!DOCTYPE html> TMBA | 105th Annual Convention


Anurag Agarwal, PhD

President, RiskExec

In addition to leading RiskExec, Dr. Agarwal is also a recognized expert and a financial services industry veteran with over 20 years of experience in fair lending, Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), and related areas. Anurag oversees the RiskExec line of compliance technologies offered by Asurity.
During his career, Anurag has consulted with and advised large financial institutions in the areas of compliance, fair lending, statistical analysis, and regulatory risk management. He is the main architect, designer, and developer of RiskExec, a leading web-based suite of lending products and technologies used by the internal audit functions of several top 25 national banks and other mortgage lending institutions. Anurag also wrote the statistical sampling routines which are used in the RiskExec software.

Shane Beesinger

VP of Correspondent Lending, FGMC

Native Texan Shane Beesinger has been in the mortgage industry for 20 years spanning from Originations, Agency, MI, AMC and Correspondent Sales experience and relationships. Today Shane manages the Central Region Correspondent Sales for First Guaranty Mortgage Corp. headquartered in Plano, Tx. with a high focus of serving both the Non-Agency & Agency markets along with client relationships. Shane’s background and expertise allows him to bring a high level of value to FGMC’s customer base.
Shane currently resides in Prosper, Tx with his wife and 2 kids.


James Clapp

President, Certainty Homes, President, TMBA 2020-2021

Jim Clapp has been the President of Certainty Home Loans since 2011, and was President and CFO of the company from 2011 to 2018. Clapp is responsible for the strategic direction of Certainty Home Loans and oversees the executive leadership team.

During his seven years as CFO, Clapp was responsible for the management of all financial and accounting functions for the company. Prior to joining Certainty Home Loans, Clapp gained more than 17 years of experience in commercial banking with a focus on mortgage warehouse lending with Guaranty Bank and GMAC/RFC.

Erin Dee

Chief Operating Officer, Founding Partner, LoanPeople LLC

For 19 years, Erin has worked in mortgage lending in a wide range of capacities, which include: underwriting, compliance, secondary marketing, LOS administration, training and operations management. Erin participates in industry advocacy groups and is honored to serve on the Texas Mortgage Bankers Association board of directors. Erin earned her B.S. in Finance with University Honors from the University of Central Florida, and her M.B.A. in Finance from Nova Southeastern University.



Odeta Kushi

Deputy Chief Economist, First American Title Insurance Company

Kushi conducts research around demographic trends, millennials and homeownership. She also monitors and analyzes surveys and economic data related to the housing industry. Her research has been published in leading business and industry trade publications, such as The Wall Street Journal, Business Insider, and Forbes, and she is a guest on high-profile broadcast news channels, including Bloomberg and CNBC.

Kushi graduated from Northeastern University with a master's degree in Applied Economics, specializing in microeconomics and applied econometric methods, and she earned a bachelor's degree in Economics from St. John Fisher College, earning the title of Summa Cum Laude. While originally from Albania, she now lives and works in the Washington, D.C. area.

Michael Lewis

Best Selling Author of 'The Fifth Risk', 'Moneyball', 'The Blind Side', 'The Big Short'

A sharp observer of politics, finance, and the evolution of American culture, Michael Lewis combines keen insight with his signature wit, making him one of today’s leading social commentators. Lewis’ program takes a fresh, hard look at the ever-changing value systems that drive our economic markets, political landscapes, and cultural norms, and how organizations can adapt their thought strategies to facilitate growth among all three.

Mr. Lewis is a columnist for Bloomberg News and a contributing writer to Vanity Fair. His articles have also appeared in The New York Times Magazine, The New Yorker, Gourmet, Slate, Sports Illustrated, Foreign Affairs, and Poetry Magazine. He has served as editor and columnist for the British weekly The Spectator and as Senior Editor and campaign correspondent for The New Republic. He has filmed and narrated short pieces for ABC-TV’s Nightline; created and presented a four-part documentary on the social consequences of the internet for the BBC; and recorded stories for the American public radio show, This American Life.  Mr. Lewis grew up in New Orleans and remains deeply interested and involved in the city. He holds a Bachelor’s degree in Art History from Princeton and a Master’s degree in Economics from the London School of Economics.

Michael D. McAuley

Principal at Garrett, McAuley & Co.

Senior Banking Executive and Mortgage Industry Consultant with more than twenty years of experience in developing and managing credit, depository and other income-producing relationships with small and medium-sized businesses. Highly skilled in developing and supervising asset-based commercial lending programs, including making credit decisions. Major strengths include: motivating and supervising lending personnel; working within large organizations to develop and implement desirable lending programs; coordinating multiple operational and administrative areas to achieve goals; and managing all credit and administrative aspects of asset-based lending. Specialties: Mortgage warehouse lending, mortgage industry consulting, asset-based lending, financial sales management, mortgage warehousing operations management, credit management, loan workouts. Specialties: Mortgage warehouse lending, mortgage industry consulting, asset-based lending, financial sales management, mortgage warehousing operations management, credit management, loan workouts.

Brian D. McKinney

Chief Executive Officer, Benchmark Mortgage

Mr. McKinney joined Benchmark Mortgage in 2011 as Chief Financial Officer and moved into the Chief Executive Officer role in 2016.

With more than 20 years’ experience in Consumer Finance and Mortgage Banking, he has previously held leadership positions at GMAC Mortgage, CTX Mortgage, and MBNA America.
Brian holds a Bachelor's Degree in Finance from the University of Texas and a Master’s degree from Baylor University. Brian lives in Rockwall with his wife and two children and currently serves as the President of the Board of Trustees for Heritage Christian Academy.


Andrea K. Mitchell

Managing Partner, founding partner, Mitchell Sandler LLC.

Ms. Mitchell is a nationally recognized adviser to banks, financial service companies and third-party service providers on enforcement and regulatory compliance matters. She frequently advises clients on board governance and bank regulatory issues, including supervisory appeals, merger and acquisition strategy, supervisory relations, and examination management. Chambers USA has named Andrea a Recognized Practitioner in the area of Financial Services Regulation: Consumer Finance (Compliance). Legal 500 has recognized her for Financial Services: Regulation, and Best Lawyers recognized her for Banking and Finance Law. She is a Fellow of the American College of Consumer Financial Services Lawyers.

Brian D. Montgomery

Chairman and Co-Founder, Gate House Strategies, LLC

Brian served as the Deputy Secretary of the U.S. Department of Housing & Urban Development (HUD) until January 2021.  Montgomery was previously confirmed by the U.S. Senate in May 2018 as the Federal Housing Commissioner—Assistant Secretary of Housing at HUD. Montgomery’s confirmation marks the first time an individual has served as head of the Federal Housing Administration (FHA) twice, and under three different Administrations.  Montgomery was a Co-Founder of the Collingwood Group in 2009 (now SitusAMC).

As Deputy Secretary, Montgomery oversaw both the FHA and Ginnie Mae while also managing the day-to-day operations of the agency including Disaster Recovery, the Office of the Chief Financial Officer, the Office of the Chief Information Officer, and the Office of Administration. Montgomery also advised and assisted the Secretary in leading the Department’s nearly 8,000 employees and $53 billion annual budget. Montgomery oversaw more than $55 billion in Disaster Recovery funding targeted at 17 states and the Commonwealth of Puerto Rico. 

Montgomery led the agency’s COVID-19 response which included a myriad of process and policy modifications and extensive coordination with the Consumer Financial Protection Bureau (CFPB) and Federal Housing Finance Agency (FHFA) to assist FHA borrowers impacted by the coronavirus. Montgomery also helped develop solutions for Public Housing Authorities and subsidized housing property owners dealing with impacted tenants as well as state/local governments and tribal nations as they assisted vulnerable constituencies including homeless populations.

Montgomery worked with Congress to help secure appropriations to help fund FHA’s $80 million generational information technology modernization known as FHACatalyst.  Among many improvements, FHACatalyst replaced paper endorsement and claim files with digital data submission and will ultimately offer a full end-to-end digital platform and provide lenders and servicers a more robust suite of services.

Montgomery’s additional government experience includes serving as Deputy Assistant to President George W. Bush from 2001 to 2005, including serving as Secretary of the Cabinet from 2003 to 2005. While serving as Director of Presidential Advance, Montgomery was traveling with President George W. Bush on September 11, 2001 and later presented “September 11 Presidential Distinguished Service” recognition.  Montgomery also served as the White House point of contact for the space shuttle Columbia accident investigation and for this effort was awarded the “NASA Exceptional Service Medal” in 2003.

Montgomery has testified on more than 25 occasions before Congressional Committees and Sub-committees to include House Financial Services, House Appropriations, Senate Banking, and Senate Appropriations.  Montgomery currently serves on the Boards of two established and well respected mortgage market enterprises—Radian (NYSE: RDN) and Reverse Mortgage Investment Trust (Reverse Mortgage Funding).

A Texas native, Montgomery holds a Bachelor of Arts in Political Science from the University of Houston and attended the University of Texas at Austin.  Montgomery resides in Alexandria, Virginia.

Andy Sandler

CEO, Asurity, Sr. Partner, Mitchell Sandler, founder, Buckley Sandler and Treliant

For the past 30 years, Andy has been a trusted strategic and legal advisor and counsel to the financial services industry.  Chambers USA has recognized Andy as “one of the leading stars of the financial services regulatory firmament.” Legal Times named him as a “Legal Visionary” for his role in founding and leading Buckley Sandler and as “Deal Maker of the Year” for his regulatory advice in navigating complex transactions. Andy was named a Public Justice Trial Lawyer of the Year finalist for his representation of the Navajo Nation in its breach of trust litigation with the United States where Andy and his colleagues achieved a $554 million settlement for the Nation in 2014.

Andy founded The Sandler Family Foundation which focuses on social entrepreneurship and financial inclusion with his three adult children,  Karna, Michael and Jake.  He is Vice Chair of the National Board of Directors of the Cancer Support Community, a global non-profit organization delivering psycho-social support to cancer patients and caregivers.

Andy holds J.D. and M.B.A. degrees from the University of Pennsylvania Law School and Wharton School of Business; an M.A. from the University of Warwick (U.K., Rotary Foundation Fellow), and a BA from Union College. He is a fellow in the American College of Consumer Financial Services Lawyers. His leadership roles at the American Bar Association Litigation and Business Law Sections have included Chair of the Consumer and Civil Rights Committee and Vice Chair of the Banking Law Committee.  Sandler is a member of The Council on the Responsible Use of Artificial Intelligence.  He is also a member of the Center for American Progress’s Economic Advisory Council.

David Schneider

Chief Executive Officer,Stearns Lending, LLC

Mr. Schneider is a seasoned mortgage executive with nearly three decades of experience. Over the past 30 years, Mr. Schneider has held a number of Executive positions with a variety of mortgage companies. The assignments include, Executive Vice President and Chief Operating Officer of Walter Investment Management Corp. He has also previously held positions as President and COO of CitiMortgage, President of Washington Mutual Home Loans, Senior Vice President for Servicing Strategic Initiatives at JP Morgan Chase, President of Ditech, and President and CEO of Vericrest Financial. Most recently Mr. Schneider served as the CEO of Stearns Lending  during the Blackstone ownership period  and was heavily involved in the 2021 transaction that saw Guaranteed Rate acquire Blackstone’s ownership interest.    Mr. Schneider received his BSBA in Accounting from Babson College and his MBA from Indiana University.

Seth Sprague, CMB

Principal, STRATMOR Group

Seth joined STRATMOR Group as a Principal early in 2019 with more than 20 years of mortgage banking and servicing valuation experience. Seth specializes in mortgage servicing rights (MSRs), servicing, cash flows, liquidity and mortgage profitability strategies.

Prior to joining STRATMOR, Seth served as EVP of Trading & Analytics at PHOENIX, an advisory firm for MSR and whole loan trading, mortgage services and analytics. His primary responsibilities at Phoenix included managing bulk and flow MSR transactions and strategic valuation solutions to meet the needs of PHOENIX clients. Additionally, Seth served as Senior Vice President—Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he led the servicing rights valuation team.

In 2020/2021, Seth will serve as Chair as the MBA’s Certified Mortgage Banker (CMB) Society and serves on several committees with the Mortgage Bankers Association (MBA) including the Financial Management Steering Committee, MBA’s Servicing Council for the 21st Century, MBA’s BASEL III and the Servicing Compensation Working Group. Seth is a frequent speaker at various MBA and other industry conferences, often speaking on liquidity and the overall challenges present in the mortgage industry. An instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, Seth teaches “Servicing/MSR Day” and is an instructor for the MBA School of Mortgage Servicing. Seth also teaches “The Secondary Market” for NAMMBA (The National Association of Minority Mortgage Bankers of America).

Susan T. Stewart

Chairman, Mortgage Bankers Association, CEO SWBC Mortgage, Past TMBA President

Stewart's visionary leadership has been the catalyst behind the company growing from 3 employees serving the Texas market to more than 650 employees in over 70 branch locations. Under her unwavering focus, SWBC Mortgage has grown from a small regional broker to a national industry leader, providing a full-service origination-to-servicing experience for borrowers in 43 states. Stewart leads a team that leverages cutting-edge technology, delivering industry-leading speed and service while providing a personal, experienced touch to the dream of home ownership.

Stewart currently serves as a member of the MBA's Board of Directors and is past Vice Chair of the MBA's Residential Board of Governors (RESBOG). She and SWBC Mortgage are committed to making the communities they serve brighter, more hope-filled places, and to that end she serves on the board of the MBA Opens Doors Foundation. Both Stewart and SWBC Mortgage have been recognized personally and corporately as Guardian level donors to the Opens Doors Foundation.  Stewart also served as President ot Texas Mortgage Bankers Association, served on the Executive Committee for many years and continues to be an active participant at many TMBA events.

Nolan Turner, CMB

Managing Director, Carrington Mortgage Services, LLC

Nolan leads the firm's strategic initiatives, institutional business outreach, growth and revenue objectives, and industry / government partnerships across Carrington's continuum of companies.  Carrington is a vertically integrated asset manager providing a range of investment opportunities and services encompassing all aspects of the single-family residential mortgage and real estate markets.  Carrington employs more than 4,000 associates across 10 different businesses.  Carrington is a Top 10 GNMA Seller - Servicer - Issuer servicing close to $80 BN / 600,000 loans and originating almost $1 BN a month across its retail, wholesale, and correspondent channels.  Their default and property management businesses have touched, managed, and dispositioned more than 400,000 assets.  Carrington's Real Estate Businesses - collectively known as (VYLLA) -- provide a truly seamless, simple, and progressive approach at every stage of the real estate process.  Vylla Home - Carrington's real estate brokerage firm employs 1,000 agents across 35 states and has sold more than $17 BN in single family real estate.  Vylla Title - Carrington's nationwide title company completes more than 12,000 residential and $250 MM in commercial orders each month.  Carrington Capital Management has purchased more than $155 BN in Non-Performing Loans, Mortgage Servicing Rights, Ginnie Mae Early Buy Outs, Private Label Securities, and other residential credit products.

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 and sell side of whole loan trading, Non-Performing / Re-Performing Loans, and Mortgage Servicing Rights.  Prior to joining Carrington in 2010, Nolan held executive leadership roles within the Investment Bank at Wachovia / Wells Fargo, 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 degrees in international business and psychology and was a PhD Candidate in 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 is a Housing Wire Rising Star award winner.  Nolan is a board member of the Texas Mortgage Bankers Association and the current Chairman of the Texas MBA Mortgage Servicing Committee.  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 91 countries.  Nolan was born and raised in the Reno / Lake Tahoe area and currently resides in Southlake, TX.

Trey Worley

Senior Vice President and Manager for Comerica Bank, Warehouse Lending. 

Worley manages a team of relationship managers covering the Western Region of Comerica’s Mortgage Banker Finance Group.

Worley has served the Texas Mortgage Bankers Association in a number of roles including as Co-Chair of the Future Leaders Committee, Co-Chair of the 99th Annual Convention, Chair of Texas Mortgage Bankers Political Action Committee and Chair of the TMBA’s Warehouse Conference.  Mr. Worley served as President of TMBA in 2019 and has served on the Executive Committee since 2018.  As a participant in TMBA’s Advocacy Day through several legislative sessions including this year’s first TMBA’s virtual Advocacy Day, Worley met with several Texas lawmakers to discuss proposed legislation that could impact the mortgage banking industry. 

Mr. Worley was one of six recipients of the James Wooten Future Leader Scholarship in 2012.  He participated and graduated from the Mortgage Bankers Association program that delivers a highly regarded curriculum focusing on leadership and business analysis skills and delivers a comprehensive leadership training experience.

Worley earned a BBA in Finance and Economics from the Hankamer School of Business at Baylor University in 2000.  He has also been on several mission trips with Living Water International as part of the Stonebridge United Methodist Church in McKinney, Texas.  Worley lives in McKinney, Texas with his wife and children. 





AmCap Mortgage

Benchmark Mortgage

BKM Sowan Horan, LLP

Black, Mann & Graham, LLP

Certainty Home Loans

Chase Correspondent Lending

Colonial Savings, F.A.

Comerica Bank - Warehouse Lending

Computershare Loan Services

Enact Mortgage Insurance

Highlands Residential Mortgage

Independent Financial Warehouse Lending

Mortgage Capital Trading (MCT)

Moss Adams, LLP

Nations Reliable Lending, LLC


Richey May & Co., LLC

Robertson Anschutz Vetters, LLC


Sandler Law Group


Texas Capital Bank, N.A.

Veritex Community Bank

Wells Fargo Funding


Advantage Credit/Partners Credit & Verification


Gregg & Valby, LLP

Mutual of Omaha Mortgage

Network Funding, LP

PPDocs, Inc.

Pro Notary, LLC.

Radian Guaranty Inc.

Redwood Trust

Republic State Mortgage Company



Arch Mortgage Insurance

Guild Mortgage Company

HNB Mortgage

Mr. Cooper

NewRez LLC

Priority Settlement Group of Texas



Advantage Credit/Partners Credit & Verification

Black Knight

Certified Credit Reporting

Compeer Financial

Factual Data

FBX | Informa Financial Intelligence

Happy State Bank


Mortgage Peer Network


Plaza Home Mortgage

Prima Title Group, LLC




Willow Bend Mortgage Company


ALM First

AmeriHome Correspondent

Amplify Credit Union

Axis Appraisal Management

Azimuth GRC

Black Knight

Calyx Software

Credit Plus



Global DMS

Goosehead Insurance


KHA Accountants, PLLC

KHA Alpine Advisors, PLLC

Mortgage Educators & Compliance


Plaza Home Mortgage



Service First Information Solutions, LLC




Vantage Point Title


Angel Oak Mortgage Solutions

Appraisal Firewall

Connexions, Inc.

Crescent Mortgage


DocProbe, LLC

Dovenmuehle Mortgage, Inc.

Finance of America Commercial

First Horizon Bank


IDS, Inc.

Land Gorilla

LoanDepot Wholesale

Mortgage Peer Network


Reliant Bank

Sales Boomerang

Servion Mortgage

Suncoast Claims, Inc.

The Money House

West Gate Bank Correspondent

Windsor Mortgage Solutions

Wipro Gallagher Solutions


Amplify Credit Union

Essent Guaranty, Inc.

Garris Horn LLP

Goosehead Insurance

LoanPeople LLC

Polunsky Beitel Green, LLP