CONNECT by California MBA

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Tom Davis, Chief Sales Officer, Deephaven Mortgage. Episode discussion timestamps: 1:30 - You became interested in the mortgage industry as a child. Tell me what you love about it and what keeps you so optimistic. 3:44 - Deephaven Mortgage offers HELOANs and HELOCs that allow alternative income options. You recently announced product updates for your HELOAN closed-end second that now include DSCR income for real estate investors. Why do you consider this a good time to innovate in the second mortgage / equity solutions space? 7:44 - Who are the non-QM borrowers most in need of a second lien or HELOC option? Where are the opportunities to serve self-employed borrowers or real estate investors, for example? 9:59 - What other growth areas do you see for loan officers in the non-QM space? 15:53 - Deephaven has been a long-time California MBA. Member. Can you share with our listeners why you chose to support our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Cheryl Messner, PRODUCT, Polly Episode discussion timestamps: 1:29 - Tell us how you got into the mortgage business 3:22 - How do you see business intelligence and analytics evolving in the mortgage industry over the next few years? 5:38 - Polly continues to experience significant growth. In your opinion, what are the key differentiators driving lenders to choose Polly over legacy pricing engines? 8:23 - Polly has gained quite a bit of attention in terms of innovation and overall pace of delivery. How does Polly approach the product roadmap and prioritize what comes next? 10:39 - Can you share with our listeners why Polly chooses to support the California MBA and Mortgage Innovators? RSVP to Polly's #MBASecondary25 reception event: https://connect.polly.io/2025-mba-secondary/reception-rsvp Follow Polly on LinkedIn: https://www.linkedin.com/company/pollyex/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Praveen Chandramohan, SVP, Origination Growth Solutions, Cotality Episode discussion timestamps: 1:27 - How you got into the mortgage business 2:44 - Big changes recently with the rebrand of CoreLogic to Cotality. Can you share with our listeners a little background on what inspired that change? 5:21 - Cotality has always focused on creating opportunities for customer retention. What's the main focus on that for 2025 for the company? 7:15 - How do you see business intelligence and analytics evolving in the mortgage industry over the next few years? Where is Cotality heading to meet these needs? 9:59 - Cotality is a member of the California MBA, and a Premier Sponsors at our Mortgage Innovators Conference happening May 7 - 8; thank you so much for your support. Can you share with our listeners why you choose to support our organization? 11:32 - You and I communicated earlier this year about the data your company has been compiling data on the Southern California wildfires. Are there any insights you can share around that data? Lenders, use "Cotality-Lenders" at checkout for an extra discount. Register for the Mortgage Innovators Conference here - https://my.cmba.com/events/mic25.html To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Marcus Carter, President, La Mesa Fund Control & Escrow Inc. Episode discussion timestamps: 1:29 - I always like to get started with our journeys to the mortgage industry. You and your Team seem to have a long history, over 130 years of combined experience!  Tell us how you got into this business. 5:57 - You are a very robust company that provides many different services from risk mitigation solutions, and compliance to being an independent licensed and bonded escrow company. Do you feel that being so diversified has helped your company be so successful? 6:51 - I love what you say in your philosophy, stability, trust, strength, growth, teamwork. What drew you to those core values? 8:45 - AI is the wave of the future, are you integrating any of it into your operations? 10:33 - Marcus La Mesa is new to the California MBA and has become very active, for which we are very grateful. Can you share with our listeners why you chose to support our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Paul Gigliotti, Head of Growth and Partnerships, Prudent AI Episode discussion timestamps: 1:44 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:10 - Why is the non-QM market becoming increasingly critical in today's lending landscape and how are you seeing them scale the non-QM operations? 6:39 - How is AI transforming the traditional lending qualification process? 10:52 - How are lenders currently handling complex income scenarios, and what bottlenecks exist?  15:50 - Can you share with our listeners why the Mortgage Innovators Conference has risen to be one of the best tech events in mortgage banking?   To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Anthony Ho, Managing Director and Chief Credit Officer, Amerihome Mortgage Episode discussion timestamps: 1:39 - Tell us how you got into this business. 3:18 - 2025 hasn't started at the pace I think many lenders were hoping for. What do you anticipate volumes will be like for the balance of the year? 4:31 - How can lenders stay competitive in a challenging market? 6:41 - What are your thoughts on the use of AI in the mortgage industry? 10:32 - Can you share with our listeners why you chose to support our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Tom Delaney, President, Bankers Insurance Service Episode discussion timestamps: 1:39 - I always like to start with finding out about our journeys to the mortgage industry, tell us how you got start? 3:58 - Tell us about Bankers Insurance Service and your role in the mortgage industry 6:09 - Climate change is impacting stress put on loan portfolios and servicers, how is BIS helping lenders in this area? 9:44 - Cyber security remains a very high priority for our lenders, how does your company address this issue for lenders? Are there elements they typically overlook in a policy? 14:28 - Can you share with our listeners why you chose to support our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Agustin (Augie) Del Rio, Founder and CEO, Gallus Insights Episode discussion topics: I always like to get started with a little background, so tell us how you got into the mortgage business and what inspired you to start Gallus Insights? The mortgage industry is complex and fast-moving. Why is data so critical for mortgage lenders and servicers, and where do you see companies struggling to leverage it effectively?” Can you share a specific example or use case where Gallus Insights has helped a mortgage lender or servicer achieve real results? What are the biggest challenges you're seeing mortgage lenders face today when it comes to reporting and analytics, and how does Gallus help them overcome these? How do you see business intelligence and analytics evolving in the mortgage industry over the next few years? Where is Gallus Insights heading to meet these needs? Can you share with our listeners why you choose to support our organization? To learn more about the Gallus Insights, visit gallusinsights.co To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Brandon Glidden, CEO, 2n1 Tech Solutions Episode discussion timestamps: 1:26 - How you started 2n1 Tech Solutions? What does the name 2n1 represent? 5:22 - You specialize in IT services for mortgage lenders. How are they different from other businesses? 7:49 - What do you feel are the areas most missed by lenders when it comes to protecting their companies? 9:34 - What advice do you give lenders on breach protocols? 16:48 - Can you share with our listeners why you chose to support our organization? To learn more about the 2n1 Tech Solutions, visit 2n1tech.com To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Leslie Winick, Chief Strategy Officer, MCT (Mortgage Capital Trading) Episode discussion timestamps: 1:29 - Tell us how you got into the mortgage business. 4:26 - What is your outlook for 2025 for this industry? 10:03 - In addition to your role at MCT, you are Co-Founder and Board Member of the CapitalW Collective. Tell us about that amazing organization. How can someone get more information about the CapitalW Collective? 14:49 - What can we all do to support more women in the mortgage banking industry? 19:00 - When we chatted a couple of months ago, you shared that you have worked in Europe and traveled the world, and one of your favorite places in Europe is Ireland! What would be the top 3 things you'd recommend as “must sees” if they were going there for the first time? To learn more about the CapitalW Collective, visit https://capitalwcollective.org   To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome T. Robert Finlay, Esq., Partner, Wright, Finlay & Zak, LLP Episode discussion timestamps: 1:31 - What were some of the big legislative takeaways for CA lenders this year? 10:27 - What litigation trends are you seeing right now? 13:55 - You will join us again to lead a panel discussion on in-house counsel and outside counsel relationships for lenders. What are some of the key points the panel will discuss? 16:16 - You've had a decorated career in legal representation for the mortgage industry. What advice would you give to someone just entering into this business? 18:22 - You've been a big supporter of the California MBA, for which I'm always grateful. Can you share with us why you're such a big supporter? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome 2024 Legal Issues and Compliance Conference Co-chairs Melissa Koupal, | SVP, Servicing Risk & Compliance, CMG Financial and Maria Moskver, CEO, CloudVirga Episode discussion timestamps: 1:44 - Thank you for Co-Chairing our upcoming 2024 Legal Issues and Regulatory Compliance Conference next week. You've both attended this conference several times, what sessions are you most interested in this year? 3:53 - From a lender's perspective, what is your top compliance concern right now? 5:25 - From a solution providers perspective, what is the most prevalent issue you're seeing from your clients relative to compliance? 6:17 - Sheila Oliver, Deputy Commissioner of the Mortgage Division of the DFPI is attending and speaking. What topics are you hoping she covers during her presentation? 8:29 - Can you each give our listeners a little preview of what we'll be covering during the conference? 10:57 - Listeners should also know that we've applied for MCLE credits from the California State Bar for those attorneys licensed here, including an hour of Legal Ethics! 12:21 - Register for California MBA's 2024 Legal Issues and Regulatory Compliance Conference: https://lirc24.events.cmba.com/ **Use LEGAL-50 at checkout to receive $50 off your conference registration, just for listening to our podcast today!** To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Ken Perry, President and CEO, Knowledge Coop Episode discussion timestamps: 1:31 - How did you get into the mortgage industry? 2:24 - Tell us about starting Knowledge Coop 4:23 - How is your company supporting lenders for success in the New Year? 6:01 - Share with us what's in store for Knowledge Coop for 2025 7:52 - What are your thoughts on the use of AI in our industry? 10:32 - Can you share with our listeners why you choose to support our association? Register for California MBA's Legal Issues and Regulatory Compliance Conference: https://lirc24.events.cmba.com/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Michael Snelling, Vice President and Danny Gemma, Vice President, HUB International Services Episode discussion timestamps: 1:41 - Let's hear how you each got into this business   2:57 - HUB's services are not isolated to the mortgage industry, but that's vertical. Can you share a little information with our listeners about HUB in general?   4:39 - Cyber security continues to be top of mind for lenders and the hackers just seem to be increasing in sophistication of their crimes. What role does HUB play in keeping lenders safe in these circumstances?   6:19 - Can you share some of the top areas where lenders may think they're covered adequately as far as their policies and procedures on fighting cyber-attacks, but they're really falling short?   9:36 - In addition to the ever so popular Cyber liability related conversations, is there anything else on the ‘insurance front' that has been an emerging topic?   11:36 - Can you share with our listeners why you support the California MBA? Register for California MBA's Legal Issues and Regulatory Compliance Conference:  https://lirc24.events.cmba.com/   To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Mitch Kider, Managing Partner, Weiner Brodsky Kider, PC Episode discussion timestamps: 1:39 - We are fresh off the presidential election. Given the outcome, what regulatory impact should lenders expect? 5:40 - Artificial Intelligence is top of mind for everyone, including legislators and regulators. What advice are you giving lenders as to the use of AI in their operations? 8:30 - What should lenders be thinking about relative to fair lending compliance in this market? 12:01 - What advice would you give to someone just entering into this business? 14:45 - You've been a big supporter of the California MBA, for which I'm always grateful. Can you share with us why you're such a big supporter? Register for California MBA's Legal Issues and Regulatory Compliance Conference: https://lirc24.events.cmba.com/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Kris D. Kully, Partner, Mayer Brown Episode discussion timestamps: 1:30 - Tell us about your journey to the legal side of mortgage banking. 4:23 - You advise clients on a wide range of federal and state regulatory compliance issues. What are some of the latest fair lending issues lenders should be aware of? 8:59 - What would you say lenders should be aware of as far as priorities for the CFPB going into 2025? 11:38 - Lenders are still navigating a tough origination market. How do you help clients find innovative ways to provide mortgage options? 13:48 - We greatly appreciate Mayer Brown's sponsorship for our upcoming Legal Issues and Regulatory Compliance Conference. Can you share with our listeners why you choose to participate and volunteer for our organization? Register for California MBA's Legal Issues and Regulatory Compliance Conference: https://lirc24.events.cmba.com/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome David Shirk, Managing Member, Shirk Law PLLC Episode discussion timestamps: 1:38 - Tell us how you got into legal representation for the mortgage business. 4:56 - What are some of the issues you're seeing in the market on this these days? 7:25 - How has the NAR settlement impacted real estate agent employment considerations? 10:27 - How does your firm set themselves apart from other law firms? 13:52 - Can you share with our listeners why your firm supports the California MBA? Register for California MBA's Legal Issues and Regulatory Compliance Conference: https://lirc24.events.cmba.com/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Richard J. Andreano, Jr., Partner, Ballard Spahr Episode discussion timestamps:   1:36 - What are some of the latest fair lending issues lenders should be aware of? 6:11 - What advice would you give lenders to strengthen their fair lending policies? 9:42 - Earlier this year the CFPB finalized a nonbank enforcement order registry. What should our industry members who are subject to a covered order be doing to prepare? 13:49 - I see that your firm is merging with Lane Powell.  How does that strengthen Ballard Spahr? 16:15 - Can you share with our listeners why you choose to participate and volunteer for our organization?   To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Deb Dubois, President, MBA Opens Doors Foundation Episode discussion timestamps: 1:59 - I always like to get started with our journeys to the mortgage industry, but you're like me, we didn't have a background in mortgage! Tell us how you came to become President of MBA Opens Doors. 4:45 - MBA Opens Doors, give us an overview of what services the foundation provides. 9:14 - Can you give our listeners an idea of the impact the foundation has on these families? 15:50 - Fundraising is a constant need for non-profits. How can companies support MBA Opens Doors, aside from just writing a check? 23:29 - What MBA Opens Doors events should people know about at the upcoming MBA Annual event? Donate to MBA Opens Doors: https://give.mbaopensdoors.org/give/177793/#!/donation/checkout To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome John Walsh, CEO, LERETA Episode discussion timestamps: 1:33 - I always like to get started with a little background, so tell us how you got into the mortgage business. 2:24 - Rising taxes and interest rates have been in the news a lot, what impact is this having on LERETA clients and their customers? 3:43 - Earlier this year we saw an interesting survey come out of LERETA about borrower's knowledge and understanding of escrow, what prompted you to do this survey, and what did you learn? 7:14 - I have seen LERETA over the years be very proactive about their preparation for Q4 tax processing, can you tell me more about the approach your team takes to make this as smooth as possible for your clients? 9:35 - John, LERETA became a member of the California MBA this year and we greatly appreciate your support. Can you share with our listeners why the company supports the California MBA? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Carol Ng, Managing Director, Derivative Logic Episode discussion timestamps:   I always like to get started with our journeys to the mortgage industry.  Tell us how you got into this business. You have been with Derivative Logic since January 2023, tell us a little about the company and its services. We were thrilled to have you join us as a speaker at our 2024 Western States CREF Conference where you joined industry leaders discussing today's market.  What are you advising as far as hedging strategies for hedging fixed rate and floating rate loans? How does Derivative Logic help lenders and borrowers in a market like this? In addition to having an impressive resume, I recently learned that you are also trained as a search and rescue volunteer!  What prompted you to pursue that? Derivative Logic has been a member of the California MBA for years and a big supporter of our annual Western States CREF Conference!  Can you share with us why the company supports our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Elizabeth Burnett, Managing Director, Loan Servicing, Slatt Capital Episode discussion timestamps: 1:41 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:25 - You have earned your CCMS (Commercial Certified Mortgage Servicer) designation through the national MBA and you've served as a course instructor and oral exam panel member for the designation classes. What can you share with listeners about the importance of professional designations? 5:55 - You also earned the MBA Opens Doors Foundation Spirit Award this year, which recognizes people for their efforts to support that wonderful non-profit. Tell us about the MBA CCMS Philanthropic Committee. To learn more or donate visit: https://give.mbaopensdoors.org/campaign/ccms-philanthropic-committee/c487055 8:57 - Shifting to today's commercial real estate market, what are some of the challenges or trends loan servicers have seen? 12:39 - Artificial Intelligence is a hot topic these days – do you see a role for AI in loan servicing? 13:57 - How is California's insurance crisis impacting commercial loan servicing? 17:25 - Slatt Capital has been a member of the California MBA for years AND Barry Slatt was a Board member and helped launch the Western States CREF Conference! Can you share with us why Slatt Capital supports our organization? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Adam Chaudhary President, FundingShield Questions: How did you get into the mortgage industry? It seems like the more we do to protect ourselves and our companies from fraud, there is always a new scheme out there. Tell us about what FundingShield does to protect lenders. What are some of the key findings from your recent fraud report? Lenders are focused on efficiency, risk and cost reduction, how is FundingShield delivering on these metrics to drive ROIs for clients ? FundingShield has been a tremendous supporter of the California MBA over the years including your President's Council sponsorship in 2024, thank you so much for your support. Can you share with our listeners why you choose to support the California MBA? Check out FundingShield's latest fraud report here: https://www.fundingshield.com/fundingshield-q2-2024-fraud-analytics-with-commentary-from-fundingshields-ceo-ike-suri/ To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Nicollette Chapman, SVP, Mortgage Division, Zonda. 1:31 - I always like to get started with a little background, so tell us how you got into the mortgage business. 4:07 - Zonda focuses on developing builder business for residential lenders, how's the health of the new home sale market in CA and how does that compare nationwide? 6:18 - What type of technology does Zonda use to provide services to the industry? 8:11 - How do lenders get their foot in the door with homebuilders? 10:25 - What are some of the best CA markets for new home sales and builder business? 11:32 - Zonda recently joined the California MBA, thank you for your support. Can you share why Zonda decided to become a member? To learn more about the California MBA, visit cmba.com

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Skye Laudari, CEO, Crib Equity 1:43 - Skye, welcome, I always like to get started with a little background on my guests.  Tell us how you got into the mortgage industry.   4:36 - I am fascinated by the concept of Crib Equity.  Tell us about the company?   8:37 - In a state like California, down payment assistant programs are so important to helping people achieve the American dream of homeownership.  Do you find that there is still a lack of understanding of all the programs that are available?   11:01 - You've had a long career, what advice would you give someone just starting out in the mortgage industry?   14:05 - Crib Equity has recently become a member of the California MBA, thank you for your support.  Can you share why the company chooses to support the California MBA? To learn more about the California MBA, visit cmba.com

Connect with Daniel Ceniceros, CEO, Connect Media and Gary Bechtel, CEO, Red Oak Capital Holding by The California MBA

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Greg Vacura, President, Agile Trading Technologies. 1:36 - Greg, you've been a guest on Connect in the past, welcome back. How has the first half of 2024 gone for Agile? 5:44 - What are the priority initiatives for Agile this year? 9:46 - I see Agile is a sponsor of the CapitalW Collective, can you tell me how you became engaged with that organization? 11:37 - I know that no one has a crystal ball, but what are your thoughts on the rate environment going into 2025? 14:27 - Greg, Agile is a sponsor for our big CAMPAC Golf Tournament being held today, Monday, August 19th to kick off our Western Secondary Market Conference 2024! Can you share with our listeners why Agile chooses to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Serene Vernon, President and Greg Armstrong, Chief Operating Officer, LoanStream Mortgage. 1. I always like to get started with a little background, so tell us how you each got into the mortgage business. 2. Recently LoanStream was recognized as a top Non-QM lender - what separates LoanStream from other Non-QM lenders? 3. The market has been difficult for many lenders, as a wholesale lender you can see clients trying to navigate the market - how does LoanStream assist them in expanding their market? 4. You've both had successful careers in the mortgage industry. What advice would you give someone who's just starting out? 5. LoanStream is a member of the California MBA and a sponsor for our upcoming Western Secondary Market Conference. Can you share with our listeners why the company supports the California MBA? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Kim Nichols, Chief TPO Production Officer, PennyMac and Nick Pabarcus, Sales Director, Logan Finance You two are Co-Chairs for this year's big Western Secondary Market Conference happening at our new location, Terranea in Rancho Palos Verdes. What can you share with our listeners about the new venue? What are some of the agenda highlights attendees can look forward to this year? I think it's important for the industry to understand that the proceeds from this and all our conferences are essentially invested right back into the industry in the form of advocacy. Do you find that many folks miss that connection? Not only are you both putting a tremendous amount of time and effort into our signature event for residential lenders, but you're both also on our Board of Directors. Can you share with our listeners why it's important to support the California MBA? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Tom Wight, VP Mortgage Banking, KeyBank.   1:42 - I always like to get started with a little background, so tell us how you got into the commercial mortgage business. 3:17 - You moved from a mortgage bank, Northmarq, to a depository bank last year. How was the adjustment to being at a depository bank? 6:47 - What are the top priorities for KeyBank for the balance of the year? 8:21 - You've had over a decade in this business now. What advice would you give someone just starting their career in commercial real estate finance? 12:10 You are not only a Board member for the California MBA, but also serving as Chair for this year's Western States CREF Conference.  Can you share with our listeners some of the hot topics we'll be covering this year at the Western States CREF Conference? 12:38 - As we mentioned, you're on our Board and serve in that volunteer capacity, KeyBank is a member of our association. Can you share with our listeners why the company supports the California MBA? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Michelle Richardson, CMB, AMP, CTP // SVP, Chief Financial Officer, Plaza Home Mortgage. 1:24 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:40 - I am so impressed with the number of industry designations you've earned, how have those classes supported your career growth? 5:03 - We're still in the midst of a tough cycle for originators. How can a company be competitive in a purchase market like this? 5:46 - How does Plaza Home Mortgage set themselves apart from competitors? 6:34 - How is California's Insurance crisis impacting your business? 9:06 - What advice would you give a young mortgage professional just starting out? 10:26 - Plaza Home Mortgage is a member of the California MBA, for which I'm always grateful. And Mike Fontaine currently sits on our Board of Directors. Can you share with us why Plaza chooses to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Valerie Ausband, SVP, National Field Sales & Strategic Accounts, Arch MI   1:29 - I always like to get started with our journeys to the mortgage industry.  Tell us how you got into this business. 3:08 - You were named Women of Influence by HousingWire in 2017 and 2018. How did you react when you got that news? 5:21 - The last 12-15 months have been rough for the mortgage industry. How does Arch MI help lenders in a market such as this? 9:36 - What are the top priorities for Arch MI for the balance of this year? 10:46 - You have a successful career in this industry, what advice would you give a young mortgage professional just starting out? 13:06 - Arch MI is a member of the California MBA, and for the past several years also a President's Council Sponsor, for which I'm always grateful.  Can you share with us why Arch chooses to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Tom Davis, Chief Sales Officer, Deephaven Mortgage.   1:24 - I always like to get started with a little background, so tell us how you got into the mortgage business. 3:54 - Why is Non-QM important in today's market? What are the opportunities with Non-QM? 11:11 - What are the top priorities for Deephaven for the balance of the year? 14:33 - Tell me about Deephaven's delivery options (delegated and non-delegated)? 16:34 - Deephaven is a member of the California MBA and a sponsor for our upcoming Western Secondary Market Conference. Can you share with our listeners why the company supports the California MBA? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Sal Miosi, President and COO, MGIC. 1:49 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 2:40 - It is not common to see someone at one company for as long as you've been with MGIC – what a great story. Corporate culture must have had a lot to do with your longevity at the company. Tell us a little about MGIC's corporate culture 5:58 - You recently won the University of Wisconsin-Milwaukee Alumni Association award for outstanding achievements in technology, operations, marketing and strategy. How did you react when you heard of this recognition? 7:42 - MGIC provides a wide range of resources for lenders and borrowers. June was National Homeownership Month – how is MGIC helping to provide access to sustainable homeownership? 11:19 - What are the primary areas of focus for MGIC for the balance of 2024? 14:22 - MGIC has been a member of the California MBA for years, for which I'm always grateful. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Tai Christensen, President, Arrive Home 1:32 - Tai welcome, I always like to get started with a little background on my guests. Tell us how you got into the mortgage industry. 4:47 - Congratulations on moving to the role of President last year at Arrive Home. What are some of the company's priorities for the balance of 2024? 8:31 - In a state like California, down payment assistant programs are so important to helping people achieve the American dream of homeownership. Do you find that there is still a lack of understanding of all the down payment assistant programs that are available? 11:37 - Tai, thank you for serving as Chair for the California MBA's DE&I Committee, we're grateful for your leadership. We're moving to on-demand content to hopefully have a greater reach for our presentations. What can you share with our listeners about the information the DE&I Committee provides? 13:41 - Arrive Home is a member of the California MBA and you're a leader for one of our major committees, can you share why the company chooses to support the California MBA? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Chris Hilliard, CEO and Founder, Winnow   1:38 - Chris welcome, I always like to start with a little background, how did you get into the mortgage industry?   2:43 - Tell us about starting Winnow Solutions with my good friend Clint Rockwell.   5:57 - Chris, thank you for being a sponsor at our recent Mortgage Innovators Conference, we were very pleased with that event overall.  Of course, the use of AI was a huge topic.  What can you share about Winnow AI?   9:23 - You've always kept your finger on the pulse of legislative and regulatory updates, what is top of mind for regulators right now?   13:20 - You were recently at our Legislative Day serving as one of our Team Leaders for our Capitol visits (thank you so much for your leadership and support!) and the MBA's National Advocacy Conference.  Can you share with our listeners why you prioritize advocacy for our industry? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Kevin Peranio, Chief Lending Officer, PRMG 1:39 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:20 - You've had a long history in the mortgage industry, 2023 was a tough year for originators. How can a company be competitive in a purchase market like this? 5:58 - You have an incredible following in this industry KP! Including your weekly LinkedIn market update – how did that get started? 11:13 - Can you share some of the best highlights from our 2024 Mortgage Innovators Conference? 14:13 - California MBA has launched a PR campaign to highlight the impacts of our insurance crisis. How can the industry support our efforts? 17:20 - Can you share with us why you and PRMG choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Jeff Flory, CMB, AMP, CEO, QC Ally 1:26 - Jeff, thank you for being back on Connect – always a pleasure to catch up with you. We're about halfway through 2024, what's the word you're hearing from your clients about how they're feeling about the balance of the year? 6:25 - QC Ally offers a wide range of services for mortgage quality. How are you using AI to provide services to your clients? 9:52 - You've always kept your finger on the pulse of legislative and regulatory updates, what is top of mind for regulators right now? 15:51 - You were recently at our Legislative Day serving as one of our Team Leaders for our Capitol visits (thank you so much for your leadership and support!) and the MBA's National Advocacy Conference. Can you share with our listeners why you prioritize advocacy for our industry? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Michael Pearson, SVP Business Development, A&D Mortgage 1:41 - I always like to get started with a little background, so tell us how you got into the mortgage business. 3:05 - How does A&D Technologies help individuals who prefer traditional methods to increase their earnings? 5:08 - What steps did A&D Mortgage take to develop something new and beneficial for your partners, like AIM? 6:24 - How does your company work on creating long-term partnerships? 7:34 - A&D Mortgage is a proud member of the California MBA, but your company head office is based in Florida. Why did you decide to support California MBA through membership? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Joe Dahleen, Managing Director of Strategy and Sales, Silverwork Solutions 1:48 - I always like to get started with a little background, so tell us how you got into the mortgage business. 4:14 - Artificial intelligence is used in an ever-increasing capacity in this industry and is top of mind for all lenders. What would you say is AI's most effective aspect for the mortgage industry? 5:36 - The field of AI in general is met with such mixed reviews. The unimaginable potential and the fear of replacing humans! What are your thoughts on the future of AI in general? 7:33 - Tell me about Silverworks priorities in 2024? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Adam Carmel, Founder & CEO, Polly 1:48 - I always like to get started with our journeys into the industry. I also love a great entrepreneurial story. Can you share how you got into mortgage and why you decided to start Polly? 5:08 - You've had a great career in financial services. What advice would you give a young mortgage professional just starting out, specifically as it relates to technology or the lender/vendor paradigm? 8:16 - How else is Polly positioned to help lenders succeed in a market such as this? 10:42 - Polly is a member of the California MBA and a sponsor for our Mortgage Innovators Conference happening this week – thank you so much for your support! Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Phil Rasori, Chief Operating Officer, Mortgage Capital Trading (MCT) 1:30 - You've had a long history in the mortgage industry, We're coming off a tough year for originators. How can a company be competitive in a purchase market? 5:01 - I hear from my members that we could be seeing some improvement in the market, what is your outlook for the balance of the year? 7:33 - Tell me about the latest technology solutions MCT is offering? 12:14 - MCT has been a long-time supporter of the California MBA, for which we're very grateful. Can you share with our listeners why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Aaron Samples, Chief Revenue Officer, Logan Finance Corporation 1:22 - I always like to get started with our journeys to the mortgage industry.  Tell us how you got into this business. 2:52 - You've had a long history in the mortgage industry, We're coming off of a tough year for originators. How can a company be competitive in a purchase market like this? How does Logan Finance set themselves apart from competitors? 9:05 - What are some of the opportunities in today's market for the non-QM lending space? 12:54 - Being a leader during hot markets is much different than challenging markets, like we're in today. What are some of the leadership values that can help companies navigate the tough times? 16:20 - You've had a successful career in financial services, what advice would you give a young mortgage professional just starting out? 18:30 - Logan Finance is a member of the California MBA, for which I'm always grateful. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Boaz Reisman, AI and Machine Learning Expert, Dark Matter Technologies 1:24 - I always like to get started with a little background, so tell us how you got into the mortgage business. 4:13 - Artificial intelligence is used in an ever-increasing capacity in this industry and is top of mind for all lenders. What would you say is AI's most effective aspect for the mortgage industry? 6:50 - The field of AI in general is met with such mixed reviews. The unimaginable potential and the fear of replacing humans! What are your thoughts on the future of AI in general? 13:42 - Dark Matter is a fascinating company, tell us about the company's priorities in 2024? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

This is a special episode with the two hosts of California MBA's 2024 Mortgage Innovators Conference. Join Susan as she is joined by Kevin Peranio, PRMG and Paul Gigliotti, PJ Operations to talk about the exciting event in May. To learn more about the conference and to register, visit mortgageinnovators.com/conference

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Erin Wester, VP, Product Management, Optimal Blue 1:35 - I always like to get started with a little background, so tell us how you got into the mortgage business. 3:21 - As lenders are coming off an incredibly challenging year, 2023, what are the top solutions Optimal Blue is offering to help lenders be successful in this market? 9:13 - You were named one of “The Most Powerful Women in Fintech” in 2023 by PROGRESS in Lending Association, how did you react when you heard the news? 10:09 - Optimal Blue is a member of the California MBA, for which we are always grateful and the company has supported many of our events and initiatives over the years. Can you share why Optimal Blue is such a big supporter? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Holly Neber, CEO, AEI Consultants 1:35 - I always like to get started with our journeys to the mortgage industry.  Tell us how you got into this business. 3:35 - It is not common to see someone at one company for as long as you've been with AEI – what a great story.  Corporate culture must have had a lot to do with your longevity at the company.  Tell us a little about AEI's corporate culture 5:18 - AEI offers a number of services, how has valuation and due diligence changed since the pandemic? 7:10 - FHA Radon requirements changed a year ago - how has the industry adapted? 9:53 - What is AEI seeing as far as office building valuation trends? 11:03 - Being a leader during hot markets is much different than challenging markets, like we're in today. What are some of the leadership values that can help companies navigate the tough times? 13:37 - AEI Consultants has been a member of the California MBA for years AND have consistently sponsored our big Western States CREF Conference, for which I'm always grateful. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Rekha Siddani, EVP, National Credit Operations, Amerihome 1:22 - I always like to get started with a little background, so tell us how you got into the mortgage business. 3:59 - Rekha you've had a long history in the mortgage business, what is your outlook on the balance of 2024 for this industry? 5:50 - What do you find to be the biggest challenge today for a mortgage banks underwriting and appraisal operations? 8:39 - Cyber security continues to be a top priority for anyone in business. What advice would you give to lenders about prioritizing their data and information? 11:07 - You've been at Amerihome for many years, what are the priorities for that company in 2024? 13:12 - You've recently received the MBA's Path to Diversity Scholarship, congratulations! Tell us more about that program To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Rajan Nair, CEO, Indecomm 1:52 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 4:59 - The mortgage industry seems ripe for automation, but I still talk to some lenders who are reluctant to use it. What do you think is the reason for the reluctance and how do you help them get through it? 11:55 - Tell me more about your Genius suite of automation products and the journey that you had to take to get here. 19:04 - Being a leader during hot markets is much different than challenging markets, like we're in today. What are some of the leadership values that can help companies navigate the tough times? 23:57 - Indecomm is a member of the California MBA, for which I'm always grateful. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Pamela Hamrick, President, Incenter Diligence Solutions 1:27 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 2:36 - You've had a long history in the mortgage industry, We're coming off a tough year for originators. How can a company be competitive in a purchase market? 3:38 - How does Incenter Diligence Solutions help lenders in a market such as this? 6:37 - How has California's insurance crisis impacted risk management for lenders? 9:28 - What are the top priorities for Incenter Diligence Solutions this year? 11:58 - You've had a long career in financial services, what advice would you give a young mortgage professional just starting out? 14:44 - Incenter Diligence Solutions is a member of the California MBA, for which I'm always grateful. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Chad Ruggles, SVP Head of Vylla Home, brokerage arm of Carrington Mortgage Services 1:29 - I always like to get started with a little background, so tell us how you got into the mortgage business. 3:03 - You've had a long career in the mortgage industry - what's your overall take on the residential mortgage market for 2024? 5:19 - Vylla Title is part of the Carrington Family of Companies. How was it moving from the mortgage side of the business to leading their brokerage company? 7:18 - Cyber security continues to be a top priority for anyone in business. Running your company means you have access to significant personal information. What advice would you give to lenders about prioritizing their data and information? 8:49 - How does Vylla Home set themselves apart from their competitors? 11:51 - Chad, Vylla Home is not only a member company but a consistent sponsor of our annual CAMPAC Golf Tournament, which we greatly appreciate. Can you share with us why you choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!