Bryan BuddBryan Budd

SVP, Operations & Co-issue, Mr. Cooper

As a seasoned mortgage professional with 18+ years of mortgage leadership experience, Bryan joined Mr. Cooper in 2010, and currently leads Correspondent Operations and the Co-issue business for the firm.

Bryan, as Senior Vice President of Operations, plays a key role in the strategic vision for the channel and is instrumental in the development of the product, program, and technology roadmap for business to business lending at Mr. Cooper. Bryan holds a Bachelor of Arts in Business Management from Michigan State University. Additionally, Bryan is a member of Stratmor’s Correspondent Risk Forum and serves on the Mortgage Bankers Association’s Loan Production Committee.

Rob ChrismanRob Chrisman

Principal, Chrisman, LLC, Commentary, Mortgage News Daily

Rob’s best known for his free morning commentary on the mortgage business and the economy.

He began his career in capital markets 38 years ago in 1985 and his background includes hedging pipelines, running a small subprime company, speaking to companies and groups, and helping various companies with various issues on a consulting basis. While he was a partner at Tuttle & Company his clients included Supreme, AccuBank, and Mission Mortgage. He left the daily working world in late 2008 to focus on his family but continued to publish his commentary. He spends 4-5 hours a day on this and wakes up at 6AM CT time to check overnight news and edit the commentary before sending it out. He was on the board of directors of Peoples Bank in Kansas, sister company of Peoples National Bank of Colorado, and is still on the board of directors, or advises the boards, of several financial companies, and visits groups around the country consulting and speaking. He is a product of the California education system with a BS from Cal Poly, San Luis Obispo, and an MBA from UC Berkeley.

Michael DubeckMichael Dubeck

President, CEO, Planet Financial Group

Michael Dubeck is President and CEO of Planet Financial Group, a multichannel non-bank residential and commercial mortgage originator, servicer, and asset manager.

The Planet Financial Group family of companies includes Planet Home Lending, Planet Management Group, and Planet Renovation Capital. Planet is renowned for its expertise and specialization in the agency and non-agency lending and servicing sectors and is highly regarded for its direct and private client services offerings. A former Morgan Stanley Managing Director recognized for bringing Wall Street smarts to mortgage banking, Mike has built Planet into a multichannel juggernaut with a $62 billion servicing portfolio, a best-in-class retention division, a Top 10 correspondent lending channel and retail branches licensed in 47 states, Washington, D.C., Puerto Rico and the Virgin Islands. Mike was named a Top 25 Leader and Influencer by MReport, a Lending Luminary by Progress in Lending, and is a two-time HousingWire Vanguard Award winner.

Audrey L. FullerAudrey L. Fuller

Vice President of Diversity & Inclusion/Customer Care Manager, DHI Mortgage, Ltd.

Audrey Fuller joined DHI Financial Services (DHIFS), 29 years ago, and over the course of her career, has served in both Operational and Branch leadership roles for DHI Mortgage (DHIM).

In her current role as the Vice President of Diversity & Inclusion/Customer Care Manager, Audrey continues to provide strategic direction to ensure that Diversity, Equity, Inclusion & Belonging (DEIB) are anchored in, and at the heart of the organization. In tandem with serving in her DEI role, she also leads the Customer Care Department alongside an incredible group of hard-working teammates who provide support to internal and external partners to enhance and improve the overall customer experience. In addition to being an active member in several mortgage industry trade associations: (AREAA, NAMMBA, NAHREP and the MBA), Audrey is a Committee Co-chair for the first DEI Committee in the history of the Texas Mortgage Bankers Association (TMBA). In this role, she offers her leadership skills and passion for service to guide individuals and teams towards building productive and sustainable partnerships through the development and implementation of sustainable DEI strategies and initiatives. Audrey also enjoys spending time with her family, and in her free time she is a Certified Yoga Instructor and Meditation coach and facilitator. Audrey also enjoys writing poetry and short stories and has dreams of one day being a successful published author.

Alan GrahamAlan Graham

Founder, CEO, Mobile Loaves & Fishes

For Alan Graham, it is all about his relationships — with God, his family, staff members and certainly the homeless men and women he regularly engages on the streets of our community.

Alan is the founder and CEO of Mobile Loaves & Fishes. MLF is a social outreach ministry committed to providing permanent, sustainable solutions for the chronically homeless while surrounding them with compassion, love and dignity.

Those who know Alan best know that he is a man on a mission — to relieve the struggles homeless individuals face in obtaining their basic needs of food, community and a place to call home. Since its founding in 1998, Mobile Loaves & Fishes volunteers have served more than 6 million meals with a side of hope to homeless men and women living on the streets of Austin. The organization has also spawned similar food truck ministries in other cities across the U.S. With the support of more than 20,000 volunteers, Mobile Loaves & Fishes is the largest prepared feeding program to the homeless and working poor in Austin, Texas. Graham is also the visionary behind MLF’s Community First! Village — a 51-acre master planned development that provides affordable, permanent housing and a supportive community to the chronically homeless in Central Texas. While many Mobile Loaves & Fishes volunteers describe their experience as life changing, the organization’s mission to serve the homeless has perhaps changed no one more than Alan Graham himself. Previously a real estate investor and developer, Alan founded Trilogy Development and the Lynxs Group, which developed Austin’s airport cargo facility and similar facilities at airports around the country. Around the same time, Alan had the seed of the idea for Mobile Loaves & Fishes. He and the other founders started by making sack lunches and serving them from the back of a green minivan. Alan readily admits that their original paradigm of serving the homeless had some flaws, but with the help of a formerly homeless man, Houston Flake, they perfected the model that MLF successfully uses today. Alan and his wife, Tricia Graham, were married in September 1984 and have four children of their own and a niece that they raised as well. They welcomed their first grandchild in April 2022! Alan is a published author of the book Welcome Homeless: One Man’s Journey of Discovering the Meaning of Home.

Tim HarderTim Harder

National Reverse Marketing Specialist, Fairway Independent Mortgage Corporation

Tim has been in the mortgage industry 25 plus years and 17 of those years, specialing in reverse mortgages.

After seeing the common misconceptions of the FHA Reverse Mortgage, he has dedicated his career to educating Banks, Credit Unions, Loan officers Realtors and other financial professionals, allowing them to better serve their 62 plus age clients.

As the National Reverse Business Development Manager for Fairway Independent Mortgage Corporation, Tim believes for a large percentage of boomers and their adult children, education is the key to understanding the power of the reverse mortgage and the reverse mortgage for home purchase. There is a perfect storm on the horizon and a retirement crisis that can be avoided if we properly manage the trillions of dollars in home equity.

John IsrealJohn Israel

Founder and Chief Gratitude officer of Mr. Thank You

John Israel is founder and Chief Gratitude officer of Mr. Thank You, a consulting firm focused on client and team retention.

John one of the most sought after speakers and trainers who teaches real estate professionals how to achieve Uncommon Loyalty by developing thriving profitable relationships both inside and outside the organization. In 2016, John started a personal social experiment around “human connection” that became a world-wide movement, a book, and TEDx talk titled: The Mr. Thank You Project. John’s Mr. Thank You story has been featured on ABC News, Fox News, Good Morning America, and his clients include global brands such as: Square, Sales Force, Ronald McDonald House and many others. John’s goal is to Re-humanize the workplace and marketplace by teaching people how to express authentic gratitude, respect, and appreciation. He lives in Plano TX with his wife, four children and loyal Chihuahua.

Emily KerrEmily Kerr

Senior Business Economist, Federal Reserve Bank of Dallas

Emily Kerr is a senior business economist at the Federal Reserve Bank of Dallas.

As a member of the Research Department's regional group, she conducts research on regional economic issues, coordinates the production of and writes the release for the Dallas Fed's Texas Manufacturing Outlook Survey and helps produce the 11th District Beige Book—the Bank's survey of regional economic conditions. She also produces articles for various bank publications. Kerr holds a bachelor's degree in economics and an MS in economics from Baylor University.

Stacey Maisano, CMB, AMP, CMLStacey Maisano, CMB, AMP, CML

Director of Business Development, Polunsky Beitel Green, LLP

Stacey is an integral member of the Polunsky Beitel Green team responsible for expanding the firm’s business portfolio and providing exemplary customer service to existing clients.

She is widely known and highly respected in the lending industry, with more than 25 years of experience in virtually all aspects of residential mortgage originations. Before joining the firm, Stacey worked as a residential mortgage closer, underwriter, loan officer, escrow officer and title company closer. Her previous executive positions include serving as a lending regional sales manager, vice president of mortgage production, and lending managing director. This experience gives Stacey a keen understanding of how to best address the sophisticated issues that regularly confront residential mortgage lenders. Stacey regularly attends industry seminars, conferences, professional meetings and conventions throughout the country.

Mark McArdleMark McArdle

Assistant Director, Mortgage Markets Bureau of Consumer Financial Protection

McArdle leads a team that works closely with industry and other stakeholders to help inform the Bureau and the public on current and future trends in the mortgage origination and servicing markets.

Before CFPB, McArdle was the Deputy Assistant Secretary for Financial Stability at the U.S. Department of the Treasury. In this role, he led the office that managed the Troubled Asset Relief Program (TARP), including its remaining investment and homeownership preservation programs, and advised the Department on access to credit issues. He also held previous roles at Treasury including Chief Homeownership Preservation Officer and Director of the Hardest Hit Fund. McArdle has played a key role in policy development for the Home Affordable Modification Program (HAMP), and oversaw the creation of the Hardest Hit Fund, which provided funding to state housing finance agencies (HFAs) for foreclosure prevention efforts. McArdle has a Master’s degree in Urban and Regional Planning from the University of Wisconsin, and has spent twenty years working on issues related to housing, mortgage lending and homeownership in nonprofits and government in Chicago, New York and Washington, D.C

Elizabeth MillerElizabeth Miller, MA

AVP, National Training, DHI Mortgage, Ltd.

Elizabeth got her start in financial services in the credit industry, with nearly 15 years in sales and leadership over the Central Florida market. 

In her time with Credit Data Services and Experian, she honed her technical and communication skills and discovered the power of education in reaching business objectives. During the economic downturn, Elizabeth moved to Austin, TX and took the opportunity to focus on her own education and shift her career focus. In 6 years, she attended Austin Community College, University of Texas at Austin, and Texas State University. She taught a range of topics from Excel to Human Communication and earned 5 degrees, culminating in a Master of Arts in Training & Development. Elizabeth is now the Assistant Vice President of National Training with DHI Mortgage, the lending arm of D.R. Horton, America’s #1 Builder. Combining her business acumen and higher education specialization, she leads her team in delivering best-in-class training, such as new hire orientation, origination and processing systems, mortgage mastery for recent college grads, sales and communication, advanced leadership skills, diversity/equity/inclusion initiatives, and loan product launches. Mortgage trade associations are also focus, with Elizabeth currently serving as the TMBA Education Symposium Co-Chair and a member of the TMBA DEI Committee, TMBA Annual Convention Committee, and AREAA National Mortgage Committee. Elizabeth enjoys exploring different cultures and cuisine with her husband, Tom, and traveling to unique destinations with her 2 sons, daughter-in-law, and 2 granddaughters. Future goals include earning her PhD and publishing more writing.

Rob RossRob Ross

Vice President, National Production Manager of Reverse Mortgage Lending, PHH Mortgage

Robert is an industry veteran with more than 20 years of experience in the mortgage industry in both forward and reverse mortgage lending.

Currently, he serves as the Vice President, National Production Manager of Reverse Mortgage Lending at PHH Mortgage. Prior to PHH, he has held senior level Correspondent Lending roles at Truist Bank, BB&T, BOK Financial N.A and Goldman, Sachs & Co. Robert earned a Bachelor of Arts degree in Applied Psychology from the University of North Florida and a Masters of Business Administration from the Hass School of Business, University of California – Berkeley.

Nolan Turner, CMBNolan Turner, CMB

Managing Director, Carrington Mortgage Services Holdings

Nolan Turner heads strategic initiatives, growth/revenue objectives, and industry partnerships across Carrington’s 9 vertically integrated companies and 4,000 employees.

Nolan has touched a plethora of business and finance operations throughout his career with a special emphasis on Mortgage Lending (Wholesale, Retail and Correspondent), Mortgage Servicing, and Default Management (REO disposition, Property Preservation, Title & Settlement Services). Nolan has hands on experience in Capital Markets, RMBS Securitization, and both the buy / sell side of whole loan trading, Non-Performing / Re-Performing Loans, Mortgage Servicing Rights, and GNMA early buy outs. Prior to joining Carrington in 2010, Nolan held executive leadership roles within the Investment Bank at Wachovia, Wholesale Mortgage Operations at World Savings, and Real Estate Development Operations for East-West Partners. Nolan graduated with honors from the University of Nevada and holds undergraduate and post graduate degrees in international business and behavioral science (cognitive psychology). Nolan has also completed extensive MBA coursework in International Business at IE Business School in Madrid, Spain and Quantitative Analytics at the University of Chicago Booth School Of Business. Nolan has served on countless committees and boards within academia and the mortgage industry and is a graduate of the Mortgage Bankers Association (MBA) Certified Mortgage Banker (CMB) Program, MBA Future Leaders Program, and a Housing Wire Rising Star award winner. In his spare time, Nolan enjoys a host of outdoor activities (hiking, mountain climbing, fishing, snowboarding / skiing, golf) and has traveled widely, visiting more than 92 countries. Nolan was born and raised in the Reno / Lake Tahoe area and currently resides in Southlake, TX.

Marina B. Walsh, CMBMarina B. Walsh, CMB

Vice President, Industry Analysis Research and Economics Mortgage Bankers Association

Marina Walsh, CMB is Vice President of Industry analysis in MBA's Research and Economics Department, specializing in industry performance benchmarking for residential lenders and servicers.

Currently, she leads the management and direction for the Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program, the Weekly Forbearance and Call Volume Survey and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the National Delinquency Survey. In addition, Walsh conducts specialty workshops and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences. In 2020, Walsh received the Certified Mortgage Banker (CMB) designation, awarded to seasoned professionals seeking the ultimate recognition for professionalism and experience in residential mortgage banking. In 2016, she was named to HousingWire's "Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ. She holds a bachelor's degree from Cornell University and a Master of Public Administration degree from Columbia University.

Chris WhalenChris Whalen

Investment Banker, Author, Chairman of Whalen Global Advisors LLC

Richard Christopher Whalen is an investment banker and author who lives in New York City.

He is Chairman of Whalen Global Advisors LLC, and focuses on the banking, mortgage finance and fintech sectors.

Christopher is a contributing editor at National Mortgage News. He is a member of FINRA and Senior Advisor at J.V.B. Financial Group in New York. From 2014 through 2017, Christopher was Senior Managing Director and Head of Research at Kroll Bond Rating Agency, where he was responsible for ratings by the Financial Institutions and Corporate Ratings Groups. He was a principal of Institutional Risk Analytics from 2003 through 2013. Over the past three decades, Chris worked as an author, financial professional and journalist in Washington, New York and London. He has held positions in the House Republican Conference Committee, the Federal Reserve Bank of New York, Bear, Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings. Christopher holds a B.A. in History from Villanova University. He is the author of three books, including his most recent work “Ford Men: From Inspiration to Enterprise” (2017), a study of Ford Motor Co and the Ford family published by Laissez Faire Books. He is the author of "Inflated: How Money and Debt Built the American Dream" (2010) published by John Wiley & Sons; and co-author of “Financial Stability: Fraud, Confidence & the Wealth of Nations,” also published by John Wiley & Sons. Christopher has served on the Economic Advisory Committee of FINRA for over a decade. He served as an advisor on Season 5 of the SHOWTIME series “Billions.” Chris is a member of The Lotos Club of New York. He previously served as a fellow at Indiana State University (2008-2014), a member of the Finance Department Advisory Council at Villanova School of Business (2013- 2016) and board member of the Global Interdependence Center (2017-2019).

Kimberly YowellKimberly Yowell

Executive Vice President, Servicing Fairway Independent Mortgage Corporation

Kim Yowell, CPA, holds a BBA in Accounting from Texas Christian University, and has over 30 years of management experience in the financial services industry.

She started her career in the Accounting and Finance side of the mortgage business and has been focused on Servicing and Operations for the past 20 years. Kim has held key leadership positions at CTX Mortgage Company, First Horizon Home Loans, Metlife Bank, BoK Financial, and is currently the Executive Vice President of Servicing at Fairway Independent Mortgage Corporation. Kim has also served on the Freddie Mac Advisory Board, the MBA Loan Administration Committee, the Black Knight Servicer Advisory Board, and the Fiserv Servicing Advisory Board. Currently, she is a Five Star National Mortgage Servicing Association member, a MortgagePoint Editorial Advisory Board member, and serves on the Texas Mortgage Bankers Association Board. Kim and her beloved husband, John, live in Grapevine, Texas, and have two married children—who are also both CPA’s, and two precious grand-girls!



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