• Home
  • Advocacy and Policy
    • MBA Advocacy
      • MORPAC
      • Mortgage Action Alliance (MAA)
      • National Advocacy Conference
    • Residential Policy Issues
      • CFPB Consumer Laws and Regulations
        • CFPB 2.0
        • ATR/QM Issues
        • KBYO/TRID Issues
        • HMDA Issues
        • LO Compensation Rule Issues
        • CFPB Servicing Issues
        • The Future of the CFPB
        • Serving Borrowers in Other Languages (LEP)
      • Federal Banking Laws and Regulations
        • Community Reinvestment Act (CRA)
        • Regulatory Capital
        • Reference Rate Reform (LIBOR)
      • Government Housing Finance Programs
        • FHA Policies and Programs
        • Community Reinvestment Act (CRA)
        • Property Assessed Clean Energy (PACE) Lending
        • VA Policies and Programs
        • RHS Policies and Programs
        • Serving Borrowers in Other Languages (LEP)
        • Servicing Government Loans
      • Key Litigation Issues
        • CFPB 2.0
        • Telephone Consumer Protection Act (TCPA) Issues
        • Home Owner (Condo) Association Super Lien Priority Issues
      • Mortgage Servicing
        • CFPB Servicing Issues
        • TCPA Issues
        • Post-HAMP Modifications
        • HOA Super Lien Priority Issues
        • Servicing Government Loans
        • Serving Borrowers in Other Languages (LEP)
        • Regulatory Capital
        • Default Law Firm Oversight
        • Reference Rate Reform (LIBOR)
      • Secondary and Capital Markets Issues
        • Reference Rate Reform (LIBOR)
        • Fannie/Freddie Policies and Programs
        • GSE Reform
        • Ginnie Mae Policies and Programs
        • FHLB Policies and Programs
        • Private-Label Securities Market
      • State and Local Issues
        • State Legislative and Regulatory Resource Center
        • Remote Online Notarization
        • Property Assessed Clean Energy (PACE) Lending
        • Streamlining State Advertising Disclosures
        • State Community Reinvestment Act (CRA) Reqirements for Independent Mortgage Banks
        • Home Owner (Condo) Association Super Lien Priority Issues
        • Licensing & NMLS Issues
        • Data Security & Privacy Laws
        • Licensing Flexibility
      • Taxation and Accounting
        • Tax Issues
        • FASB Issues
      • Flood Insurance and Disaster Issues
        • Disaster Recovery
        • Disaster Recovery Policies
        • Flood Insurance Issues
      • Financial Innovation Policy
        • Remote Online Notarization
        • Data Security & Privacy Laws
    • CMF Policy Issues
      • CREF Ecosystem
        • Tax Policy
        • LIHTC
        • Role of Mortgage Bankers
        • TRIA
        • Flood Insurance
        • CECL
        • LIBOR
        • State Law Issues
        • Disaster Planning and Recovery
      • CRE Portfolio Lending
        • Life Insurance Company Risk Based Capital
        • Life Companies as Capital Sources
        • HVCRE
        • Basel III
      • Multifamily Rental Housing
        • GSE Multifamily Policy
        • FHA Multifamily & Healthcare Programs
        • Davis Bacon
        • LIHTC
      • CRE Capital Markets
        • Risk Retention
        • Volcker Rule
        • Basel III
      • CREF Regulatory Clarity and Compliance
        • HMDA
        • State Law Issues
        • Flood Insurance Reauthorization
        • State Licensing Resource
        • Consumer Laws and Commercial and Multifamily Lending
      • Technology and CREF
      • Climate and ESG
      • CREF State Legislative Roundup Map
      • CREF Eviction Moratoriums by State Map
    • CONVERGENCE
      • Meet the Affordable Housing Team
      • CONVERGENCE COVID-19 Resources
      • CONVERGENCE Memphis
        • CONVERGENCE Memphis Steering Committee
        • CONVERGENCE Memphis Events and Resources
        • CONVERGENCE Memphis COVID-19 Resources
        • Memphis Virtual Homebuyer Fair
        • CONVERGENCE Memphis Homebuyer Fair Resources
        • Memphis Industry Practitioner Toolkit
      • CONVERGENCE Columbus
        • CONVERGENCE Columbus Steering Committee
    • State and Local Advocacy Resource Center
    • GSE Reform
    • CFPB 2.0: Advancing Consumer Protection
    • All Letters & Testimony
  • News, Research & Resources
    • Newsroom
      • All Press Releases
      • MBA NewsLink Publications Group
        • MBA NewsLink Policies
      • Advertising with MBA
      • All News List Residential
      • All News List Commercial/Multifamily
    • Research and Economics
      • Forecasts and Commentary
        • Economic Commentary Archives
        • Mortgage Finance Forecast Archives
        • Economic Forecast Archives
      • Chart of the Week
        • Chart of the Week Archive
      • Single-Family Research
        • Weekly Applications Survey
          • Research and Economics: All News about MBA's Weekly Applications Survey
        • State-Level Application Data
        • Mortgage Bankers Performance Reports - Quarterly and Annual
          • Mortgage Bankers Performance Reports - Quarterly and Annual
        • MBA Stratmor Peer Group Roundtables
          • PGR Homepage
          • Program Benefits
          • Participate in PGR
          • Meet Our Team
          • PGR Timeline
          • FAQs
          • Participant Login
        • MBA Residential Originations Databook and Reports
        • Mortgage Credit Availability Index
          • Research and Economics: All News about MBA's Mortgage Credit Availability Index
        • National Delinquency Survey
          • Research and Economics : All News about MBA's National Delinquency Survey
        • Builder Application Survey
          • Research and Economics: All News about MBA's Builder Applications Survey
        • State Mortgage Market Profile
          • State Mortgage Market Profile FAQs
          • State Mortgage Market Profile Definition of Terms
        • Research Insights Quarterly
        • Residential Compensation Survey Program
        • Servicing Operations Study and Forum for Prime and Specialty Servicers
        • Technology Profile Surveys
        • Single-Family Research for MBA Members Only
        • Home Equity Lending Study
        • Warehouse Lending Survey
        • Forbearance and Call Volume Survey
          • Research and Economics: All News about MBA's Forbearance and Call Volume Survey
      • Commercial/ Multifamily Research
        • CREF Outlook Survey
        • Commercial/Multifamily Quarterly DataBook
        • Commercial/Multifamily Real Estate Finance Database
        • Peer Business Roundtables
        • Mortgage Banking Commercial/Multifamily Compensation Survey Program
        • Annual Originations Rankings
        • Annual Origination Volume Summation
        • Annual Report on Multifamily Lending
        • Quarterly Commercial/Multifamily Mortgage Bankers Originations Index
        • Commercial/Multifamily Mortgage Servicing
        • Commercial/Multifamily Mortgage Delinquency Rates
        • Commercial/Multifamily Mortgage Debt Outstanding
        • Commercial/Multifamily Loan Maturity Volumes
        • CREF Forecasts
      • Commercial Real Estate Finance (CREF) Careers
        • CREF Careers Videos
        • CREF Careers Panels
      • Research Institute for Housing America
        • RIHA Home
        • About RIHA
        • Published Reports
      • How to Participate
    • Compliance Resources
      • TRID Resources
      • Standardized Default Law Firm Audit Criteria
    • Technology Resource Center
      • Technology News
      • Get Involved in Industry Technology
      • MISMO
      • Related Education
      • Cybersecurity
      • Remote Online Notarization
      • Vendor Marketplace
    • Diversity, Equity and Inclusion
      • Diversity, Equity and Inclusion: View All News
      • Diversity, Equity and Inclusion Initiative & Advisory Committee
      • Path to Diversity Scholarship
      • How Do I DEI?
      • DEI Leadership Awards
        • MBA Residential Diversity and Inclusion Leadership Award Form
        • MBA Commercial/Multifamily Diversity and Inclusion Leadership Award Form
      • Section 342 Guide
      • Industry Careers
      • mPower
      • mPact
      • Diversity, Equity and Inclusion: View All Upcoming DEI Events
      • Voices Courageous Conversations with Women of Color
    • Vendor Marketplace
    • Member Benefits
    • Residential Mortgage Resources
    • CREF Resources
    • Industry Careers
      • Careers in Residential Mortgage Banking
        • Tools to Promote Careers in Mortgage Banking
      • CREF Careers
      • Take a FREE Class
      • Attend a Virtual Career Fair
      • Find a Job
      • Post a Job
    • Blog and Social Media
    • Disaster Recovery
      • Disaster Recovery: A Resource for Homeowners
      • Contact Your Mortgage Servicer
      • Hurricane Relief: Industry Resources
    • MBA Coronavirus (COVID-19) Resources
      • Commercial/Multifamily Resources
        • Webinar Recordings
        • CMF Policy Related Updates
        • Commercial Multifamily Intelligence Blog
        • MBA Member Benefits on COVID-19
        • COVID-19 Policy Communities (x263249)
      • Nationwide Use of Remote Online Notarization (RON)
      • COVID-19 Policy Communities
      • Consumer Advertising Resources
        • Consumer Advertising Resources - Members Only
  • Conferences & Education
    • Conferences and Meetings
      • Information for Exhibitors
      • Speaking Opportunities
      • Information for Sponsors
      • Past Conferences
      • Presentations from Past Conferences and Meetings
      • MBA Events App
      • Accreditation
    • MBA Education
      • Complimentary Education
      • Browse MBA Education
        • Commercial/Multifamily Education
          • General
            • Commercial/Multifamily General/Overview: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily General/Overview: View All Certificates and Designations
            • Commercial/Multifamily General/Overview: View All Self-Study Courses
            • Commercial/Multifamily General/Overview: View All Webinar Recordings
          • Underwriting and Appraisal
            • Commercial/Multifamily Underwriting and Appraisal: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily Underwriting and Appraisal: View All Certificates and Designations
            • Commercial/Multifamily Underwriting and Appraisal: View All Self-Study Courses
            • Commercial/Multifamily Underwriting and Appraisal: View All Webinar Recordings
          • Closing and Loan Documentation
            • Commercial/Multifamily Closing and Loan Documentation: View All Webinar Recordings
            • Commercial/Multifamily Closing and Loan Documentation: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily Closing and Loan Documentation: View All Certificates and Designations
            • Commercial/Multifamily Closing and Loan Documentation: View All Self-Study Courses
          • Servicing
            • Commercial/Multifamily Servicing: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily Servicing: View All Certificates and Designations
            • Commercial/Multifamily Servicing: View All Self-Study Courses
            • Commercial/Multifamily Servicing: View All Webinar Recordings
          • Capital Markets
            • Commercial/Multifamily Capital Markets: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily Capital Markets: View All Certificates and Designations
            • Commercial/Multifamily Capital Markets: View All Self-Study Courses
            • Commercial/Multifamily Capital Markets: View All Webinar Recordings
          • Management/Leadership
            • Commercial/Multifamily Management and Leadership: View All Webinar Recordings
            • Commercial/Multifamily Management and Leadership: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Commercial/Multifamily Management and Leadership: View All Certificates and Designations
            • Commercial/Multifamily Management and Leadership: View All Self-Study Courses
          • All CMF Education
            • All CMF Classroom
            • All CMF IGOL
            • All CMF Self-Study
            • All CMF LIVE Webinars
            • All CMF Recorded Webinars
        • Single-Family Residential Education
          • General/Overview
            • Single Family General/Overview: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family General/Overview: View All Certificates and Designations
            • Single Family General/Overview: View All Self-Study Courses
            • Single Family General/Overview: View All Webinar Recordings
          • Loan Administration
            • Single Family Loan Administration: View All Certificates and Designations
            • Single Family Loan Administration : Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Loan Administration : Upcoming Classroom Courses
            • Single Family Loan Administration : View All Cash Management Self-Study Courses
            • Single Family Loan Administration: View All Webinar Recordings and Packages
            • Single Family Loan Administration : View All Escrow Administration Self-Study Courses
            • Single Family Loan Administration : View All Customer Relations Self-Study Courses
            • Single Family Loan Administration : View All Default Administration Self-Study Courses
            • Single Family Loan Administration : View All Financial Management Self-Study Courses
            • Single Family Loan Administration : View All Investor Reporting Self-Study Courses
            • Single Family Loan Administration : View All Specialty Servicing Self-Study Courses
            • Single Family Loan Administration : View All Payoffs, Lien Release, Assumptions Self-Study Courses
            • Single Family Loan Administration: View All Servicing Transfer Self-Study Courses
          • Loan Production
            • Single Family Loan Production : View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Loan Production : View All Designation and Certification Programs
            • Single Family Loan Production : View All Origination Self-Study Courses
            • Single Family Loan Production: View All Underwriting Self Study Courses
            • Single Family Loan Production : View All Processing Self-Study Courses
            • Single Family Loan Production: View All Closing Self-Study Courses
            • Single Family Loan Production: View All Webinar Recordings
          • Regulatory Compliance Audits and Law
            • Regulatory Compliance Audits and Law: View All Upcoming Education
            • Regulatory Compliance Audits and Law: View All Certificates and Designations
            • Regulatory Compliance Audits and Law: View All Self-Study Courses
            • Regulatory Compliance Audits and Law: View All Webinar Recordings
            • Regulatory Compliance Audits and Law: View All Compliance Essentials Resource Guides
          • Financial Management and Strategy
            • Single Family Financial Management and Strategy: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Financial Management and Strategy: View All Certificates and Designations
            • Single Family Financial Management and Strategy: View All Self-Study Courses
            • Single Family Financial Management and Strategy: View All Webinar Recordings
          • Secondary and Capital Markets
            • Single Family Secondary and Capital Markets: View All Certificates and Designations
            • Single Family Secondary and Capital Markets: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Secondary and Capital Markets: View All Webinar Recordings and Packages
            • Single Family Secondary and Capital Markets: View All Self-Study Courses
          • Management and Leadership
            • Single Family Management and Leadership: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Management and Leadership: View All Certificates and Designations
            • Single Family Management and Leadership: View All Self-Study Courses
            • Single Family Management and Leadership: View All Webinar Recordings
          • Technology
            • Single Family Technology: View All Upcoming Classroom Courses, Instructor-Guided Online Courses and Webinars
            • Single Family Technology: View All Certificates and Designations
            • Single Family Technology: View All Self-Study Courses
            • Single Family Technology: View All Webinar Recordings
          • All Residential Education
            • All Residential Classroom
            • All Residential Recorded Webinars
            • All Residential IGOL
            • All Residential LIVE Webinars
            • All Residential Self-Study
        • Publications and Guides
          • Products By Format: View all Publications and Guides
        • Classroom and Fly-in Courses
          • Products By Format: View All Classroom and Fly-in Courses
        • Webinars and Webinar Recordings
          • Products By Format: View all Webinar Recordings and Packages
          • Products By Format: View all Live Webinars
          • Webinar Recordings
        • Instructor-Guided Online Courses
          • Products By Format: View all Instructor-Guided Online Courses
        • Self-Study Web-Based Courses
          • Products By Format: View All Self-Study Web-Based Courses
        • Online Offerings
      • Core Courses
        • CRE Basics
        • FHA Multifamily Underwriter Training
          • FHA Affordable/221(d)(4) Training Program
            • Fha Affordable/221(d)(4) Training Program Application
        • Introduction to Mortgage Banking
        • School of Loan Origination
        • School of Mortgage Banking
          • SOMB I
            • All Upcoming SOMB I Courses
          • SOMB II
            • All Upcoming SOMB II Courses
          • SOMB III
            • All Upcoming SOMB III Courses
          • SOMB Calendar
          • Multifamily SOMB
          • Willis Bryant Award
            • Willis Bryant Award - 2011-Present
            • Willis Bryant Award - 2001-2010
            • Willis Bryant Award - 1991-2000
            • Willis Bryant Award - 1981-1990
            • Willis Bryant Award - 1971-1980
            • Willis Bryant Award - 1966-1970
        • School of Mortgage Servicing
        • School of Multifamily Mortgage Banking
        • School of Multifamily Property Inspections
      • Certificates and Designations
        • Accredited Mortgage Professional (AMP)
        • Certified Mortgage Banker
          • Residential CMB
            • Residential Certified Mortgage Banker (CMB) Prep Course
          • Executive CMB
          • All CMBs and Leadership
          • CMB Point Calculator
        • Chartered Realty Investor (CRI) Designation
          • CRI Company List
          • CRI Charter Designation (Level II)
          • CRI Associate Designation (Level I)
        • Commercial Certified Mortgage Servicer Designation Program
          • Commercial Servicing Certificate Program
          • CCMS Prep Course
          • CCMS Who's Who
          • CCMS Points
        • Residential Certified Mortgage Servicer (RCMS) Designation
        • Residential Underwriting Certificate and Designation Program
      • Corporate Training
        • Education Advantage
      • MBA Compliance Essentials
        • MBA Compliance Essentials Resource Guides
          • Successor In Interest - State Level Reports
        • Mortgage Compliance Professional Certificate and Designation Program
          • CMCP Curriculum Advisory Council
      • Future Leaders
        • Commercial/Multifamily Future Leaders
          • Commercial/Multifamily Future Leaders Program Graduates
      • Access My Courses
      • Path to Diversity Scholarship
      • How to Order/Register
      • About MBA Education
        • MBA Education Policies
      • Upcoming Education
        • Upcoming Commercial/Multifamily Education
        • Upcoming Residential Education
    • All Upcoming Events
    • All Upcoming Webinars
  • Get Involved
    • Join MBA
      • Regular Membership
        • Residential or Combined Regular Membership Application
        • Commercial/Multifamily Regular Membership Application
      • Associate Membership
        • Associate Membership Application
      • Other Membership Categories
        • Non-Profit Membership Application
      • Newest MBA Members
      • All MBA Members
    • Take Action with MAA
      • Join MAA
      • Take Action
      • MAA Resources
      • Candidate Look Up
      • Supported Bills
      • Grasstops Advocates
      • Find Elected Officials
      • Download the MAA App
    • Serve on an MBA Committee or Council
      • COMBOG DE&I Council
      • COMBOG Capital Council
      • COMBOG Multifamily Council
      • COMBOG Servicer Council
      • Life Company Senior Executives Roundtable
      • Senior Bank Executive Roundtable
      • Independent Mortgage Bankers Committee
      • Low-Income Housing Tax Credit (LIHTC) Committee
      • FHA Multifamily Committee
      • Certified Commercial Mortgage Servicing (CCMS) Designee Committee
      • Insurance Stakeholder Roundtable
      • Attorney Roundtable
      • Small Servicers Roundtable
      • Asset Managers Peer Group
      • Servicing Operations Roundtable
      • FHA Servicers Subcommittee
      • Closers Roundtable
      • Invitation-Only COMBOG Councils
    • Stay Connected
      • MBA Video Main Page
        • MBA Now
          • MBANow: New MBA Opens Doors President Deborah Dubois
          • MBANow: William Kooper on Remote Online Notarization
          • MBANow: MBA Chairman on Need for Improved Policing of VA Loan ‘Churning’
          • mPower with MBA's Marcia Davies and NAMMBA's Tony Thompson
          • mPower Moment with Jean Bradley & Marcia Davies
          • Mortgage Market Update- March 22, 2018
          • MBA Washington Report- Tuesday, March 27, 2018
          • Mortgage Market Update- March 28, 2018
          • Mortgage Market Update- April 4, 2018
          • MBA Washington Report- Tuesday April 3, 2018
          • MBANow: Marina Walsh on Q4 2017 Performance Report
          • MBANow: JPMorgan Chase's Kyung Cho-Miller on the value of the CMCP
          • MBANow: BOK Financial Mortgage’s Krissy Hefton on P2D Scholarships & Future Leaders Program
        • CEO Spotlight
        • MBA Eye on Washington
        • mPower Moments
        • MBA Research Minute
        • CREF Corner
      • Digital Badge Program by Credly
    • MBA's Political Action Committee
      • MORPAC Supporters
      • MORPAC Speaker Series
      • MORPAC Committee
      • Contact MORPAC
      • How to Contribute
      • Authorize MORPAC
      • MORPAC Bi-Annual Reports
      • MORPAC Action Week
    • mPower
      • mPower Your Career
      • Upcoming mPower Events
      • mPower Company Outreach Toolkit
      • Refer a Friend
    • Member Resources
    • mPact
      • Join the mPact Community
      • Meet mPact Leadership
      • MBA Education for mPact Members
      • Path to Diversity Scholarship Program
      • Follow Us on LinkedIn
      • Follow Us on Instagram
  • Who We Are
    • Governance
    • Management
      • Robert D. Broeksmit
      • Michael Briggs
      • Marcia Davies
      • Mike Flood
      • Michael Fratantoni
      • Peter Grace
      • Lisa J. Haynes
      • Bill Killmer
      • Pete Mills
      • Steve O’Connor
      • Seth Appleton
      • Kelli Burke
      • Holly Cannon
      • Deborah Dubois
      • Freddy Feliz
      • Elaine Howard
      • Richard Hill
      • Tamara King
      • William Kooper
      • Teressa Lurk
      • John Mechem
      • Tricia Migliazzo
      • Fran Mordi
      • Jeffrey Schummer
      • Marina B. Walsh
      • Jamie Woodwell
      • David Upbin
      • Rob Van Raaphorst
      • Dan Fichtler
    • Officers
      • Susan Stewart
      • Kristy W. Fercho
      • Matt Rocco
    • MBA's Diversity and Inclusion Initiative
    • Working at MBA
    • Contact Us
    • State and Local Associations
      • All State and Local Associations
      • State Relations Initiative
        • State and Local Advocacy Resource Center
          • MAA and Your State Association
        • State Business Development
        • State Communications
        • State Data Protection Legislation Resource Page
      • State Legislative and Regulatory Resource Center
      • MBA's State Ambassadors
        • Robert M. Couch, CMB
        • Christopher M. George
        • Julie Piepho, CMB, AMP
        • Jim Bopp
        • David G. Kittle, CMB
        • Donald G. Calcaterra, Jr., CMB
        • Amy Swaney, CMB
        • Regina M. Lowrie, CMB
        • Alan R. Fowler, CMB
        • Bill Cosgrove, CMB
        • Mark Severance
        • Nathan Burch, CMB
        • Joe Doyle
        • Fowler Williams, CMB
        • Richard W. H. Bennion
        • Phil DeFronzo
        • Bucky Houser
        • Dana Abernathy, CMB
      • State and Local Association Events
    • MBA Speakers Bureau
    • Consumer Info
      • Consumer Info: About the CARES Act
    • We Believe
      • Consumer Campaign
        • Consumer Campaign Print and Digital Ads
        • Custom Print Ad Form
      • Industry Campaign
      • Advocacy Campaign
    • Annual Report