Mortgage Vault Podcast
31 episodes - English - Latest episode: over 1 year ago -Mortgage Vault podcast is for mortgage industry professionals who want to stay on top of the mortgage market trends. Every week you will hear from senior leaders at some of the largest mortgage lenders & servicers on how to stay ahead of the curve. https://www.vaultedge.com/
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Episodes
Winning in the current market by 'looking at the deal & not the decade': Brad Rice, CEO, Amerifund Home Loans
November 22, 2022 07:00 - 47 minutes - 33 MBIn this episode we are in conversation with Brad Rice, Founder & CEO at Amerifund Home Loans. Brad has close to three decades of experience across retail & wholesale lending. Brad shares key insights on how lenders could tide over the current market situation by 'looking at the deal & not the decade'. He elaborates that - current high interest rate macro-environment is a part of overall business cycle. Hence, there would always be potential home owners looking to purchase a home. However, ...
A playbook for default servicing excellence in high interest environment: Michael Merritt, BOK Financial
November 15, 2022 08:00 - 29 minutes - 20.7 MBIn this episode we are in conversation with Michael Merritt, Senior Vice President, Customer Care and Default Mortgage Servicing at BOK Financial. Mike is an expert in default servicing with 10+ years of experience across Mr. Cooper, Goldman Sachs & BOK Financial. Mike talks about the current "high interest rate" macro environment, how it's expected to shape default rates in 2023 and what servicers can do, to prepare for it. He also shares how artificial intelligence & ML is critical to k...
How Sagent is changing the paradigm for mortgage servicing with a technology-first playbook
September 28, 2022 11:00 - 49 minutes - 34.2 MBIn this episode, we are in conversation with Dan Sogorka, CEO & President of Sagent - a cutting-edge technology company that modernizes the lending and homeownership experience for loan servicers and millions of consumers across the country. In this episode, Dan talks about the service industry and what Sagent is doing differently to embrace the tumultuous mortgage market head-on. Dan also discusses how Sagent has embraced technology with its myriad of tools and the quintessential element o...
How Sagent is disrupting servicing technology space with its consumer first approach: In conversation with Dan Sogorka, CEO & President, Sagent.
October 12, 2021 12:00 - 38 minutes - 26.8 MBIn this episode we are in conversation with Dan Sogorka, CEO & President of Sagent Lending - a cutting edge technology company that modernizes the lending and homeownership experience for loan servicers and millions of consumers across the country. In this episode Dan dives deep into how mortgage servicing can be made seamless for the end consumer, especially when many borrowers are set to exit forbearance. He also talks about how servicers can improve customer retention by striking a bala...
How can servicers help consumers in the post forbearance period: In conversation with Gagan Sharma, CEO & President of BSI Financial Services
September 22, 2021 08:00 - 26 minutes - 18.2 MBIn this episode we are in conversation with Gagan Sharma, CEO & President of BSI Financial Services, a family of companies that specializes in loan subservicing and special servicing, loan quality control and loss mitigation services. Today, BSI services more than 175,000 agency and non-agency mortgages and is an approved servicer for Fannie Mae, Freddie Mac, FHA, VA and HUD, in addition to private investors. As post COVID relief is set to expire soon, Gagan talks about how mortgage servi...
Analyzing challenges for wholesale lenders in the current market conditions: In conversation with Kevin Parra, CEO & President of Plaza Home Mortgage
September 16, 2021 13:00 - 16 minutes - 11.2 MBIn this episode we are in conversation with Kevin Parra, Co-Founder, CEO & President of Plaza Home Mortgage - one of the largest wholesale & correspondent lenders in the country. Kevin talks about the key challenges for wholesale lenders in the second half of the year & what lenders need to do to navigate through choppy market conditions. He also talks about some of the initiatives at Plaza that is geared towards building a robust broker & TPO channel. Listen to the complete episode to l...
How lenders can build the right technology stack to build a competitive edge in loan operations: In conversation with Jay Promisco, Chief Production Officer at Sierra Pacific Mortgage
August 25, 2021 08:00 - 35 minutes - 24.6 MBIn this episode we are in conversation with Jay Promisco, President of Originations at Sierra Pacific Mortgage. Jay has over decades of experience in the mortgage industry and has been key in implementing several technology initiatives at Sierra Pacific including a custom LOS for retail & TPO - ExpressLoans. Jay talks about the key areas where technology implementations can help lenders become more nimble while reducing their cost of production. He also shares his framework of evaluating a ...
How can wholesale lenders leverage tech to improve market resilience: In conversation with Phil Shoemaker, President of Originations, Homepoint Financial
August 20, 2021 11:00 - 37 minutes - 25.8 MBIn this episode we are in conversation with Phil Shoemaker, President of Originations at Home Point Financial. Phil has over decades of experience in the mortgage industry and prior to Home Point, he served as the COO of Production at Caliber Home Loans. Phil helped us understand the key head-winds and tail-wind for wholesale lenders in the current market conditions. He specifically explains how to strike a balance between building the right technology suite in house while keeping the mort...
How AD Mortgage delivers the fastest turnaround time for non-QM loans in the industry: In conversation with Max Slyusarchuk, CEO, AD Mortgage.
August 12, 2021 13:00 - 17 minutes - 12.3 MBIn this episode we are in conversation with Max Slyusarchuk, President & CEO of AD Mortgage - by far the leader in non-QM lending space. Max talks about the importance of having in-house technology capabilities to develop custom automation tools for a swifter lending process. For example - AD Mortgage has built an automated underwriting system, ground up. This has helped them achieve the fastest turnaround time for non-QM loans in the industry, that is, less than 48 hours. Dive into this e...
What really matters to lenders & servicers, when it comes to technology: in conversation with Lisa Springer, CEO at STRATMOR Group
August 05, 2021 12:00 - 26 minutes - 18.1 MBIn this episode we are in conversation with Lisa Springer, CEO & Senior Partner at STRATMOR Group. Lisa has over 3 decades of experience in mortgage technology space and currently she heads all strategic initiatives, client experience & technology advisory services at STRATMOR Group. We had a very insightful conversation with Lisa on the state of technology adoption in the mortgage industry - functions where adoption is either leading or lagging amongst lenders & servicers. She also spoke ...
CX, automation led efficiency & other toolkits for lenders to improve market preparedness: in conversation with Jamie Cavanaugh, COO at Amerifund Home Loans
July 29, 2021 12:00 - 27 minutes - 18.8 MBIn this episode we are in conversation with Jamie Cavanaugh, COO at Amerifund Home Loans. Jamie talks about her early years in the mortgage industry & how she overturned professional odds during the 2007-08 meltdown to come back stronger & resilient She also shares her insights on how mortgage lenders can better prepare themselves to face market uncertainties and margin compression. Taking this further, she elaborates on a detailed toolkit to help lenders achieve this very goal - this inclu...
How present macro-economic conditions will impact secondary markets: in depth conversation with Shawn Ansley, Managing Director, Vice Capital
July 23, 2021 13:00 - 15 minutes - 10.5 MBIn this episode we are in conversation with Shawn Ansley, Managing Director at Vice Capital. Vice Capital is a leading hedge management service provider that helps banks, credit unions and mortgage companies manage interest rate risks and maximize profitability in MBS trades and mortgage-related transactions in the secondary market. Shawn shares his perspectives on how secondary markets are expected to perform in the current market conditions. He also talks about the recent automation initi...
How to deploy a technology stack for a better, faster & cheaper lending experience: In conversation with Kevin Peranio, Chief Lending Officer at PRMG
July 15, 2021 10:00 - 21 minutes - 14.8 MBIn this episode we are in conversation with Kevin Peranio, Chief Lending Officer at PRMG. Kevin is focused on growing PRMG to $1 billion a month in loan volumes with a focus on all aspects of the lending process up to the point of funding. We had an amazing time talking to Kevin about how technology can be used to improve the lending experience for two major borrower demographics - racial minorities and millennials. Kevin also shared his framework of choosing & deploying a technology stack...
In conversation with Eddy Perez, CEO at EPM: On all things - leadership, racial equity in lending and surviving the pricing war.
July 12, 2021 05:00 - 35 minutes - 24.2 MBIn this episode we are in conversation with Eddy Perez, Co-Founder & CEO at Equity Prime Mortgage. Eddy talks about his early years in the mortgage industry & how he pivoted from a being a broker partner to running a full suite mortgage lending company. He also shares his playbook of building a bottom up approach to leadership and driving an organizational culture of transparency. Towards the second half of the conversation Eddy talks about his view - on improving racial equity in homeow...
Driving impact in minority lending, women empowerment & culture of mentorship: with Patty Arvielo, Co-Founder & President at New American Funding
July 05, 2021 07:00 - 35 minutes - 24.3 MBIn this episode we are in conversation with Patricia Arvielo, Co-founder & President at New American Funding. Patty's inspiring journey in the mortgage industry started when she was just sixteen, functioned in various capacities from underwriting to processing before co-founding & growing New American Funding. Being a Latina herself, Patty took a hands-on, bottom up approach in understanding & solving the homeownership problems for the Hispanic community members in the country. Today N...
How people centric leadership can be an edge in a hyper-competitive market: In conversation with Alexander Rosenblum
June 25, 2021 10:00 - 42 minutes - 29.4 MBPeter Drucker once famously said - "Culture eats strategy for breakfast." All successful leaders recognize that culture of your company always determines success regardless of how effective your strategy may be. In this episode, Alexander Rosenblum, CEO at Axia Home Loans shares how a people centric leadership empowered his teams & employees to align their personal ambitions with company goals. This is also reflected in how the Axia Home Loans is structured - It is America's first 100% empl...
How to 'Build your own doors to be able to walk through them': in conversation with Laura Brandao, President at American Financial Resources
June 18, 2021 12:00 - 48 minutes - 33 MBIn this episode we are in conversation with the very charismatic - Laura Brandao, President at American Financial Resources (AFR). Laura's life story is nothing short of extra-ordinary. She candidly talks about her early professional years & how she dove-tailed it through passion, hard-work and extreme ownership. Today she is a business leader who dons many hats. While she heads AFR, she is also a very influential thought leader, a champion of women equity in mortgage industry, a motivatio...
Building an effective customer experience strategy to thrive in the present housing market conditions: In conversation with Craig Strent, CEO at Apex Home Loans
June 03, 2021 10:00 - 24 minutes - 16.6 MBMortgage lenders are operating in a highly competitive environment with declining refi volumes and dwindling housing supply. The question is - how do they rise above the rest and become the 'partner of choice' for prospective borrowers. In today's episode, we are in conversation with Craig Strent, CEO at Apex home loans to understand the building blocks of a successful customer experience strategy. Craig talks about his 360 degree approach towards customer delight & the exact steps his comp...
How can lenders unlock value by striving for racial equity in lending: In conversation with Mark A.Jones, CEO at Amerifirst Home Mortgage
May 27, 2021 10:00 - 37 minutes - 25.5 MBAmerifirst Home Mortgage is one of the fastest growing financial company, as recognized by Inc. magazine, with presence in over 70 locations nationwide. In this episode we are in conversation with Mark A.Jones, CEO at Amerifirst to get his views on equity in home ownership and impact of fair lending regulations on IMBs. Mark also shares how Amerifirst has been able to institute - home ownership equity in hispanic community as a key business driver. Listen to the complete episode to learn ...
How to build a winning culture at your company: An exclusive interview with David Lykken, CEO at Transformational Mortgage Solutions
May 19, 2021 07:00 - 38 minutes - 26.5 MBIn this special edition we are in a candid conversation with David Lykken. David is a 43 year industry veteran, has been an owner-operator of three mortgage banking companies, a software company and several leading consulting firms. He is currently the founder & CEO of Transformational Mortgage Solutions that helps companies grow through Consulting, Executive Coaching and Communication strategy. He is also the host of the very famous weekly radio podcast, Lykken on Lending, that is heard M...
CEO perspective on customer excellence - "Treat every loan file as a person's financial autobiography": In conversation with James Nader, CEO at McLean Mortgage
May 13, 2021 05:00 - 56 minutes - 39.1 MBMcLean Mortgage is a rapidly growing home mortgage lender based out of East Coast that was featured by Energage as a winner of the 2021 Top Workplaces USA. In this episode, we are in conversation with James Nader, CEO at McLean Mortgage Corporation to understand his unique perspective on - why humanizing the lending process has been core to their customer excellence strategy. James also shares his insights on the impact of rising interest rates, forbearance exit and fed tapering on homeown...
How a focus on millennial homeowners can drive sustained growth for mortgage lenders: In conversation with Dan Holtz, CEO at Sovereign Lending Group
May 05, 2021 09:00 - 32 minutes - 22.7 MBSovereign Lending Group is a fast growing mortgage lender based out of California that has a laser sharp focus on millennial borrowers. It is this focus, that has helped them build a young workforce & a culture that mirrors the aspirations of its customers. In this episode, we are in conversation with Dan Holtz, CEO at Sovereign Lending Group to understand how homeownership trend is likely to shape up amongst millennials. He further examines how factors like interest rates, COVID vaccinatio...
How a focus on culture, customer experience & process can drive 10x growth: In conversation with Rich Weidel, CEO at Princeton Mortgage
April 28, 2021 14:00 - 42 minutes - 29.1 MBIn 2018 Princeton Mortgage set out a target of 50,000 loans by 2028 - fast forward to 2020, it had already achieved this and is set to clock $ 1 billion in loan volumes. It is one of the fastest growing mortgage companies with a customer satisfaction score of 98 ! In this episode, we are in conversation with CEO - Rich Weidel to understand how he built a high performance culture at Princeton Mortgage that delivers the best customer service experience a.k.a "The Effortless Mortgage Experien...
How the Mortgage collaborative brings 'Power of Network' to mortgage lenders : In conversation with Rich Swerbinsky, COO at The Mortgage Collaborative
April 22, 2021 13:00 - 27 minutes - 19 MBIn this episode we are in conversation with Rich Swerbinsky, COO at The Mortgage Collaborative (TMC). Over the years, TMC has grown into a powerful networking & collaboration platform for mortgage lenders. Rich shares how TMC helps lenders leverage the power of network through its networking workshops, events and collaboration labs. He also shares the vision for the recently launched TMC fund - that intends to invest in fintech companies to expedite technology adoption in mortgage lending ...
Can VA lending be the next big thing in mortgage markets: In conversation with Michael Oursler, COO at NewDay USA
April 14, 2021 10:00 - 25 minutes - 17.3 MBVA backed mortgages made up 9.1% of new home sales in the first quarter of 2020, the largest market share since early 2016. Can it stay on a sustained growth path to increase its market share even further ? In this episode, we are in conversation with Michael Oursler, COO at Newday USA to explore just that. NewDay USA is one of the top 10 - VA lending institutions in the country, with a projected revenue figure of close to $500M in 2021 and loan volumes of $ 9 bn. Michael shares his insig...
How will interest rates shape mortgage originations in 2021 : In conversation with Steven Plaisance, Mortgage Banking President at Gateway First Bank
April 07, 2021 11:00 - 28 minutes - 19.9 MBWe are experiencing a historic low in mortgage interest rates, with rates going below 3% - how will this trend shape up in 2021 & 2022 ? What will be its impact on purchase & refinance originations ? In this episode, Steven Plaisance, answers just that. Steven Plaisance is currently the President of Mortgage Banking at Gateway First Bank. Prior to Gateway First Bank, Steven served as the CEO of Mortgage Division at Arvest Bank. In today's conversation, Steven candidly shares his perspecti...
How technology became key to operational excellence during COVID-19: In conversation with Bryan Budd, Senior VP at Mr.Cooper
March 31, 2021 14:00 - 25 minutes - 17.9 MBHow can technology help mortgage lenders & servicers ensure not only business continuity but also operational excellence during these uncertain times ? In this episode, Bryan Budd shares his experience of how technology adoption played a crucial role in handling loan volumes of $ 5 billion during a pandemic year . Bryan is currently the senior vice president for correspondent operations at Mr.Cooper. Bryan has been key in growing Mr. Cooper’s correspondent channel and co-issue program to ...
State of technology adoption in mortgage industry: In depth conversation with Matthew Lehnen, CTO at Deephaven Mortgage
March 24, 2021 19:00 - 26 minutes - 18 MBAre we close to universal adoption of technology in the mortgage industry ? In this episode, Matthew Lehnen cross examines this question based on his experience of leading technology infrastructure with one of the largest non-QM lenders in the country. Matt is currently the CTO at Deephaven - a premier provider of private-capital liquidity for Non-QM residential mortgage loans & with a mission to rebuild the non-government mortgage markets. In this episode, Matt candidly shares: How h...
Can digital closures be a reality for the mortgage industry in 2021: In conversation with Mike Lyon, EVP at NexsysTech
March 18, 2021 12:00 - 52 minutes - 36.2 MBIs digital closure set to lead the next wave of disruption in the mortgage industry ? In this episode, we are in conversation with Mike Lyon , to explore just that. Mike is currently the EVP at Nexsystech - a part of Rock Financial Group. He drives business growth for two flagship products that provide a full spectrum digital closing experience for customers. With an experience of over 30 years in mortgage operations, Mike is a key authority in digital mortgage closures. In this episode...
Can digital closures be a reality for the mortgage industry in 2021: In conversation with Mike Lyon, EVP at NexsysTech
March 18, 2021 12:00 - 52 minutes - 36.2 MBIs digital closure set to lead the next wave of disruption in the mortgage industry ? In this episode, we are in conversation with Mike Lyon , to explore just that. Mike is currently the EVP at Nexsystech - a part of Rock Financial Group. He drives business growth for two flagship products that provide a full spectrum digital closing experience for customers. With an experience of over 30 years in mortgage operations, Mike is a key authority in digital mortgage closures. In this episode...
Key trends to shape mortgage markets in 2021 - in conversation with Stan C. Middleman, Founder & CEO at Freedom Mortgage
March 10, 2021 13:00 - 42 minutes - 29.4 MBIn this inaugural episode, we are in conversation with Stanley C. Middleman, founder & CEO at Freedom Mortgage. Stan not only founded Freedom Mortgage but also transformed it into one of the most successful mortgage lending institution in the country - with a customer base of more than 1.7 million. In this episode, Stan candidly shares: His journey of founding & growing Freedom Mortgage over the past 30 years. What are the key factors in ensuring resiliency & long term success in mortgag...