

    Speaker(s)

    Jason Madiedo, Chief Executive Officer and President, Alterra Group, LLC

    Jason Madiedo is the President and CEO of Alterra Group, LLC., a minority-owned top U.S. mortgage bank, and the second-largest Hispanic-owned mortgage company in the country, with loan coverage in 30 U.S. states. Alterra strives to represent the underserved in the mortgage industry, specifically serving the Hispanic community to help build wealth through home ownership. Alterra was voted by Mortgage Tech Magazine as one of the Top Tech Savvy Companies along with one of the fastest growing by Hispanic Business Magazine.  Jason is the perfect combination of compassionate leader and results-driven executive that understand that his people are the company’s number one asset. He began his career in the Mortgage industry over 20 years ago as a Loan Originator and later, co-founded a multi-state mortgage banking firm that included real estate sales and escrow divisions. He held several positions there, from Loan Originator, Manager, Underwriter, Secondary and Vice President.  He is very passionate about assisting underserved market consumers who have worked hard to achieve the American Dream. He has served as national president for the National Association for Hispanic Real Estate Professionals (NAHREP) – Nevada.

    Steven Schwalb, Managing Partner, Angel Oak Home Loans, LLC

    Steven is the Managing Partner of Angel Oak’s lending entities (AOHL, AOMS, AOPB). His responsibilities include the development of Angel Oak’s lending and servicing strategic plan, oversight of the origination and servicing platforms, and executing growth opportunities in agency approvals, servicing and securitization.
    Steven co-founded Angel Oak Mortgage Solutions, a non-agency wholesale and correspondent mortgage lender, Angel Oak Home Loans, a residential agency and non-agency retail lender, and Angel Oak Prime Bridge, a commercial lender providing financing solutions for both residential real estate investors and commercial properties. Under his leadership, Angel Oak Lending has broadened its product mix and now originates over $3.5 billion of loans annually.  Steven has more than 25 years of experience in residential lending. Prior to joining Angel Oak, he was the Senior Vice President of Capital Markets at SouthStar Funding, a national wholesale mortgage lender specializing in non-agency mortgage products. His primary responsibilities included product development, risk management, operations and investor relations

    Ben Wu, Executive Director, LoanScorecard

    Ben Wu has more than 20 years of mortgage industry experience and serves as Executive Director of LoanScorecard, a leading partner for banks and investors seeking fair lending and loan-loss reserve technology solutions. Wu brought to market the first automated QM assessment tool, making LoanScorecard top-of-mind for automated underwriting for portfolio loans. He diligently works alongside clients, addressing concerns and opportunities related to automated underwriting, loan pricing, credit risk models, and portfolio management.

    Matthew J. Tomiak, Managing Director, Structured Finance, Redwood Trust, Inc.

    Matthew J. Tomiak joined Redwood in February 2014 and is currently the Managing Director of Structured Finance. Prior to joining Redwood, Mr. Tomiak was a Senior Vice President at Bank of America where he focused on mortgage liquidity and financing alternatives. Previously, Mr. Tomiak was a founding member of 12th Street Capital, LLC, a broker dealer which eventually became a division of GFI Group Inc. Mr. Tomiak began his career as an attorney at Sidley Austin Brown & Wood.

    Bill Lowman, President and Chief Executive Officer, American Pacific Mortgage Corporation

    Bill began his career with American Pacific Mortgage (APM) in 2002, has served as President since 2004, and was appointed to the position of President & Chief Executive Officer in 2016. As President & CEO, Bill leverages over thirty years in the mortgage industry to better serve the customers and employees of the APM family. Bill is an active member of both the Mortgage Bankers Association and the California Mortgage Bankers Association. He is a member of the MBA’s Residential Board of Governors, serves as Co-Chairman of the Independent Mortgage Bankers Executive Council and is the CMBA’s President of Residential. He served as Chairman of the Western Secondary Conference in 2016 and 2017. Bill also sits on the Board of APMCares, which is a charitable entity that provides financial assistance to our APM families in times of need and community outreach programs focused on delivering housing opportunities and homeownership in America.

  • Read more Read less

    This block of time in left open for you to schedule your own meetings without missing conference sessions.

  • Best of the Bay Party

    Location: Upper / Lower Atrium & Waterfront CDE,
    Atrium Lobby Level

    Read more Read less

    The IMB conference party is an annual tradition. This year, join us as we bring the best of San Francisco to you. Enjoy a culinary tour, artisan beverages and music while "visiting" famous attractions like the Mission District, Napa Valley, Ghiradelli Square and more.

Thursday, January 31, 2019

  • Continental Breakfast

    Location: Seacliff Foyer,
    Bay Level

  • Registration

    Location: Seacliff Foyer,
    Bay Level

  • Closing Session: IMB Liquidity Roundtable (IMBs Only - Closed to Media)

    Location: Seacliff,
    Bay Level


    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Marina B. Walsh, Vice President, Industry Analysis Research and Economics, Mortgage Bankers Association

    Terry L. Schmidt, CMB, Executive Vice President and Chief Financial Officer and Principal, Guild Mortgage Company

    Seth D. Sprague, CMB, Executive Vice President, Trading & Analytics, PHOENIX

    Ken Logan, CMB, Managing Director, WareHouse Lending and Head of Wells Fargo's Mortgage Bankers Finance Group, Wells Fargo Home Mortgage

    Kirstin McMullen, CFO, The Money Source Inc.

    Read more Read less

    Join us for a facilitated peer discussion focused on how to manage your company’s liquidity as market conditions change. This interactive discussion, including live audience polling, will focus on liquidity and balance sheet management issues in the current environment and in future scenarios, risk mitigants and market opportunities, and communication strategies with your key partners (internal stakeholders, investors, warehouse lenders, regulators, GSEs, and more). Be among your peers who are in the same boat as you, adjusting to the realities of increased scrutiny and expectations.

    In order to attend, you must be:
    • A mortgage company executive (manager or above) with an independent mortgage company
    • With an MBA member company whose dues are based on production volume and/or servicing portfolio volume
    • Registered for the IMB Conference

    Speaker(s)

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corporation

    Bill Cosgrove, served as the 2015 Chairman of the Mortgage Bankers Association. Bill Cosgrove is the Owner and CEO of Union Home Mortgage Corp. headquartered in Strongsville, Ohio in the Greater Cleveland area. His mortgage banking career began in 1986 as a residential loan officer. In 1994 Mr. Cosgrove joined Union National Mortgage Co. and in 1998 was named President. Mr. Cosgrove purchased and became 100% stockholder of the company in 1999. In 2010.The name of the company was changed to Union Home Mortgage Corp. In 2007 Bill served as president of the Ohio MBA and in 2015 was the Chairman of the national Mortgage Bankers Association, becoming the first person from Ohio to serve the industry in both capacities. Previously, he served as chairman of MBA’s MORPAC Committee, MBA Board of Governors, and been a long-time member of the MBA Board of Directors. Awards include the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association, The National Mortgage Bankers Associations Burton C. Wood, National Legislative Service Award and the prestigious Andrew Woodward Distinguished Service Award, the highest honor bestowed on an individual member of MBA. Mr. Cosgrove has testified on behalf of the industry before Congress, House Financial Services and Senate Banking Committees and the Ohio House of Representatives. He has been interviewed by national publications, The Wall Street Journal, New York Times, USA Today, numerous trade publications, national and local news networks.

    Marina B. Walsh, Vice President, Industry Analysis Research and Economics, Mortgage Bankers Association

    Marina Walsh is vice president of industry analysis in MBA's research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to twenty years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the Quarterly National Delinquency Survey. In addition, Walsh conducts specialty workshops, symposiums and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for several conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Introductory and Advanced Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences. Walsh was named to HousingWire's "2016 Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ.

    Terry L. Schmidt, CMB, Executive Vice President and Chief Financial Officer and Principal, Guild Mortgage Company

    Terry Schmidt is an Executive Vice President, Chief Financial Officer and Principal at Guild Mortgage Company. Ms. Schmidt joined the company in 1985. She is responsible for the financial reporting, budgeting, cash management, warehouse lending and human resource functions. Ms. Schmidt also evaluates potential acquisition candidates, including transaction structures, and integration team management. Over the years she has performed system innovations and conversions related to her areas of responsibility as well as developing value added branch and company metrics, and designing a proprietary MSR valuation and impairment model. Ms. Schmidt has also served on the Board of Directors for Guild since 1996.  Ms. Schmidt also established The Guild Giving Foundation. The charity was formed to encourage employee volunteerism, support financial literacy and provide shelter for those in need.

    Seth D. Sprague, CMB, Executive Vice President, Trading & Analytics, PHOENIX

    Seth D. Sprague CMB, EVP of Trading & Analytics, joined PHOENIX in 2013 after more than ten years with SunTrust Mortgage managing mortgage servicing rights (MSR) portfolio valuation process as well as their periodic MSR transactions. Seth’s primary responsibilities at PHOENIX include managing bulk and flow MSR transactions and offering strategic advice across PHOENIX’s250 plus clients. In 2017, Seth’s duties were expanded to include a more active role in the strategic leadership in PHOENIX Analytics with an emphasis on developing and providing strategic valuation solutions to meet the needs of clients. Seth has a total of over 25 years of mortgage banking and servicing valuation experience at a variety of firms including SunTrust Mortgage, Bank of America Mortgage, United Financial/Matrix Financial and KPMG LLP.  In 2018, Seth was selected as Secretary of the MBA’s Certified Mortgage Banker (CMB) Society and continues to serve on a number of committees with the Mortgage Bankers Association (MBA) including the Financial Management Steering Committee, MBA’s Servicing Council for the 21st Century, MBA’s BASEL III and the Servicing Compensation Working Group. Seth is a frequent speaker at various MBA and other industry conferences often speaking on liquidity and the overall challenges present in the mortgage industry. Seth has been an instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, teaching “Servicing/MSR Day” and also as an instructor for the MBA School of Mortgage Servicing.

    Ken Logan, CMB, Managing Director, WareHouse Lending and Head of Wells Fargo's Mortgage Bankers Finance Group, Wells Fargo Home Mortgage

    Mr. Logan served as Managing Director of Warehouse Lending and Head of Wells Fargo’s Mortgage Banker Finance Group since 2007 and his role has been expanded to include the strategic direction of the broader Mortgage Finance Group. This group focuses on providing warehouse lines and structured lending facilities backed by various forms of residential mortgage assets to mortgage bankers and investors nationally.  Mr. Logan has over 30 years of experience in many facets of the banking, mortgage and investment banking industries. Over his career, Mr. Logan has held President/Founder positions for four warehouse lending and correspondent businesses, President/CEO of a national outsourcing and consulting practice, co-owner of a regional mortgage banking company, provided M&A advisory and expert witness resources on mortgage fraud and lending practices on civil matters and federal criminal cases.

    Kirstin McMullen, CFO, The Money Source Inc.

    As chief financial officer with The Money Source, Kirstin McMullen brings more than 25 years of financial management experience to the company. McMullen is an expert in financial planning and monitoring, ensuring the financial health of The Money Source as it continues to grow. Prior to this position, McMullen was CFO at Computershare Loan Services. Her lengthy financial background includes experience in raising debt and equi-ty, M&A transactions, financial modeling and budgeting, overseeing production of audited financial statements, corporate governance and compliance reporting.