Mortgage Professional America issue 9.05 by Key Media

MPAMAG.COM ISSUE 9.05

Theyâ&#x20AC;&#x2122;ve launched successful companies, mentored the next generation and originated billions of dollars in loans â&#x20AC;&#x201C; say hello to 100 of the most inspiring women in the mortgage industry

Brandi Heath-Anderson (center) on Academy’s Service Expedition to Amaru, Peru.

Time for a Change? Academy’s unique culture promotes both personal and professional growth. “I came to Academy Mortgage for several reasons, one being the unique culture of the company. It’s a culture of professional and personal development that helps me become my best self. As it relates to the business, Academy’s leadership is committed to providing support without taking local fulfillment away and understands that regions have different needs that require different solutions in each of their markets. Academy’s leadership is also committed to my personal growth through a variety of careerdevelopment initiatives. Whether it’s an opportunity for me to focus on achieving a better work-life balance or an opportunity to contribute toward international service expeditions and community-based projects, Academy gives me and my team a way to make a difference here and around the world.” —Brandi Heath-Anderson

Congratulations to Brandi Heath-Anderson and Kelle Smart, Academy’s Elite Women in Mortgage. Become your BEST self at Academy. Contact John Owens, National Recruiting Manager, at (801) 568-4716 or visit www.academymortgage.com. Corp NMLS #3113 | Corp State Lic #5491140

MPA SPECIAL REPORT

ELITE WOMEN

Mortgage Professional America spotlights 100 women who are breaking down the financial industry’s last remaining barriers

DESPITE MAKING up nearly 60% of the global financial services workforce, only 14% of women in the industry are board members, and just 2% hold CEO positions. So it’s heartening that we received thousands of nominations for this year’s Elite Women list – clearly, women in the mortgage industry are doing their part to right that historical bias.

Over the last three months, our researchers sifted through those nominations and polled readers to narrow down the finalists to this list of 100. All of these women are shaping and changing the face of the mortgage industry, shattering barriers along the way. Collectively, their achievements are nothing short of staggering.

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MPA SPECIAL REPORT

ELITE WOMEN INDEX BY LAST NAME

NAME

PAGE

COMPANY

NAME

PAGE

COMPANY

Adams, Mary

Movement Mortgage

Lowrie, Regina

RML Advisors

Albert, Denielle

LoanTek

Marino, Melissa

Best Rate Referrals

Alley, Nancy

Simplifile

Marsh, Kelly

Broadview Mortgage Corporation

Anderson-Tompkins, Brooke

1st Priority Mortgage

Maxwell, Lauren

American Eagle Mortgage Co.

Apanay, Sherry

Finance of America Reverse

McAleer, Ashlei

Angel Oak Home Loans

Arbogast, Mary Ann

Loan Simple

McClusky, Janet

Gold Star Mortgage Financial Group

Arvielo, Patty

New American Funding

McCoy, Linda

Mortgage Team 1

Aziz, Nadia

Optimal Blue

McGarry, Mary Ann

Guild Mortgage Company

Balkcom, Rebekah

AmeriSave Mortgage Corporation

McGrath, Paulina

Republic State Mortgage

Barrett, Michele

Loan Simple

McGuigan, Christine

HomeBridge Financial Services

Bazemore, Teresa Bryce

Radian Guaranty

McHan, Susan

Opes Advisors

Beier, Debbie

GSF Mortgage Corporation

McMahon, Leigh

United American Mortgage Corp.

Barreras, Dina

Carrington Mortgage Services

Melnick, Sue

Bay Equity Home Loans

Blackwood, Alicia

Summit Funding

Meogrossi, Deb

Mortgage Forums

Brandao, Laura

American Financial Resources

Merkle, Claudia

National MI

Braunschweiger, Cheryl

NOVA Home Loans

Mister, Linda

Highlands Residential Mortgage

Burns, Jill Kravig

Mountain West Financial

Nelson, Penny

Altavera Mortgage Services

Campion, Rosella

Mortgage Master

Niles, Amanda

Finance of America Mortgage

Carr, Aimee

Atlantic Bay Mortgage Group

O'Brien, Beth

Colony American Finance

Casey, Helen Hanna

Howard Hanna Real Estate Services

Pachan, Jessie

Smarter Mortgages

Cavanaugh, Sarah

1st Reverse Mortgage USA

Padilla-Fitzgerald, Anita

MegaStar Financial Corp.

Clark, Diane

PrimeLending

Patzert, Robin

Parkside Lending

Cleland, Kay

KC Mortgage

Peel, Wendy

ReverseVision

Comeau, Colleen

William Raveis Mortgage

Pham, Christina

JMAC Lending

Costa, Cara

Franklin American Mortgage Company

Pratt, Nancy

Pavaso

Davidson, Linda

Service First Mortgage

Quinn, Aimee

Nations Direct Mortgage

Dillard, Dana

Nationstar Mortgage

Rader, Jennifer

Franklin American Mortgage Company

Dombrowski, Stephanie

Ent Credit Union

Robin, Cathy

American Mortgage & Equity Consultants

Feltgen, Cheryl

Arch Mortgage Insurance Company

Robinson, Dawn

PrimeLending

Fitzer, Jan

Alerus Mortgage

Saez, Karen

First American Mortgage Solutions

Foley, Debbie

Smarter Mortgages

Saunders, Valerie

RE Financial Services

Frank, Andrea

United Wholesale Mortgage

Schambough, Michele

Iberia Bank Mortgage

Frank, Lauren

AmeriSave Mortgage Corporation

Sessa, Amanda

SWBC Mortgage

Garcia, Sandy

American Bancshares Mortgage

Shultz, Debra

Guaranteed Rate

Garren, Lauren

Freddie Mac

Sieffert, Kristen

Finance of America Reverse

Gifford, Shayla

Guild Mortgage Company

Simpson, Minerva

Fairway Independent Mortgage Corporation

Gong, Patty

Parkside Lending

Smart, Kelle

Academy Mortgage

Hall, Nancy

Mortgage Advantage

Smith, Jennifer

SoFi

Harrison, Tamera

Planters First Bank

Smith, Leslie

Silver Hill Funding

Hays, Kathleen

Great Western Home Loans

Taylor, Stacie

Movement Mortgage

Heath-Anderson, Brandi

Academy Mortgage

Terrasi, Linda

United Wholesale Mortgage

Hendricks, Kelly

Delmar Financial Company

Tierce, Amy

Wintrust Mortgage

Kelley, Tawn

Taylor Morrison Home Funding

Toburen-Lacy, Christine

REMN Wholesale

Kilaru, Risha

Prospect Mortgage

Todd, Tonya

Mountain West Financial

Kreycik, Allyson

Guaranteed Rate

Valentini, Sarah

Radius Financial Group

Kucerak, Olga

Crown Lending

Vlamis, Neena

A and N Mortgage Services

Laffey, Cindy

Inlanta Mortgage

Weems, Janice

Iberia Bank Mortgage

Leonhard, Laura

Inlanta Mortgage

Whorl, Cristen

Gold Star Mortgage Financial Group

Liu, Michelle

CIT Real Estate Finance

Yellen, Janet

US Federal Reserve

Logemann, Shelly

RPM Mortgage

Zelvis, Michele

Angel Oak Home Loans

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DIANE CLARK

SHELLY LOGEMANN

Senior loan officer

Branch manager

PrimeLending

RPM Mortgage

Being the very best in terms of knowledge and customer service is Diane Clark’s number-one goal. She puts a high priority on trust, and specializes in assisting corporate relocation clients. A seasoned mortgage professional, Clark has been with PrimeLending since its founding in 1986. She is consistently among the company’s top producers, and was ranked nationally at number 54 for Top Dollar Volume and number 55 for Most Loans Closed by Scotsman Guide.

Shelly Logemann left corporate America behind in 2000 to join the mortgage industry, and she’s been a top-producing agent ever since. The former VP of sales at Gateway now runs RPM Mortgage’s Newport Beach branch, where she serves borrowers and real estate professionals throughout Southern California. From 2010 to 2015, Logemann funded $2.07 billion worth of loans, earning a place on Origination News’ Top 100 list, Mortgage Executive’s Top 200 list and Scotsman Guide’s Top Dollar Volume Originators list.

CHERYL FELTGEN EVP and chief risk officer

REBEKAH BALKCOM

Arch Mortgage Insurance Company

Senior loan originator

Hard work and determination, continuous learning and a bit of good luck are some of the factors Cheryl Feltgen credits for her success. As Arch MI’s chief risk officer, Feltgen is in charge of identifying and managing credit, operational, market, liquidity and insurance risks for the company. Feltgen began her career in real estate finance and development, and brought her financial services and risk management background to the mortgage industry when she joined Washington Mutual in 2005. “Having been able to successfully navigate through many different cycles in the real estate industry [is one of my proudest accomplishments],” she says. Beyond her role at Arch MI, Feltgen is dedicated to cultivating the next generation of leaders within the industry. She was fortunate to have had several mentors throughout her career, and now she is committed to returning that guidance to future risk professionals, especially women. At her previous employer, Fifth Third Bank, Feltgen worked with a local nonprofit to launch Women to Self Sufficiency, an initiative to provide child care and other support to mothers to enable them to advance their careers and support their families. “I encourage any women who aspire for leadership roles to find something they love and work hard at it,” she says.

AmeriSave Mortgage Corporation

In more than a decade at AmeriSave Mortgage Corporation, Rebekah Balkcom has held every sales role, from loan originator to vice president of sales. In 2015, Balkcom was the company’s second highest-producing originator, boasting nearly $62 million in funded volume. But she’s not just focused on her own performance; she consistently works with new loan originators and company executives alike to improve AmeriSave’s processes and practices. “Rebekah is an incredible manager,” says a colleague. “Her communication and aid in working several different deals a day helps our team to achieve maximum success and provide outstanding quality customer service.”

KELLY MARSH Branch manager Broadview Mortgage Corporation

In the past three years, Kelly Marsh has closed more than $300 million in loans, ranking in the Top 125 in Scotsman Guide. As branch manager at Broadview’s Santa Barbara location, Marsh leads a team of two loan originators and six support staff. Marsh meets weekly with her team to thoroughly review their current pipeline and streamline their systems. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents and satisfied past clients. Marsh also regularly facilitates seminars for real estate professionals.

www.mpamag.com

MPA SPECIAL REPORT

ELITE WOMEN LINDA TERRASI Chief risk officer United Wholesale Mortgage

JANICE WEEMS Vice president Iberia Bank Mortgage

Part of Iberia’s Louisiana team, Baton Rouge native Janice Weems has more than 22 years of mortgage lending experience. She strives to put customers at ease and believes that communication is the key to a successful transaction. She relies on her extensive knowledge of mortgage products to match clients with the right loan program to fit their situation. Weems is a member of the National Association of Professional Women and serves as vice president of the Greater Baton Rouge Mortgage Lenders, where she has sat on the board of directors for three years. She is also a long-time member of the Greater Baton Rouge Board of Realtors and volunteers as an instructor for real estate agents.

DEBBIE FOLEY Vice president Smarter Mortgages

A former accountant, Debbie Foley has more than 30 years of experience in preparing financial statements and tax returns for high-net-worth clients and small to mediumsized businesses. She has been with Smarter Mortgages since 2005 and has closed more than $750 million in home loans. Last year, Scotsman Guide ranked Foley number one in Refinance Volume and number five in Dollar Volume nationally.

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With more than 45 years of experience in the mortgage industry, Linda Terrasi has been heavily involved in all aspects of the business. Right out of high school, Terrasi began working for a local bank; in just two years, she found her way to the mortgage side of the business and eventually into risk management. As the chief risk officer at United Wholesale Mortgage [UWM], Terrasi is connected to every one of the company’s 38 teams. She has spearheaded the company’s loan quality training programs and process enhancements, ensuring that both mortgage brokers and borrowers receive the best client service experience while working with UWM. An instrumental leader in the training of agencies in procedures around short sale and loss mitigation, Terrasi also serves as a mentor for the next generation of mortgage professionals. “The thing I enjoy the most is helping train the new and upcoming people in the mortgage industry,” she says. Due to her expertise and length of time in the business, Terrasi also has served as an expert witness for the FBI and has assisted the Bureau with mortgage lending investigations.

TONYA TODD SVP of strategic products Mountain West Financial

As senior vice president of strategic products at Mountain West Financial [MWF], Tonya Todd is responsible for the company’s participation and involvement in down payment assistance programs and works closely with nonprofit organizations and housing finance agencies to develop lending products that meet their constituents’ needs. Operationally, Todd is responsible for the implementation, administration and maintenance of these programs and works daily with internal divisions, including loan underwriting, loan purchasing and secondary marketing, to ensure programs are successful for both MWF and its housing partners. Todd got her start in the affordable housing side of the mortgage industry in 2003 while working for Countrywide. “I do have a passion for helping first-time homebuyers get into a home,” she says. “That’s what affordable housing specializes in – helping someone [get into a home] who has the means to make the mortgage payment, but may not have the means for the down payment, and is qualified for the mortgage itself and is deserving of the home.” In addition to her role at MWF, Todd is a co-founder of The Cuisinistas Club, where she helps produce a weekly blog that shares advice on party planning. Last year, Todd also participated in the California Mortgage Bankers Association Future Leaders Program at Pepperdine University, an educational and networking program for select members in the industry; she will return this year as a mentor for the new group.

Guaranteed Rate congratulates Allyson Kreycik and Debra Shultz! They made Mortgage Professional America’s Elite Women issue.* ALLYSON KREYCIK

DEBRA SHULTZ

Wakefield, MA NMLS ID # 484108

New York, NY NMLS ID # 49302

2015 loan volume: $134.8M 2014 loan volume: $91.4M

2015 loan volume: $65.4M 2014 loan volume: $42.3M

Additional congrats go out to all of our women loan officers, who together produced over $3 billion in total volume in 2015. You’re all elite in our eyes! Achieve elite status in your career. Contact us today to learn more. James Elliott

Richard Fedele

Joe Phalen

Al Gelschus

Chris Knapp

P: 310.806.4604

P: 617.650.9150

P: 773.290.0308

P: 952.646.1221

P: 773.290.0372

James.Elliott@ guaranteedrate.com

RFedele@ guaranteedrate.com

Joe.Phalen@ guaranteedrate.com

Al.Gelschus@ guaranteedrate.com

Chris.Knapp@ guaranteedrate.com

AK, AZ, CA, HI, ID, NM, OR, WA

CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA - East, RI, SC, VA, VT, WV

AR, IL, IN, KS, MI South, MO, OK, TX North

IA, MI - North, MN, MT, NE, ND, SD, WI

AL, CO, GA, ID, KY, LA, MS, NV, OH, PA - West, TN, TX South, UT, WY

joingrnow.com *As listed among 50 Elite Women in Mortgages 3940 N. Ravenswood Chicago, IL 60613 • guaranteedrate.com • Guaranteed Rate is an Equal Opportunity Employer NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License # BK-0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO 20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 14-1744-A • MT - Lic# 2611 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 • NC - Lic #L-109803 • ND - Lic #MB101818 • OH - Lic #MB0804160.000 & Lic #SM.501367.000 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # MB001713 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Lic # 50426 & Lic # 47207 • UT - Lic #7495184 • VT - Lic #2611-1 & 0930 MB • VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV - Lic #ML-30469 & MB-30098 • WY - Lic#2247 Allyson Kreycik NMLS ID: 484108 NH - NH484108 - 13931-MB, MA - MLO484108 - MC2611 (781) 439-9176 | Debra Shultz NMLS ID: 49302 CA - CA-DOC49302 - 413 0699, NJ - 0515276 - Licensed, NY - NY-49302-007233 - B500887, HI - HI-49302 - HI-2611, FL - LO6312 - MLD1102, CT - LO-49302 - 17196, PA - 51018 - 20371, CO - 100057088 - Licensed (212) 318-9421

MPA SPECIAL REPORT

ELITE WOMEN VALERIE SAUNDERS

ALICIA BLACKWOOD

Vice president

Sales manager

RE Financial Services

Summit Funding

Valerie Saunders has more than 20 years of experience in the mortgage and title industry. Prior to joining RE Financial Services in 2007, Saunders was president at Title ClearingHouse of Jacksonville. Saunders currently serves as chair of the government affairs committee and a director for the National Association of Mortgage Professionals. She also has an active presence in the Florida Association of Mortgage Professionals and is president of the group’s Education Foundation, where she is an instructor and course writer.

Failure is not an option for Alicia Blackwood, Summit Funding’s sales manager. With more than 14 years in the field under her belt, Blackwood was ranked as a top FHA originator by Scotsman Guide in both 2014 and 2015.

CHRISTINE TOBUREN-LACY Western regional sales manager REMN Wholesale

Christine Toburen-Lacy has been the Western regional sales manager at REMN Wholesale for the past two years. Previously, she served as vice president at United Mortgage Corporation and CM Lacy; she also has worked for Carrington Mortgage, Capital Solutions Financial Group and Option One Mortgage. As sales manager at Option One, Toburen-Lacy led her team to the top 1% of the company’s sales force, originating hundreds of millions of dollars annually. “As a manager, she dedicated herself to her sales team and, through steady communication, was able to effectively cultivate, motivate and support her team to record-breaking success,” says a former coworker.

AMANDA SESSA Senior home loan consultant SWBC Mortgage

CRISTEN WHORL National underwriting manager Gold Star Mortgage Financial Group

A US Air Force veteran, Cristen Whorl served her country as an air traffic controller in the Gulf War. Today, as the national underwriting manager at Gold Star Mortgage Financial Group, Whorl oversees the seamless delivery of Gold Star’s comprehensive program portfolio to their 45 branches across the country. “Cristen’s unwavering commitment to providing exceptional loan quality and underwriting service in every region of the US is one of the reasons Gold Star consistently enjoys both customer and branch retention,” says CEO Daniel Milstein. Prior to joining Gold Star, Whorl’s unmistakable proficiency for process improvement in the areas of underwriting, operations and training protocol had been showcased in a number of leadership roles within the banking arena and with the US Department of Agriculture. “Every day presents new challenges within the fast-paced, ever-changing arena of mortgage lending,” Whorl says. “I love watching my team attack those challenges with creative, service-driven solutions. We put our customer first in all we do, and it shows.”

www.mpamag.com

In 1993, Amanda Sessa entered the mortgage business as a set-up girl with CTX Mortgage Company. After just a couple months, she moved up to loan processor. “I moved from processing into processing operations manager, all the while knowing my true calling was originating and sales,” she says. “I was a sponge and learned all I could and watched my originators and how they handled their business. I had the good fortune of learning under some of the best.” In 1997, Sessa finally realized her dream of becoming an originator, building her business by working out of her car so she could visit various Realtor offices in her area. That same year, she achieved her first million-dollar month, and she has been a Top 200 Originator since her start in the business. After serving as branch manager with WR Starkey Mortgage for a few years, Sessa joined SWBC Mortgage in 2010.

MPA SPECIAL REPORT

ELITE WOMEN CHRISTINA PHAM

JANET YELLEN

President

Chair

JMAC Lending

US Federal Reserve

In 2007, Christina Pham launched JMAC Wholesale Lending, deriving the company’s moniker from the first letter of each of her children’s names. Pham started off in the industry in as a bank teller and worked her way up the organizational ladder at various companies before forming her own. As president of JMAC, Pham collectively works with partners, employees and her leadership team to promote positive thinking and service the evolving needs of clients.

After earning her doctorate degree from Yale, Janet Yellen first came to the Federal Reserve as an economist in the 1970s after spending several years as an assistant professor at Harvard. In 2010, she became vice chair of the Fed’s Board of Governors and was appointed to her current post in 2014. Yellen is known for her vast knowledge on economics and has been an outspoken advocate for using the powers of the Fed to reduce unemployment.

LEIGH MCMAHON Loan officer United American Mortgage Corporation

COLLEEN COMEAU Executive mortgage banker William Raveis Mortgage

With 30 years of industry experience and a commitment to providing personalized customer service, Colleen Comeau’s goal is to achieve outstanding results for every client. Comeau began her career in 1986 as a loan processor, and has handled all aspects of mortgage lending, including processing, closing, underwriting and running an operations office. She got her feet wet on the sales side in 2003 at JPMorgan Chase, closing more than $50 million in her first year and achieving Leaders Club status for three years. She joined William Raveis Mortgage in 2013 and was awarded Rookie of the Year, and placed as one of the Top 10 loan officers at the company in 2014 and 2015. “I love my job and am thrilled that I have been able to assist so many families during my career,” Comeau says. “It’s a great feeling that past clients, Realtors, family and friends refer me as their ‘mortgage person for life.’”

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Leigh McMahon served as a Realtor with Coldwell Banker and a loan officer with JCL Financial before joining United American Mortgage in 2013 as a regulatory compliance officer. That role provided her with a training foundation to mange all aspects of mortgage transactions. Her philosophy is simple: “I believe in not only taking care of the client, but also the real estate agent who referred them to me,” she says. “I understand that communication and honesty is what people crave most. This understanding keeps me in constant contact with my borrowers and real estate agents.”

DAWN ROBINSON Southwest regional senior vice president PrimeLending

Having grown up in and around the mortgage industry, Dawn Robinson joined PrimeLending in 1999 as an assistant loan officer and eventually worked her way up to loan officer and processor. In her current position, Robinson oversees a region that produces $3 billion in annual revenue. She also is active in several professional organizations, including the Mortgage Bankers Association. Additionally, Robinson was recently selected to be part of the Master’s Coach Program, an exclusive program designed to bring together elite mortgage professionals and provide one-on-one coaching and collaboration to grow their businesses. This year, Robinson has also become increasingly active in Women of Courage, a group that advocates for victimized children by promoting prevention and increasing community awareness.

TERESA BRYCE BAZEMORE President Radian Guaranty

As president of Radian Guaranty, Teresa Bryce Bazemore oversees all of the company’s domestic and international mortgage insurance business operations. Before being appointed to her current role, Bazemore served as general counsel and corporate secretary for Nexstar Financial, where she held various executive positions before moving to the group’s mortgage insurance subsidiary. In addition to heading Radian Guaranty, Bazemore serves on the boards of various professional and nonprofit organizations, including the Mortgage Bankers Association, US Mortgage Insurers, the Kimmel Center and Public Media Company.

JILL KRAVIG BURNS EVP of operations

ANDREA FRANK VP of operations

Mountain West Financial

United Wholesale Mortgage

Jill Kravig Burns has been in the mortgage industry for more than 30 years, starting in high school, when her mother would drag her to her mortgage job every weekend to type up forms. After a stint in the medical field, Burns returned to the mortgage industry, which she describes as a “constant moving target.” She first joined Mountain West Financial in 2012 as senior vice president of operations, and now holds the role of executive vice president of operations. In addition to overseeing all back-office functions to ensure quality service and maximum productivity, Burns also helps set the company’s guidelines, policies and procedures. In addition to her professional duties, Burns is a certified executive coach and has been a member of the Porsche Club of America for more than 30 years, an interest she picked up from her father.

DEBBIE BEIER General manager GSF Mortgage Corporation

Debbie Beier has been with GSF Mortgage for the past seven years. In her current position as general manger, Beier manages all of the company’s the day-to-day operations. She started her mortgage career at GSF as an account executive, building the company’s wholesale division, and she has held varying positions in the industry throughout her career, including jobs in sales and the wholesale and retail channels. Outside of GSF, Beier has been a Girl Scout Troop leader for the past decade; she also serves on the advisory board at Lenders One.

Eleven years ago, Andrea Frank was looking for a new challenge and was given the opportunity to join a mortgage lending company – she hasn’t looked back since. Frank has been a dynamic game-changer for United Wholesale Mortgage. As VP of operations, she has streamlined the company’s efficiency in underwriting support and closing processes, ultimately benefiting mortgage brokers and borrowers by saving more than 5,000 hours of production time. Under Frank’s leadership, UWM has increased its output by more than 25%. Frank is constantly analyzing processes to identify improvement opportunities. She implemented a continuing education training program to reinforce best practices and ensure uniformity of processes. She also successfully guided UWM’s underwriting support and closing teams to manage a rapidly increasing workload, allowing daily loan volume levels to reach what had been a week’s worth of loan volume in the past. “I love ripping apart processes and trying to make them better ... as well as developing our team members,” Frank says. “Those are the two things I enjoy the most – I am very people and processdriven.” In 2015, her efforts were rewarded when she received UWM’s Pillar Award, recognizing her team member engagement initiatives and leadership.

www.mpamag.com

MPA SPECIAL REPORT

ELITE WOMEN JESSIE PACHAN Vice president Smarter Mortgages

BRANDI HEATHANDERSON Regional manager, Northern California Academy Mortgage

After working in escrow and seeing how many people had a terrible time buying a home, Brandi Heath-Anderson believed she could change the experience for the better by getting into the mortgage industry. As Academy Mortgage’s regional manager for Northern California, Heath-Anderson has led the region’s remarkable 33% growth in purchase volume over the past few years. Her year-over-year success has earned HeathAnderson Academy’s President’s Club honor for production for the past five years. “My proudest accomplishment professionally has been watching Academy Mortgage’s tremendous growth in Northern California over the past several years,” she says. “I have an amazing team, and it has been phenomenal to see the fruits of our labor, growing from one budding branch to a regionally recognized, multi-branch lender in full bloom. As our company has grown, I have grown as a leader, and most importantly, as a coach and mentor.” Heath-Anderson is also a member of Academy’s new product development committee and credit policy committee, as well as a member of the National Association of Professional Women. Last September, she participated in Academy’s Service Expedition to Amaru, Peru, where she was involved with building a much-needed reservoir for the village and a production center for a community of artisan weavers.

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Jessie Pachan began her career in the mortgage industry a little over 10 years ago as a loan processor. In 2008, Pachan joined Smarter Mortgages, where she has continued to climb up the ladder. In 2012, she closed more than $100 million in volume and moved into her current position of vice president. Last year, she not only closed $164 million in loan volume, but she also gave birth to her third daughter and started a nonprofit organization, 467 Foundation, to help provide life experiences for students in rural areas of Ohio. “There are many other women who want to strive for great things in their life, but they don’t know how,” Pachan says of the organization’s mission. “I have been focusing on how to take what I’ve learned and [develop] a program to help more women reach their dreams with no limits.”

MARY ADAMS Branch manager Movement Mortgage

Mary Adams brings her expertise in managing relationships within the real estate and mortgage industry to service Realtors at Movement Mortgage’s Ann Arbor, Michigan, branch. Before joining Movement Mortgage, Adams served as a mortgage loan officer at Ann Arbor Mortgage and a relationship manager with Citi. Adams is a member of several community nonprofit boards, is past president of her local historical society board, and actively participates in fundraising and charity events.

LAURA LEONHARD Branch manager Inlanta Mortgage

Mortgage industry veteran Laura Leonhard currently serves as the manager at Inlanta’s Marshfield, Wisconsin, branch. “I pride myself in being very open and down-toearth with my clients, giving them every available option so they are able to make an educated decision regarding home financing,” she says. “I feel very fortunate to be able to offer to my clients the opportunity to make their homeownership dreams a reality.” In 2012 and 2013, Leonhard was named Scotsman Guide’s number-one USDA Lender, and she ranked at number three for 2015. These days, Leonhard is in the process of training her adult son and daughter to join her team. She is also involved with the Central Wisconsin Board of Realtors and is a member of the Women Network of Realtors and the Chamber of Commerce in her hometown.

SARAH VALENTINI Co-founder and CEO Radius Financial Group

A mortgage professional with 20 years of experience in residential and commercial lending, Sarah Valentini launched Radius Financial Group in 1999. Under Valentini’s leadership, Radius was ranked by Inc. magazine as one of the nation’s fastest-growing private companies for five consecutive years. Earlier this year, Valentini was named chair for Habitat for Humanity’s South Shore Women Build. Valentini also serves as a mentor for Interise, an organization dedicated to stimulating economic revitalization in low-income communities. She is also a member of The Committee of 200, the Mortgage Bankers Association, the Women Presidents’ Organization and the Women’s Golf Association of Massachusetts.

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MPA SPECIAL REPORT

ELITE WOMEN CLAUDIA MERKLE EVP and chief of insurance operations National MI

Claudia Merkle joined National MI in 2012 as senior vice president of underwriting fulfillment and risk operations. Today, she taps into her 25+ years of mortgage banking experience to oversee insurance operations, underwriting fulfillment, risk operations, policy and default servicing. “Claudia possesses the extremely valuable combination of seasoned, technical mortgage industry knowledge; strong command of operational and risk management processes; innovative and open-minded thinking; and strategic understanding of customer needs from a sales perspective,” says a colleague. Prior to her role at National MI, Merkle was VP of national and regional accounts at PMI Mortgage Insurance for 15 years.

KELLE SMART Vice president

ROSELLA CAMPION

Academy Mortgage

Branch manager Mortgage Master

Kelle Smart enjoyed tremendous success as a loan originator in 2015, posting an increase in personal loan production from $27.8 million to $40 million – all while leading one of Academy Mortgage’s most successful branches. Smart has more than 30 years of experience in the mortgage banking industry, joining Academy in 1996 as a shareholder and vice president. In these roles, she is involved with numerous company initiatives and product development. Smart considers her role as a mentor for her production and operations teams to be her most important, but a close second is her relationships with her clients. “What I love most about my job is the close connection with people,” she says. “Working with a borrower on a mortgage loan is very personal. You learn a lot about their financial situation and about their lives. It is fun to be connected so closely and to get to know them so well. These relationships become long-term, as their lives – and mortgage needs – change throughout the years. It is a sincere honor to be included in their lives as a trusted advisor.” Smart is a member of Academy’s President’s Club, a recognition she has held every year since joining the company. She also currently sits on the board of trustees for a charter school in downtown Salt Lake City and has led fundraising efforts for Special Olympics Utah and the University of Utah’s College of Social Work.

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Beantown native Rosella Campion has spent more than 20 years in the residential mortgage business. From her branch in Boston’s South End, Campion assists her clients through the entire mortgage cycle. In 2015, Scotsman Guide ranked her number 142 for Top Dollar Volume; she’s held a place on the list since 2009.

LAUREN FRANK Senior loan originator AmeriSave Mortgage Corporation

A top originator, Lauren Frank has been a senior loan originator at AmeriSave Mortgage since it acquired her former employer, Discover Home Loans. In less than a year, Frank has already established herself as a member of AmeriSave’s President’s Club. “Lauren is a ‘no excuses,’ success-driven manager,” says a former colleague. “Her sales record within the company speaks for itself, as she was at or near the top of the list.”

NADIA AZIZ Chief commercial officer Optimal Blue

Nadia Aziz joined Optimal Blue in 2014 with more than 20 years of experience in financial services and extensive experience leading various marketing, sales, product management and business risk management functions. In her current position, Aziz heads the product management, sales and marketing functions, and is responsible for developing and delivering Optimal Blue’s commercial strategy.

CATHY ROBIN Senior loan advisor and branch manager American Mortgage & Equity Consultants

With more than 20 years of experience in the investment and mortgage industries, Cathy Robin has been fortunate to help many families with their financing needs. As a former fixed-income portfolio manager, Robin found the analytical skills she developed in that career to be a valuable tool in helping people to refinance or purchase their homes. Robin is consistently a top producer with her company and provides her customers a zealous attention to detail and priority service from application to closing. “Cathy is professional, caring and customerservice-driven,” says Jennifer Harazin, managing director at American Mortgage & Equity Consultants. “She provides the same level of service for the first-time homebuyer as she does for the jumbo buyers.”

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MPA SPECIAL REPORT

ELITE WOMEN MELISSA MARINO VP of operations Best Rate Referrals

Melissa Marino got a jump-start in the mortgage industry at 16 years old, working as an assistant to a high-producing loan originator at American One Finance. Just a short time later, she was promoted to senior loan processor and eventually transitioned to a client account manger for a local lender. In 2011, ready for a new challenge, Marino accepted a position as an internet marketing coordinator for Best Rate Referrals; within five years, she had ascended to her current role as VP of operations.

ALLYSON KREYCIK Senior loan officer Guaranteed Rate

Allyson Kreycik entered the mortgage industry 14 years ago, looking for a way to combine her financial expertise and passion for helping people. “I earned a degree in business and wanted to have a career in finance,” she says. “I also wanted a career where my days are spent helping people. The mortgage industry was a good match for that – and the ability to help people daily with their home financing needs is a perfect fit for me.” Kreycik has consistently been ranked among the top loan officers in the country, earning the number 80 spot in Scotsman Guide’s Top 300 Originators in 2014. She has been a member of Guaranteed Rate’s President’s Club since 2012 and joined the Chairman’s Circle in 2015. “Professionally, I am honored to have had the opportunity to help thousands of homeowners over the years with their home financing needs,” Kreycik says. “To have grown my business by hard work and doing the right thing for people to the point of being the top-producing female loan officer for my company is an honor.”

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LINDA MCCOY

OLGA KUCERAK

Owner and president

CEO

Mortgage Team 1

Crown Lending

Linda McCoy is owner and president of Mortgage Team 1, a full-service mortgage company offering commercial and residential loans. In addition to running her own company, McCoy also serves on the board of directors for the National Association of Mortgage Professionals.

Olga Kucerak is the president and CEO of Crown Lending, but her dedication to the mortgage industry doesn’t stop there. She also sits on the board of directors at the National Association of Mortgage Professionals and is a past president of the Texas Association of Mortgage Brokers.

DEBRA SHULTZ Senior vice president Guaranteed Rate

With more than 18 years of experience in mortgage lending, Debra Shultz is an expert in residential mortgage financing for all property types, including singleand multi-family residences, townhomes, condos, co-ops, condops, condotels, new developments, new construction, and conversions. She is headquartered out of Guaranteed Rate’s Manhattan office. Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors and, of course, her past clients. In 2012, 2013, 2014 and 2015, Shultz was a Guaranteed Rate National President’s Club member. Prior to her current position, Shultz served as a managing director at The Manhattan Mortgage Company, which was acquired by Guaranteed Rate in 2012.

AMY TIERCE Regional vice president Wintrust Mortgage

A 30-year real estate industry veteran, Amy Tierce is credited with growing Wintrust Mortgage’s footprint in the Greater Boston area by educating consumers about the company’s full product menu, while also recruiting new talent to create a team of dedicated professionals. After opening its doors in September 2014, Tierce’s branch in Needham, Massachusetts, was recognized as the number-nine branch in the company for volume production in 2015. Tierce is also an industry activist – she is constantly engaged with both mortgage and real estate boards, teaches CE classes for Realtors, is a nationally requested speaker and has been published repeatedly in national and local media.

BROOKE ANDERSONTOMPKINS President 1st Priority Mortgage

“When we help others achieve their goals, we achieve our own.” It is this desire that best sums up Brooke Anderson-Tompkins’ business philosophy. Anderson-Tompkins joined 1st Priority Mortgage in August 2007 after 20 years as president of her own small mortgage brokerage business, Anderson Funding. She currently serves as chair of the board of directors for the Community Mortgage Lenders of America, as a member of the LendersOne advisory board and as a member of the board of trustees for King Center Charter School. Anderson-Tompkins also previously served as a public member on the New York State Board of Public Accountancy, advising the board of regents and education department on matters of professional licensing, practice and conduct for the CPA profession.

KAY CLELAND

DENIELLE ALBERT

Owner

Executive account manager

KC Mortgage

LoanTek

Kay Cleland has a diverse background in the mortgage industry that spans more than 30 years. The owner of KC Mortgage, Cleland has spent time at companies such as Nationstar Mortgage, Bank United, National City Mortgage and GMAC Mortgage. In addition to her

Customer service and sales professional Denielle Albert recently broke into the mortgage industry in July 2014 when she joined the team at LoanTek. There, she works with brokers, bankers and lenders all across the US, assisting them in targeting

duties at KC Mortgage, Cleland is a member of the Castle Rock Chamber of Commerce, is a supporter of Toys for Tots and Special Olympics, and is involved with UsaCares.org, a nonprofit that helps military families. She also holds CRMS and CMC designations and is a Lending Integrity Seal of Approval holder.

their ideal clients. Albert previously worked at a publishing house and then at Apple, where she provided technical support for iOS devices. She is also the assistant volunteer director for St. Vincent’s, where she helps organize projects to send essential materials to countries in need.

WENDY PEEL VP of sales and marketing ReverseVision

Wendy Peel is a seasoned technology sales and marketing executive who is well versed in promoting B2B technology-driven enterprise solutions. Through her role as VP of sales and marketing, Peel communicates ReverseVision’s corporate goals and value proposition to the market. Previously, she served as vice president of sales and marketing for CommercePromote.

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MPA SPECIAL REPORT

ELITE WOMEN PAULINA MCGRATH President and CFO Republic State Mortgage

President and one of two shareholders of Republic State Mortgage, Paulina McGrath has been with the company since 1999. McGrath pursued a master’s degree in international affairs at George Washington University and worked with two international organizations in Washington, DC, before turning to commercial real estate and then mortgages. McGrath currently serves on the boards of directors for the Community Mortgage Lenders of America, the Texas Mortgage Bankers Association and The Women’s Fund. She’s also a founding member of Theatre Under the Stars Leading Ladies, group of volunteers dedicated to the advancement of the arts.

KELLY HENDRICKS Vice president Delmar Financial Company

BETH O’BRIEN

CINDY LAFFEY

President and CEO

Branch partner

Colony American Finance

Inlanta Mortgage

Beth O’Brien has more than 20 years of experience in the mortgage market as both a principal and an advisor. Prior to joining Colony American, O’Brien was executive vice president at Auction.com, where she ran the company’s residential capital markets division and set the financing strategy for the platform. In that capacity, she managed more than $2 billion in single-family and multifamily loan sales and multiple financing partners. She also founded AuctionFinance. com, a proprietary private lender geared at the investor market. In her two-plus decades in the industry, O’Brien has also held positions at Citigroup Global Markets, Goldman Sachs and Latham & Watkins.

An experienced home financing professional, Cindy Laffey is ranked nationally as a top 1% lender and will soon pass the $1 billion mark in career loan volume. It’s a far cry from where she started, visiting open houses during her lunch break to build relationships with real estate agents and form her brand. One of Laffey’s proudest accomplishments to date is being named to the Kansas City Business Journal’s Women Who Mean Business, a group of elite Kansas City businesswomen. Outside of Inlanta, Laffey is on the executive leadership team for the American Heart Association’s Go Red for Women event, which helps to raise awareness for heart disease in women.

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In addition to serving as vice president at Delmar Financial Company, where she oversees the organization’s processing, underwriting and internal quality control initiatives, Kelly Hendricks is the current president of the National Association of Professional Mortgage Women [NAPMW]. As the only national organization for women in the mortgage industry, NAPMW promotes new opportunities for the advancement of women and advocates for equal treatment of women in the industry. Under Hendricks’ leadership, NAPMW has seen significant revenue growth, an increase in membership, new corporate benefactors, and a 60% increase in attendance and sponsorship at its annual conference.

STACIE TAYLOR Branch manager Movement Mortgage

Born and raised in Georgia, Stacie Taylor has spent more than 14 years assisting Georgians with their mortgage needs. Taylor joined Movement Mortgage in 2015 after serving as branch manger at First Guaranty Mortgage Corporation. The Mortgage Bankers Association of Georgia has recognized Taylor as a Gold Award winner for her achievement within the mortgage industry, and she is a Summit Circle Gold Award winner for New Home Residential Loans.

TAWN KELLEY President Taylor Morrison Home Funding

Tawn Kelley has always believed in using finance as a sales tool. Believing that the mortgage is as important as the home purchase, she focused her career around new construction lending. She opened her own mortgage company and management business in 2001, partnering with production homebuilders like Taylor Morrison, Mattamy Homes and Neal Communities. Kelley eventually sold her successful businesses to Taylor Morrison in 2009 and now serves as president of Taylor Morrison Home Funding, as well as president of its financial services joint ventures. Kelley established a free qualification improvement program called Able, Ready, Own in 2011 to help families become better positioned for a home purchase. The program has graduated more than a thousand participants and has helped improved credit scores by an average of 50 points by educating consumers on their credit profile.

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MPA SPECIAL REPORT

ELITE WOMEN KATHLEEN HAYS Senior mortgage loan officer Great Western Home Loans

Though the mortgage industry may know Kathleen Hays as a top-producing loan officer, her peers know her as ”a long-time inspirational leader in an ever-changing industry,” as one colleague put it. Hays understands that success is not just an individual effort; it depends heavily upon the team surrounding you. In her case, a team of processors, closers and underwriters has allowed her to provide the best service to her clients and has led to accolades such as being named a top mortgage producer by Dallas lifestyle publication D Magazine for the past three years.

HELEN HANNA CASEY

MICHELE SCHAMBOUGH Vice president Iberia Bank Mortgage

President Howard Hanna Real Estate Services

Helen Hanna Casey is president of Pittsburgh’s largest residential real estate firm and the fourth largest real estate company in the nation, where she oversees over 200 offices and 7,300 sales associates and employees in eight states. Casey was the first woman to serve as president of West Penn Multi-List, and was also the first woman to serve as chair of the National Association of Realtors Real Estate Services Advisory Group. She has chaired other national groups as well, including The Realty Alliance, the NAR Large Firm Broker Involvement Board and the NAR Corporate Investors Council. Casey also has served on the NAR Executive Committee and regularly speaks at various industry events.

MARY ANN ARBOGAST VP of branch development

Michele Schambough has more than 30 years of experience in the Louisiana mortgage banking industry and currently serves as vice president at Iberia Bank Mortgage, where her expertise in origination, processing, underwriting and secondary marketing allows her to guide customers through the entire mortgage process smoothly. Since 1982, Schambough has been a member of the Realtor Association of Acadiana [RAA], serving on the organization’s board of directors and affiliate and public relations committees. She is also an active member of the Acadiana Mortgage Lenders Association.

Loan Simple

Mary Ann Arbogast began her career in 1979 at a national homebuilder and has held a number of positions in the mortgage industry since, including roles at American Southwest Mortgage, AmeriPro Funding and PMAC Lending Services. Her 30+ years of experience in retail and wholesale lending provided a strong foundation for her current position as VP of branch development with Loan Simple. Arbogast is active in several professional mortgage organizations and serves on the board of the National Association of Professional Mortgage Women. In addition to her professional duties, Arbogast is also a volunteer with the Navy Junior ROTC.

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MICHELE BARRETT VP of branch development Loan Simple

Michele Barrett’s experience in the mortgage industry spans more than 20 years and runs the gamut from owning her own brokerage to working for some of the largest mortgage companies. In 1999, she got her start in the industry as the VP of branch development for a local bank, where she found her passion for the business as she recruited for branches in all 50 states. In April 2015, Barrett joined Loan Simple, where she is responsible for procuring branches and individuals.

SHERRY APANAY Chief sales officer Finance of America Reverse

As chief sales officer at Finance of America Reverse [FAR], Sherry Apanay is responsible for all of the companyâ&#x20AC;&#x2122;s reverse mortgage sales channels. With experience in retail as well as wholesale, she has worked within the reverse mortgage industry for the past 24 years. Apanay began her reverse mortgage career at Unity Mortgage Corp., where she established the wholesale division, moving on to the wholesale and retail divisions of Generation Mortgage before being recruited by Urban Financial Group (which later became part of FAR). Apanay has been a member of the National Reverse Mortgage Lenders Association since its inception; she currently serves on the NRMLA board of directors and participated in developing the Certified Reverse Mortgage Professional designation, in addition to serving on the Independent Certification Committee and on the board of the National Aging in Place Council.

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MPA SPECIAL REPORT

ELITE WOMEN CHRISTINE MCGUIGAN

MARY ANN MCGARRY

VP of operations, Northeast region

Partner, president and CEO

HomeBridge Financial Services

Guild Mortgage Company

In more than two decades in the mortgage industry, Christine McGuigan has been involved in nearly all aspects of the field, including closing, underwriting, originating, capital markets and operations. McGuigan now serves as VP of operations for HomeBridge Financial Services’ Northeast region, in the retail division. Previously, she was a government underwriter at First Residential Mortgage.

Mary Ann McGarry has worked her way up the ladder at Guild Mortgage Company since she joined the firm in 1984. As Guild’s president and CEO, McGarry leads the development and execution of strategic plans and objectives, and directs all corporate and subsidiary operations. McGarry serves on the Mortgage Bankers Association’s Investment and Servicing Committees and is also a member of the Fannie Mae Advisory Council.

NEENA VLAMIS President A and N Mortgage Services

As the owner of A and N Mortgage Services, Neena Vlamis relies on her passion for home mortgages to drive her success. Scotsman Guide recently named her one of the Top 100 Mortgage Consultants across the county, and she’s also won Chicago’s Five Star Mortgage Consultant Award for the last two years.

DANA DILLARD EVP and chief customer officer

RISHA KILARU

Nationstar Mortgage

Mortgage loan consultant Prospect Mortgage

Risha Kilaru may have more than 20 years of mortgage experience, but she’s only been originating loans for eight years – and yet this short period of time has been filled with explosive growth. Located in the Bay Area, Kilaru has expanded her volume year after year, taking the fast lane to becoming one of the nation’s top-producing loan officers and a member of Prospect Mortgage’s $100 Million President’s Club. She attributes her success to her underwriting background, which gives her insight into structuring customer loans and meeting borrower needs, as well as her passion for helping people fulfill their dreams of homeownership.

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As Nationstar Mortgage’s executive vice president and chief customer officer, Dana Dillard is responsible for establishing and executing the strategies to improve the customer experience. Prior to joining Nationstar, Dillard worked at GMAC ResCap, where she managed the REO, liquidations and community outreach teams during the peak of the housing crisis. Dillard also has held other senior leadership positions at EMC Mortgage, Bank of America Mortgage and Lomas Mortgage. Dillard considers one of the highlights of her career to be leading the outreach efforts at HOPE NOW, an alliance between the US government, counselors, investors and lenders that helps homeowners who can’t pay their mortgages. From 2008 to 2010, Dillard traveled across the country with HOPE NOW, talking with hundreds of struggling families, and was awarded with the Five Star Institutes Humanitarian of the Year Award in 2009 for her efforts.

REGINA LOWRIE President and CEO RML Advisors

Regina Lowrie is the founder, president and CEO of RML Advisors, where she uses her 30+ years of experience in mortgage and lending to advise and consult clients. Lowrie’s background includes senior management positions in sales, operations, acquisitions and investments, enterprise risk management, regulatory oversight, and policies and procedures. In 2005, she became the first female chair of the Mortgage Bankers Association in the organization’s 94-year history. She was also the first woman to lead the local chapter of the Philadelphia Mortgage Bankers Association in 1995. In 2014, she received the American Association for Women in Community Colleges Trustee Award and the Montgomery County Community College Leading Woman Award.

ANITA PADILLA-FITZGERALD

DINA BARRERAS

President and CEO

Regional sales manager

MegaStar Financial Corp.

Carrington Mortgage Services

The founder of Denver-based mortgage company MegaStar Financial, Anita PadillaFitzgerald built the company from the ground up in 1999 with just one other employee. Today, MegaStar Financial employs more than 200 full-time staff and does business in 25 states. Padilla-Fitzgerald got her start in the industry when she was just 19, answering phones at Silver State Savings & Loan, and she has worked her way up through the ranks ever since.

Dina Barreras started in the mortgage

ASHLEI MCALEER Managing director Angel Oak Home Loans

Ashlei McAleer leverages her experience in the mortgage industry as well as her understanding of business administration, business development and management to lead the lending services department at Angel Oak Home Loans. As managing director, McAleer is responsible for overseeing retail lending operations, including setup, processing, underwriting, closing, post-closing and interim servicing. She also has a passion for talent recruitment, development, training and human resources. Prior to joining Angel Oak, McAleer worked in the operations team at Real Estate Mortgage Network, a division of HomeBridge Financial Services. She also served as an associate vice president and loan support manager at SouthStar Funding, where she began her mortgage industry career.

industry more than 18 years ago. “I was motivated and influenced by the success of my brother, Patrick, who had been in the mortgage industry for over 10 years at the time,” she says. “He helped me get my foot in the door, and it was at that point that a career in mortgage sales was an attainable goal I had set for myself.” Throughout her career, she has gained a thorough knowledge of pre-qualification guidelines and various loan programs, as well as a comprehensive understanding of underwriting parameters. Today, as Carrington Mortgage Services’ regional sales manager in the wholesale mortgage lending division, Barreras oversees a top-producing regional sales team consisting of 10 inside account executives and two area sales managers. Prior to joining Carrington, Barreras was area sales manager at Mortgage Solutions of Colorado, where she built a record of success in building and maintaining relationships with large-volume, high-profit accounts. “I love the fast-paced environment, and how it changes and evolves every day,” she says. “I’m constantly learning and enhancing my skills. I love being able to use my expertise to educate my brokers, peers and team members.”

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MPA SPECIAL REPORT

ELITE WOMEN LINDA MISTER

JANET MCCLUSKY

VP and branch manager

Chief financial officer

Highlands Residential Mortgage

Gold Star Mortgage Financial Group

Linda Mister serves the real estate needs of Fort Worth and surrounding areas. Mister has closed nearly 12,000 loans in her 35-year career, and she consistently ranks in the top 1% nationally, with more than $100 million in annual closings. She is a Diamond Award Winner and is in the Chairman’s Circle at Highlands Residential Mortgage. She’s also a major contributor to The Winners Circle Equine Rescue, a nonprofit organization that takes in sick, injured, abandoned or unwanted horses.

DEB MEOGROSSI

PENNY NELSON

Owner

SVP or mortgage operations

Mortgage Forums

Altavera Mortgage Services

Deb Meogrossi has held nearly every kind of job in the mortgage industry, including loan officer, processor, manager and now owner of her own mortgage company. At Mortgage Forums, Meogrossi recruits, manages and facilitates peer-to-peer forums on behalf of the Colorado Mortgage Lenders Association. Before starting Mortgage Forums, Meogrossi was senior vice president of operations at Cherry Creek Mortgage Company, where she oversaw operations, underwriting, closing, quality assurance, quality control and training. Meogrossi is also a co-founder of Women Helping Others, a giving circle dedicated to serving the needs of disadvantaged women and children.

Penny Nelson has been in the industry since APR was a new concept. A founding member of Altavera Mortgage Services, Nelson oversees all mortgage operations, including processing, underwriting, closing, quality control and training. She joined Altavera from Urban Lending Solutions, where she led the mortgage origination services group and oversaw its growth from 10 staff members to more than 300 in just 12 months. Prior to Urban Lending, Nelson spent more than three decades as a mortgage executive, senior underwriter, loan officer and processor. She also served as an instructor for the mortgage lender certification program with the Colorado Mortgage Lenders Association.

Since joining Gold Star Mortgage Financial Group in 2011, Janet McClusky has used her 25+ years of mortgage banking and accounting experience in her everyday duties as CFO. McClusky also serves on the company’s board of directors.

AIMEE QUINN Chief operating officer

NANCY HALL

Nations Direct Mortgage

Mortgage loan originator

As the chief operating officer of Nations Direct Mortgage and its subsidiary, Motive Lending, Aimee Quinn uses her 20+-year mortgage banking background to manage the company’s day-to-day functions, including finance, capital markets, compliance, sales, operations, human resources and marketing. Under Quinn’s leadership, Nations Direct continues to set records year after year, achieving more than $3.1 billion in funding in 2015. Prior to her current position, Quinn held various executive positions at New Century Mortgage, Homeview Lending, Pacific Community Mortgage, FDIC and ClearVision Funding.

Mortgage Advantage

Nancy Hall has been a successful loan originator since 1985, cultivating relationships with some of the top real estate agents on Long Island’s North Shore. She joined Mortgage Advantage in October 2001; prior to that, Hall originated loans at LoVuolo & Company and Blue Start Mortgage Group. Her success is based on the philosophy that providing each client with optimal customer service is of utmost importance. As a result of this commitment to her clients, Hall’s business is 100% referral-based.

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LAURA BRANDAO Chief operations officer American Financial Resources

Laura Brandao joined the wholesale and correspondent division at American Financial Resources in 2007. There, she’s responsible for processing, underwriting, closing and post-closing activities. She also serves on the executive committee and is critical to the development and implementation of the company’s quality control procedures. Brandao’s strengths include inspiring AFR staff to keep the loan process focused on the families behind each transaction. Brandao was made a partner in 2009 and is a key player in the formation, development and growth of AFR’s B2B division. Outside of her duties at AFR, Brandao is active with several nonprofits – she even co-founded ExpressionsNJ, an arts and theater nonprofit aimed at providing a safe environment for people of all ages to express themselves through the arts.

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MPA SPECIAL REPORT

ELITE WOMEN CARA COSTA VP and wholesale underwriting manger Franklin American Mortgage Company

Cara Costa returned to Franklin American Mortgage Company in 2014 as VP and wholesale underwriting manager after spending nearly three years with Churchill Mortgage Corp. Prior to her stint at Churchill, Costa was Franklin American’s first national wholesale underwriting manager, building and shaping the direction of the department.

LESLIE SMITH Managing director Silver Hill Funding

Embracing change and not being afraid to take chances led Leslie Smith to help launch Silver Hill Funding, a subsidiary of Bayview Loan Servicing, where she oversees sales and operations for the small-balance commercial lending division. Smith’s resultsoriented leadership has been instrumental in driving productivity and growth within the Bayview organization for nearly a decade. Her key contributions include building a banker education program, managing the top 50 correspondent relationships and leading expansion into international markets. She has also overseen project management, vendor management and process engineering groups within Bayview Loan Servicing. One of her proudest accomplishments to date has been her role in Bayview’s international expansion: “Going over to two markets, one in Germany and one in Spain, and being able to take a product, adjust it and see how it works in these markets, and solving a problem that is universal,” she says.

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SANDY GARCIA

LAUREN GARREN

VP of production, Eastern region

VP of production and sales

American Bancshares Mortgage

Freddie Mac

Sandy Garcia has held various positions in the mortgage industry, from sales to operations, in her 20+-year career. As vice president of production for American Bancshares’ Eastern region, Garcia is responsible for forming branches and recruiting throughout the region. Prior to joining American Bancshares, Garcia oversaw operations and production at Sierra Pacific Mortgage, where she was the Southwest regional manager. She currently is president of the Mortgage Bankers Association of Florida and serves on several industry boards.

As Freddie Mac’s vice president of production and sales, Lauren Garren provides strategic and tactical support to the production, sales, and affordable housing production and investment departments. Garren has more than 15 years of experience in a unique blend of areas, including financial, technical, process engineering and project management. Before being appointed to her current position, Garren served in various roles at Freddie Mac, including financial manager, finance director, enterprise risk senior director and chief of staff to the CEO.

AMANDA NILES Senior mortgage originator Finance of America Mortgage

For Amanda Niles, being a mortgage professional means more than financing homes; it’s about cultivating relationships based on trust and expertise. Her goal is to provide highly competitive interest rates and fees combined with amazing service and communication throughout the transaction so that each client is compelled to refer friends and family. Her specialties include conventional financing, investment properties, condominium projects, FHA, VA, USDA, 203K, rehab, new construction and home equity lines of credit. The National Association of Mortgage Professionals has twice named her one of the top 40 most influential mortgage professionals under 40.

LINDA DAVIDSON Vice president Service First Mortgage

Having grown up in government housing, Linda Davidson has a passion for helping hundreds of families achieve the dream of homeownership. Because of her interest in low- to moderate-income buyers, Davidson is certified as an FHA DE underwriter, as is the rest of her team. “This gives us a unique brand in the marketplace,” she says. “Although I am known as the ‘Government Queen,’ I average 40% of my business in conventional loans because of my reputation as the expert in my marketplace.” Davidson has been with Service First Mortgage since 1997; today, she leads and manages the top-producing branch in the company. “It is exciting for me to facilitate an environment of growth for others,” she says. To that end, she actively participates in continuing education development and is a national speaker in the industry.

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MPA SPECIAL REPORT

ELITE WOMEN LAUREN MAXWELL VP of sales and operations American Eagle Mortgage Co.

Lauren Maxwell’s commitment to customer service and strong background in the real estate industry have established her as a qualified lending specialist. Her goal is to provide her clients with a level of expertise and responsiveness that lasts throughout the entire loan process. Maxwell is currently American Eagle’s number-one producer in the country. In addition, Scotsman Guide ranked her at number 78 for Most Loans Closed, number 66 for Top Purchase Volume, number 12 for Top FHA Volume, and number 11 for Top USDA Volume in 2015.

PATTY GONG EVP of secondary marketing Parkside Lending

KAREN SAEZ

Patty Gong joined Parkside Lending in 2007 with nearly two decades of mortgage banking experience under her belt. Since that time, her notable accomplishments include building the company’s first pricing engine, rolling out its hedging protocol and adding the first loans to its servicing portfolio, and issuing the firm’s first mortgage-backed GSE securities and first GNMA security. Drawing on her experience, aptitude and self-starting personality, Gong transformed the firm’s secondary marketing operation into a hedging/trading model. And, during a historically volatile interest rate environment, she elevated Parkside’s secondary market execution while maintaining stable margins through her internally developed hedging models.

Senior vice president First American Mortgage Solutions

Karen Saez joined First American in 1984 in San Diego, where she served in various positions, including as regional counsel, overseeing claims and underwriting. She has chaired and served as the corporate underwriting sponsor for several of the company’s national underwriting practice groups and initiatives. Saez also sits on the State Legislative/Regulatory Action Committee for the American Land Title Association, the Forms and Practices Committee for the California Land Title Association and the Signing Professional Work Group.

JAN FITZER

MINERVA SIMPSON

President

Branch manager

Alerus Mortgage

Fairway Independent Mortgage Corporation

Jan Fitzer joined Alerus Mortgage in 2007 as a loan officer and served as managing director before being promoted to president in 2015. As head of the company’s mortgage division, Fitzer works directly with customers as an originator, tapping into her 25+ years of experience in the field and 15 years of experience in originating loans. Fitzer says her love of winning drives her to keep working hard to be the best she can be, both professionally and personally.

For the past six years, Minerva Simpson has managed and originated residential mortgages as branch manager of Fairway Independent Mortgage Corporation’s Harlingen, Texas, location. Prior to working at Fairway, Simpson was a branch manager at 1st Advantage Mortgage. In 2014, Simpson received the Affiliate of the Year Award from the Harlingen Board of Realtors, and her office was awarded the Valley Morning Star Reader’s Choice Award for Best Mortgage Company.

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CHERYL BRAUNSCHWEIGER VP and branch manager NOVA Home Loans

Cheryl Braunschweiger has been in the mortgage lending business for nearly 20 years. In 1999, Braunschweiger started her own mortgage business, ALMC Mortgage – an acronym for ‘All Loans Must Close,’ which reflects Braunschweiger’s own personal philosophy. In 2012, Braunschweiger joined NOVA Home Loans, where her knowledge of and passion for the industry help borrowers achieve homeownership.

JENNIFER RADER

KRISTEN SIEFFERT

AVP and national staffing manager

President

Franklin American Mortgage Company

Finance of American Reverse

Recruiting and staffing expert Jennifer Rader has more than 18 years of experience in national staffing, sales, management, business development, event planning and more. She joined the mortgage industry when she became Franklin American’s national staffing manager in 2012; prior to that, Rader was a division director at Robert Half International, an international staffing firm.

Since 2004, Kristen Sieffert has worked in various roles in the mortgage industry, including sales, customer relations, operations management and underwriting. Before being appointed as president of Finance of America Reverse in October 2015, Sieffert was the organization’s chief operating officer. She also has held management positions at One Reverse Mortgage and EquiPoint Reverse Mortgage.

ROBIN PATZERT VP of performance management and metrics Parkside Lending

Robin Patzert just celebrated her 20th year in mortgage banking, returning to her wholesale lending roots when she joined Parkside Lending in September 2015. Patzert grew up in the business, starting as a wholesale coordinator and ultimately taking on senior leadership roles in the retail and direct lending channels at CitiMortgage, JPMorgan Chase and LoanDepot. Some highlights of her career include winning a Presidential Award for her leadership of a new business unit, leading an operations integration for a major retail merger and creating key leadership training modules. She is currently working to build a data and intelligence infrastructure that will include a full suite of scorecards and KPIs for Parkside Lending and its supporting departments.

STEPHANIE DOMBROWSKI Mortgage loan officer Ent Credit Union

Stephanie Dombrowski’s loan volume numbers at Colorado’s Ent Credit Union have consistently earned her national recognition as a top producer. This spring, Scotsman Guide listed her at number 256 on its Top Dollar Volume list and number 85 for Most Loans Closed. “Those numbers ... reflect a real passion for educating and helping others,” says Tony Sloan, mortgage loan production manager at Ent. Dombrowski regularly presents mortgage seminars to industry professionals, as well as new homebuyers. She is also an active supporter of the Colorado Mortgage Lenders Association, the Housing & Building Association of Colorado Springs, Colorado Springs Young Professionals, the Women’s Council of Realtors, the Pikes Peak Association of Realtors and the Pikes Peak United Way.

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MPA SPECIAL REPORT

ELITE WOMEN MICHELLE LIU

AMIEE CARR

Director

Mortgage banker

CIT Real Estate Finance

Atlantic Bay Mortgage Group

Michelle Liu is in charge of the origination and underwriting processes at CIT Real Estate Finance. She joined the company in 2012 after serving as assistant vice president at Emigrant Realty Finance. In addition to her professional responsibilities, Liu also sits on the educational panel committee of the New York Real Estate Lenders Association.

After spending eight years as a Realtor, Amiee Carr made the jump to the mortgage business. Before joining Atlantic Bay Mortgage in February, Carr was a loan officer at Southern Trust Mortgage, where guided clients through the entire mortgage process, from loan application to closing.

TAMERA HARRISON Mortgage loan officer Planters First Bank

Tamera Harrison brings more than two decades of industry experience to her role as a mortgage loan officer at Planters First Bank. Throughout her career, Harrison has held a number of positions in the mortgage industry, including spearheading the mortgage vision of a community bank and serving as a mortgage loan officer at GMFS. Harrison is an active member of the Women’s Council of Realtors and Middle Georgia Board of Realtors and was named their 2015 Affiliate of the Year. She was also named Affiliate of the Year by the Home Builders of Middle Georgia and has been recognized with the Mortgage Bankers Association of Georgia Platinum and Gold Awards. According to Harrison, the key to her success has been maintaining relationships with her client base by sharing her knowledge of the diversified products across the mortgage spectrum.

NANCY PRATT VP of strategic partnerships and government affairs

NANCY ALLEY

Pavaso

VP of strategic partnerships Simplifile

As Pavaso’s vice president of business relationships and government affairs, Nancy Pratt is responsible for managing the company’s strategic relationships on a federal and state level, and understanding key regulatory issues and laws that pertain to the company’s operations. She is involved with sales support, as well as the promotion and development of digital mortgage solutions throughout the title agent network and lender segment of the industry. Pratt has been in the mortgage and title industries for more than 32 years, and she has 12 years of experience in the eMortgage/eClosing space, which helped her play a key role in leading the go-to-market and implementation strategies for both of Pavaso’s Consumer Financial Protection Bureau pilots. She is also a co-chair of the Mortgage Bankers Assocation’s MISMO eMortgage Group and a member of the Residential Technology Committee.

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Nancy Alley has dedicated her career to driving innovation and leveraging technology in the mortgage industry. She has an extensive knowledge of cloud-based offerings thanks to her experience running Xerox Mortgage Services, the provider of the BlitzDocs intelligent collaborative network. Prior to her current role at Simplifile, she also spent eight years at GE Capital Corporation, evolving her product management and business development skills in mortgage banking technology. As a co-chair of the eMortgage Group at the Mortgage Industry Standards Maintenance Organization, Alley is actively involved in driving adoption of industry standards.

SUE MELNICK Chief operating officer and chief compliance officer Bay Equity Home Loans

A licensed attorney for 21 years, Sue Melnick is an expert in litigation, mortgage compliance and consumer law. After serving as a consultant for Bay Equity, she joined the company full-time in 2012 as its chief compliance officer and is now also its chief operating officer. Melnick oversees compliance, legal, HR, operations, credit, post-closing and servicing for the retail mortgage lender.

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MPA SPECIAL REPORT

ELITE WOMEN MICHELE ZELVIS Mortgage advisor Angel Oak Home Loans

Mortgage and real estate professional Michele Zelvis came to Angel Oak Home Loans after stints as a mortgage consultant at Prime Lending and a mortgage planner at TideWater Mortgage Services. She sits on the community service council for the Raleigh Regional Association of Realtors and is involved with several other professional and community organizations.

SHAYLA GIFFORD Branch manager Guild Mortgage Company

PATTY ARVIELO

A fifth generation Nevadan, Shayla Gifford has been in the mortgage industry since she graduated from college. She is currently the manager of Guild Mortgage Company’s Reno, Nevada, branch. Prior to her current role, Gifford was senior loan officer with a Reno mortgage banker. She sits on the Marketing and Sales Committee for the Builders Association of Northern Nevada.

President and co-owner

New American Funding

SARAH CAVANAUGH

Mortgage maven Patty Arvielo got her start in the industry at just 16 years old, working in a clerical position for TransUnion Credit. In 2003, she and her husband, Rick Arvielo, launched their own company, New American Funding. Over the past decade, Arvielo has grown the company to more than 100 branches and 2,000+ employees nationally and has helped to bring the entire loan process in-house. Today, New American Funding finances more than $900 million in home loans monthly, a bottom-line that Arvielo continues to actively contribute to. As a proud Mexican-American, Arvielo set out to serve the underserved HispanicAmerican market four years ago and has built one of the largest sales forces in the industry dedicated to serving this market. Her community involvement includes serving on the executive board of Big Brothers Big Sisters Orange County and being a member of the National Association of Hispanic Real Estate Professionals. She also serves on both the Diversity Committee and the Consumer Affairs Advisory Council for the Mortgage Bankers Association, is a member of the Fannie Mae Affordable Housing Advisory Council and sits on the Freddie Mac Community Lender Advisory Board.

Quality assurance officer

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1st Reverse Mortgage USA

Since 2012, Sarah Cavanaugh has served as a quality assurance officer for 1st Reverse Mortgage USA, a division of Cherry Creek Mortgage Company. A 20+-year industry veteran, Cavanaugh specializes in retail and wholesale origination, servicing, operations and industry relations. Prior to her current role, Cavanaugh held various upper-level positions at Seattle Financial Group, Seattle Mortgage, EverBank Mortgage and more. She is a member of the National Reverse Mortgage Lenders Association, where she serves as co-chair of the association’s ethics committee.

JENNIFER SMITH Senior mortgage loan consultant SoFi

Jennifer Smith has more than 20 years of experience in the mortgage industry, and currently serves as a senior mortgage loan consultant at modern finance company SoFi. As the driving force behind SoFi’s expansion into key markets, including San Francisco, Seattle and Chicago, Smith originated more than $135 million in 2015. Prior to joining SoFi, Smith worked at Washington Mutual, National City Mortgage and Wells Fargo Home Mortgage. In 2015, Scotsman Guide recognized Smith as one of the industry’s top originators.

SUSAN MCHAN Co-founder, president and CEO Opes Advisors

As co-founder and CEO of Opes Advisors, Susan McHan provides leadership and direction for the firm by guiding policy, client services, strategic direction and business development, all while ensuring the company serves as a model of responsible lending. Like most, McHan entered the mortgage industry by happenstance. She planned to become a teacher and got a degree in secondary education, but while doing nonprofit work in management, she was offered a position with a mortgage group and has been in the industry ever since. Today, McHan leads a team of 168 mortgage and personal finance advisors who closed more than $3 billion in loans in 2015. Prior to Opes Advisors, McHan co-founded and served as president for Elliot Ames, a high-end mortgage bank and investment services company in the Bay Area. McHan has also served as an expert source for her local ABC affiliate, as well as local and national publications. She is a member of The Women of Silicon Valley Donor Circle, National Association of Womenâ&#x20AC;&#x2122;s Business Leaders and the Financial Womenâ&#x20AC;&#x2122;s Association.

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MPA SPECIAL REPORT

ELITE WOMEN INDEX BY COMPANY COMPANY

PAGE

NAME

COMPANY

PAGE

NAME

1st Priority Mortgage

Brooke Anderson-Tompkins

KC Mortgage

Kay Cleland

1st Reverse Mortgage USA

Sarah Cavanaugh

Loan Simple

Mary Ann Arbogast

A and N Mortgage Services

Neena Vlamis

Loan Simple

Michele Barrett

Academy Mortgage

Brandi Heath-Anderson

LoanTek

Denielle Albert

Academy Mortgage

Kelle Smart

MegaStar Financial Corp.

Anita Padilla-Fitzgerald

Alerus Mortgage

Jan Fitzer

Mortgage Advantage

Nancy Hall

Altavera Mortgage Services

Penny Nelson

Mortgage Forums

Deb Meogrossi

American Bancshares Mortgage

Sandy Garcia

Mortgage Master

Rosella Campion

American Eagle Mortgage Co.

Lauren Maxwell

Mortgage Team 1

Linda McCoy

American Financial Resources

Laura Brandao

Mountain West Financial

Tonya Todd

American Mortgage & Equity Consultants

Cathy Robin

Mountain West Financial

Jill Kravig Burns

AmeriSave Mortgage Corporation

Lauren Frank

Movement Mortgage

Mary Adams

AmeriSave Mortgage Corporation

Rebekah Balkcom

Movement Mortgage

Stacie Taylor

Angel Oak Home Loans

Michele Zelvis

National MI

Claudia Merkle

Angel Oak Home Loans

Ashlei McAleer

Nations Direct Mortgage

Aimee Quinn

Arch Mortgage Insurance Company

Cheryl Feltgen

Nationstar Mortgage

Dana Dillard

Atlantic Bay Mortgage Group

Aimee Carr

New American Funding

Patty Arvielo

Bay Equity Home Loans

Sue Melnick

NOVA Home Loans

Cheryl Braunschweiger

Best Rate Referrals

Melissa Marino

Opes Advisors

Susan McHan

Broadview Mortgage Corporation

Kelly Marsh

Optimal Blue

Nadia Aziz

Carrington Mortgage Services

Dina Barreras

Parkside Lending

Patty Gong

CIT Real Estate Finance

Michelle Liu

Parkside Lending

Robin Patzert

Colony American Finance

Beth O'Brien

Pavaso

Nancy Pratt

Crown Lending

Olga Kucerak

Planters First Bank

Tamera Harrison

Delmar Financial Company

Kelly Hendricks

PrimeLending

Diane Clark

Ent Credit Union

Stephanie Dombrowski

PrimeLending

Dawn Robinson

Fairway Independent Mortgage Corporation

Minerva Simpson

Prospect Mortgage

Risha Kilaru

Finance of America Mortgage

Amanda Niles

Radian Guaranty

Teresa Bryce Bazemore

Finance of America Reverse

Sherry Apanay

Radius Financial Group

Sarah Valentini

Finance of America Reverse

Kristen Sieffert

RE Financial Services

Valerie Saunders

First American Mortgage Solutions

Karen Saez

REMN Wholesale

Christine Toburen-Lacy

Franklin American Mortgage Company

Jennifer Rader

Republic State Mortgage

Paulina McGrath

Franklin American Mortgage Company

Cara Costa

ReverseVision

Wendy Peel

Freddie Mac

Lauren Garren

RML Advisors

Regina Lowrie

Gold Star Mortgage Financial Group

Janet McClusky

RPM Mortgage

Shelly Logemann

Gold Star Mortgage Financial Group

Cristen Whorl

Service First Mortgage

Linda Davidson

Great Western Home Loans

Kathleen Hays

Silver Hill Funding

Leslie Smith

GSF Mortgage Corporation

Debbie Beier

Simplifile

Nancy Alley

Guaranteed Rate

Allyson Kreycik

Smarter Mortgages

Jessie Pachan

Guaranteed Rate

Debra Shultz

Smarter Mortgages

Debbie Foley

Guild Mortgage Company

Shayla Gifford

SoFi

Jennifer Smith

Guild Mortgage Company

Mary Ann McGarry

Summit Funding

Alicia Blackwood

Highlands Residential Mortgage

Linda Mister

SWBC Mortgage

Amanda Sessa

HomeBridge Financial Services

Christine McGuigan

Taylor Morrison Home Funding

Tawn Kelley

Howard Hanna Real Estate Services

Helen Hanna Casey

US Federal Reserve

Janet Yellen

Iberia Bank Mortgage

Janice Weems

United American Mortgage Corp.

Leigh McMahon

Iberia Bank Mortgage

Michele Schambough

United Wholesale Mortgage

Andrea Frank

Inlanta Mortgage

Cindy Laffey

United Wholesale Mortgage

Linda Terrasi

Inlanta Mortgage

Laura Leonhard

William Raveis Mortgage

Colleen Comeau

JMAC Lending

Christina Pham

Wintrust Mortgage

Amy Tierce

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