Matthew C. Abad oversees and manages the day-to-day operations of the default practice including the management of the default paralegals and attorneys for the foreclosure and bankruptcy departments. Having represented creditors since 1998, including a role as in-house counsel for both a national bank, and a national creditor’s rights firm, Matt has broad range of experience. Matt regularly lectures on issues impacting the mortgage servicing industry and is an active member in numerous industry trade groups such as the American Legal and Financial Network (ALFN), the ALFN’s Speakers Bureau, the ALFN's Federal Consumer Lending Statutes committee. Matt participates as a regular presenter on the ALFN’s HOT TOPICS in Litigation Webinars and is as an active member in the Legal League 100 as a speaker and presenter. In addition to handling litigation related to mortgaged backed securities, Consumer Lending and Regulatory Matters, such as the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Reg. Z, the Fair and Accurate Credit Transactions Act (FACTA), the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), Fair Lending Issues, UCC, Servicemembers’ Civil Relief Act (SCRA), the Protecting Tenants in Foreclosure Act (PTFA), Matt also provides legal services on Commercial and Consumer Mortgage Foreclosures, Creditor Protection in Bankruptcy, Deed-in-Lieu, Eviction, REO Closings, Litigation, Class Action Litigation, Title Claims and Clearance, collections and replevin in the State of Illinois.
Chris is the Deputy General Counsel, Senior Vice President at Caliber Home Loans where he heads up the litigation team. Chris has been with Caliber for five and a half years. Before joining Caliber, Chris was a litigation and antitrust associate at Locke Lord in Dallas. Chris is a magna cum laude graduate of the University of Mississippi School of Law, where he was also an editor of the Mississippi Law Journal. Chris is a summa sun laude graduate of Mississippi State University. Chris has also served on the board of directors of Hope Adoptions in Dallas and was a member of the Texas Unauthorized Practice of Law Committee.
Ross Blackmon is Senior Vice President, National Account Executive for the Mortgage Solutions division of First American. He leads cross functional account teams that leverage deep client relationships, operational knowledge and strategic insight to integrate First American people, process, technology and market leading real estate data into cross functional solutions for top national mortgage lenders and services.
Prior to his current role at First American, Ross spent 7 years in leadership positions across multiple operational and sales verticals with Corelogic. His areas of expertise span origination, servicing, retention and disposition including; processing, underwriting, post-closing, audit/QC fulfillment, loss mitigation, asset disposition, global platform delivery and advanced workflow technology. Previously, he held the position of Senior Financial Consultant for Perot Systems and also served as a financial analyst for Tenet Healthcare.
Ross holds two degrees from the University of North Texas, he earned a B.A. in Finance as well as an M.B.A. in Strategic Management from the Toulouse School of Graduate Studies.
H. Gray Burks IV, is the Managing Senior Litigation Attorney with ShapiroSchwartz, LLP. He has been representing mortgage servicers since 2007.
Jim Carley joined the Bureau as Southeast Regional Director in October 2011 to lead supervision of bank and non-bank financial services firms across fourteen states and the District of Columbia. Jim came to the Bureau from the Federal Housing Finance Agency, where he served as the Senior Associate Director for Examinations in the Division of Federal Home Loan Bank Regulation.
Prior to FHFA, Jim was the Associate Regional Director for Examinations in the Atlanta Regional Office of the Securities and Exchange Commission, where his team led supervision of broker-dealers, investment advisers, and mutual funds across five states. He began his public service at the Commodity Futures Trading Commission, where he had several roles, including as the Deputy Director for Audit and Financial Review, with rulemaking and exam responsibilities for derivatives clearinghouses, futures brokers, and hedge funds.
Before entering public service, Jim served in legal and financial management roles in the manufacturing, airline, and aircraft finance industries. He earned a JD and a BS in Economics from George Mason University and an MBA from the University of Texas at Austin, and was designated as a Certified Fraud Examiner and a Certified Management Accountant. Jim is a member of the bar in the Commonwealth of Virginia and the District of Columbia.
Mr. Carpenter joined Residential Credit Solutions, Inc. (RCS) in March of 2007 and in his current role he maintains responsibility for managing the Customer Service, Collections, Loss Mitigation, Acquisitions, Correspondence, Underwriting, Fulfillment, and Default Operations Departments. Prior to joining the RCS management team, he spent 3 years at Saxon Mortgage Services, Inc. where his roles included Manager of the Loss Mitigation Workout Department and Vice President of Customer Service and Collections. Prior to joining Saxon Mr. Carpenter worked at Green Tree Servicing for 5 years with 4 of those as Collections Manager.
Angela Chambers is the Vice President, Compliance with Residential Credit Solutions Inc.
Starting in 1982 after graduating from law school, Clay began representing title companies, mortgage companies and oil and gas companies in the area of real estate law in Texas. In late 1999, Clay began working for Fidelity National Financial where he manages sales and operations for the mortgage default business units until 2012. Since 2012, Clay has been a partner with Albertelli Law with a mortgage related practice in Texas, Florida and Georgia.
Terri Cravens is a founding member and Managing Partner of Springboard, LLC, which was founded in 2009 and focuses on industry, particularly loan servicing compliance with special emphasis in default. Terri has worked in the mortgage industry for over 37 years. Within the mortgage industry she has a number of years managing all aspects of loan servicing, with over ten years managing a national default servicing portfolio; including collection, loss mitigation, foreclosure, bankruptcy, claims and REO. Terri worked seven years in law firm management and with a national title/real estate services provider. She was part of a management team of a large national default law firm conducting foreclosure, bankruptcy, eviction, REO closings, title, outsource operations and software development. Her emphasis has been in compliance and operational efficiencies to increase effectiveness.
Terri has an MBA in Business Administration and is a graduate of the Mortgage Bankers Association School of Mortgage Banking. Terri has been an invited instructor at the USFN’s educational retreat, providing CLE accredited education for their attorney network. She has also been an invited panelist on other industry panels and forums for the Mortgage Bankers Association, Texas Mortgage Bankers Association, Legal League 100 and the Louisiana Land and Title Association. She is a member of the First Baptist Church.
William Doby is is Associate General Counsel, Mortgage Operations with PennyMac in Fort Worth, Texas. Mr. Doby supports PennyMac's mortgage servicing and correspondent lending businesses. Prior to joining PennyMac, Mr. Doby served as in-house counsel for both MetLife Bank and Bank of America, supporting their mortgage servicing operations. Before going in-house in 2004, Mr. Doby was an associate with Locke Liddell and Sapp, now Locke Lord Bissell and Liddell, specializing in bankruptcy law.
Mr. Drew began his mortgage career in 1996, serving in the Compliance Department at AccuBanc Mortgage in Dallas, before deciding to attend law school. After graduating cum laude from Dedman School of Law at SMU, he began his legal career at Haynes and Boone, focusing on commercial real estate and finance. He later joined the Legal Department of Countrywide (now Bank of America), focusing on residential mortgage servicing. Mr. Drew’s career includes working in the Legal Departments of Capital One, MetLife Bank, Citi, Hudson Americas (asset manager for Caliber), and Fannie Mae. Currently, he is the General Counsel and Chief Compliance Officer of Residential Credit Solutions, Inc. Although his primary focus has been residential mortgage servicing, he has extensive experience in residential mortgage originations, auto originations and servicing, credit card servicing, and student loan servicing.
Stephen has more than 30 years of diversified senior executive experience in mortgage banking operations. His creative, results-oriented management philosophy has consistently improved the performance of mortgage banking organizations of the companies he has worked with over his career.
Prior to joining OpExNow, Stephen served as President and COO of Vericrest Financial (aka Caliber Home Loans). Stephen, has also held Executive Management positions at Saxon Mortgage, Aurora Loan Services, Select Portfolio Servicing, First Nationwide Mortgage, Mellon Mortgage, Kislak National Bank, and Lomas Mortgage, USA.Stephen holds a B.S. degree from the University of Alabama were he majored in Accounting. Stephen is a licensed CPA in the State of Texas.
Teik Francis is a Vice President leading the Outsourcing and Contact Center functions for the Escrow Services Group, focusing on building client and customer satisfaction, process improvement and employee engagement across four locations. Balancing multiple client needs, understanding homeowner satisfaction and growing bottom-line profitability by utilizing the six sigma process is a focus for her and her teams. Teik has held this role for over four years and previously worked for many Fortune 100 companies, such as The Walt Disney Company, GE and Bank of America leading large front-line contact centers, as well as back-office teams, driving performance and employee engagement. Teik specializes in multiple center operations, project management, performance development, training and integration of employee satisfaction to achieve results.
Teik is involved in a variety of charities that involve her passions of saving animals and creating handmade greeting cards. She spends her spare time creating greeting cards for Operation Write Home to support troops overseas, as well as participating in animal rescue activities. Teik holds a Bachelor’s degree from UCLA as well as a Master’s degree in the Psychology of Leadership Development and Coaching from Walden University.
Reid F. Herlihy provides regulatory and transactional advice for clients on a range of issues involving state and federal consumer finance laws. Mr. Herlihy counsels mortgage companies, servicers, consumer finance companies, financial institutions, investment banks, debt collectors, and secondary-market investors on state and federal regulatory compliance issues.
Mr. Herlihy regularly assists clients with meeting state and federal licensing and approval requirements, including those related to stock and asset acquisitions. He has extensive experience with the SAFE Act and has counseled numerous mortgage companies, servicers, and third-party service providers on implementing those requirements. He also assists clients with state and federal examination issues and regulatory actions.
Mr. Herlihy counsels clients on issues regarding the CFPB's Mortgage Servicing Rules, advertising, fair debt collection, lending and servicing disclosures, loss mitigation, foreclosure procedures, and business practices. He frequently prepares multistate regulatory surveys and analyses on a wide range of matters concerning residential mortgage lending, brokering, and servicing, and assists companies in implementing new laws and regulations.
Mr. Herlihy is author of the "Fair Debt Collection Practices Act" chapter of Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute.
Ms. Jones is the Managing Partner of McCalla Raymer LLC’s Nonjudicial Foreclosure & Title Clearance Group (Georgia, Alabama and Mississippi). She joined McCalla Raymer LLC in 2008 as an associate in the Georgia foreclosure and eviction departments. Ms. Jones’ has worn many hats during her tenure at McCalla Raymer LLC. Prior to taking the helm in the nonjudicial states, she managed the firm’s evictions in Georgia and Alabama, as well as the firm’s National Eviction Outsourcing platform.
Ms. Jones is licensed to practice law in the states of Georgia, Alabama, and the District of Columbia. Within Georgia she is admitted to practice before the Georgia Court of Appeals, Georgia Supreme Court, and the United States District Courts for the Northern, Middle, and Southern Districts of Georgia. Ms. Jones is an active member of the USFN, MBA, ALFN, the State Bar of Georgia (Real Property Law Section), the State Bar of Alabama, and the D.C. Bar. In addition, she is a frequent panelist/speaker at industry conferences and travels throughout the year to conduct in-house trainings on Foreclosure, Evictions, Title Clearance, Compliance, and Vendor Management. Earlier this year Ms. Jones was named a 2015 Rising Star by Georgia Super Lawyers and Atlanta Magazine.
Scott P. Keeter is the Vice President of REO/Valuation Business Development for SLS Specialized Asset Management. He joined SLS Specialized Asset Management in January of 2012 with a single focus of creating a best in class REO and Valuation provider for the industry. In his current role with the company, he focuses on 3rd party business opportunities and strengthening existing business relationships. Prior to his current role, Scott was Vice President at LPS Asset Management and was responsible for the day to day operations of the REO, Closing and Auction functions for the company. Scott is a 20 year veteran of the Mortgage and Default Services industry and has held key leadership positions at various financial institutions.Scott attended Oklahoma State University focusing on business studies and is a graduate of the Oklahoma Military Academy. He spends all of his spare time with his wife and two daughters.
Leonard Kiefer was appointed to the position of Deputy Chief Economist in December 2012. As the Deputy Chief Economist, Kiefer is responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting. Kiefer is also involved in the analysis of policy issues affecting the housing industry.
Kiefer is a frequent speaker at professional and academic conferences around the country. Kiefer has also been quoted in the national media as an expert on the subject of housing economics. He is a member of the American Real Estate and Urban Economics Association and the American Economics Association.
Kiefer joined Freddie Mac in 2009 as a Senior Economist. He was previously an assistant professor at Texas Tech University in Lubbock, Texas where he conducted research on macroeconomics and monetary policy. He has also taught economics at The Ohio State University and finance at George Mason University.
Kiefer holds a B.A. in economics from the University of Kentucky, and a PhD from The Ohio State University.
Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation's residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for one in four homebuyers and is one of the largest sources of financing for multifamily housing. www.FreddieMac.com
Chief Servicing Officer and Executive Vice President for BSI Financial.
Mike joined AMC in December 2014 and is responsible for sales and product development efforts across multiple business lines. Mike collaborates with existing and new clients to identify and develop business solutions, implement services, and ensure operational systems and support exceed client expectations. Mike brings over sixteen years of experience in mortgage servicing and capital markets focusing on servicing, servicer oversight, due diligence, securitization, quality control, and operational risk assessment.
Prior to joining AMC, Mike was Managing Director at both Stewart Lender Services and Allonhill where he was responsible for GSE and government services and sales. While at Allonhill and Stewart, Mike developed numerous new business opportunities, managed client service, and directed several operations teams delivering on client quality control, due diligence, consulting, and oversight engagements. Mike originally joined Allonhill in 2008 where he helped establish Allonhill's hiring, training, systems, and operational execution strategies that accommodated significant growth prior to moving to Stewart. Prior to Allonhill, Mike was Vice President at Moss Codilis LLP and served multiple roles within the default arena at Washington Mutual with focus on systems development, systems integration, and default servicing operations.
Mike holds an MBA from the University of Colorado and a BS in Agricultural and Managerial Economics from the University of California, Davis.
Craig Martin is a Director and the Mortgage Practice Lead at J.D. Power. He is responsible for the company’s research studies in the mortgage sector, as well as proprietary tracking, consulting and performance improvement initiatives.
Before joining J.D. Power in 2012, Mr. Martin was vice president, Consumer Deposit Products at BBVA Compass. There, he was responsible for ongoing competitive evaluations of product sets, new product development and development of tools to aid in product sales, including product packages. Prior to BBVA Compass, he was a vice president at Regions Financial Corporation, where he served in various roles in both consumer and commercial lines of business, with a focus on customer experience, research, analytics and strategy. Previously, he was with Infosurv Inc. and Aspect Communications.
Mr. Martin is a frequent speaker at mortgage-related conferences and events. For the past three years, he has been a featured speaker at the National Mortgage News Annual Mortgage Servicing Conference. He has also spoken at various Mortgage Bankers Association events and other industry-related gatherings. Additionally, he has been quoted as an industry expert in a number of major publications, including USA Today, BloombergBusiness, The New York Times, HousingWire, Chicago Tribune and National Mortgage News.
Mr. Martin received a bachelor’s degree in economics from Vanderbilt University and an MBA from Terry College of Business at the University of Georgia.
Jinja Martin is the Servicing Business Controls and Reporting & Analytics Executive in Bank of America’s Consumer Operations. In this role, she is the central point of contact for legal, risk, compliance, quality analysis/control and audit engagement, providing ongoing operational risk transparency for all functional segments within Servicing.
Martin joined Bank of America in 2007. During her tenure, she has helped develop servicing underwriting, operational quality assurance programs and implemented several home retention programs including the Making Home Affordable Program.
Martin has over 20 years in mortgage lending and servicing. She has held executive positions in sales, customer service, quality assurance, vendor management and default servicing. Prior to joining Bank of America, she was the Chief Operations Executive for a national settlement services and vendor management company.
Martin earned a bachelor’s degree from the University of Oklahoma and is a devoted Sooner football fan. She and her husband, Terry, live in Dallas with their rescue dog, Fancy. Their son Bret is in graduate school in San Diego, California. The family actively supports the United Way, North Texas Food Bank, Solar Car Challenge Foundation, Salesmanship Club of Dallas and the ASPCA. Martin is a member of the LEAD for Women and the Black Professional Group employee networks and an LGBT Pride Ally. She enjoys being a mentor and sharing her business knowledge with others.
Marion McDougall is the EVP, Chief Loan Administration Officer for Caliber Home Loans, Inc. Her responsibilities encompass all servicing functions including Performing Servicing, Default Servicing, Investor Reporting, Asset Performance, and Sales and Acquisitions. Prior to joining Caliber, Marion served as COO at MetLife Bank, N.A. for five years overseeing the company’s retail banking operations, forward and reverse mortgage servicing and delivery operations. Marion has over 27 years in the mortgage industry and has held senior leadership positions with EDS, Norwest Bank and Independence One Mortgage Corporation.
Mike joined Assurant Specialty Property in 2013 as Vice President, Hazard Operations & Services. Prior to joining Assurant, Mike was Vice President at QBE (formerly Balboa Insurance) and oversaw various departments over his 6 year tenure such as business transformation, quality assurance, continuous improvement, project management, workforce management, reporting/analytics, loss draft services, training, and customer experience.
Prior to QBE, Mike was an executive at Accenture Management Consulting supporting large scale transformation programs as part of the Customer Relationship Management line of business. Mike brings over 18 years of operations and transformation experience across various industries with a continued focus on enhancing the customer experience and underlying capabilities and processes. As part of the Assurant team, Mike’s focus is on supporting various technology and process transformation efforts that will deliver several new and improved servicing capabilities.
Arash Mostafavipour is EVP & Chief Legal Officer with Xome. He joined the company in June 2013 and leads the company's Legal and Compliance team, overseeing all mergers and acquisitions, corporate development, contracts, regulatory compliance, licensing, litigation and employment-related matters from a legal and compliance perspective.
Immediately prior to joining Xome, from June 2008 through June 2013, Arash was EVP and General Counsel for Carrington Mortgage Holdings, LLC, a hedge-fund-owned, private holding company that provides special servicing, origination and ancillary businesses. Prior to Carrington, Arash served as Vice President and Lead Corporate Counsel for HCP, Inc., a S&P 500 healthcare REIT, where he was responsible for all legal matters related to strategic investments, mergers and acquisitions, securities, capital markets, corporate and board governance and employee relations. Prior to HCP, he held the position of Vice President and Chief Mergers & Acquisitions Counsel for New Century Financial Corporation, where he managed the acquisition, disposition and ultimate liquidation of multiple New Century businesses, including the acquisition of Royal Bank of Canada’s U.S. mortgage operations and the disposition of New Century’s servicing platform and other businesses in bankruptcy.
Tim Neer is the Senior Vice President and Director of Loan Servicing Operations for Colonial Savings. Mr. Neer is a highly regarded mortgage banking executive with over 30 years of industry expertise that spans across all facets of mortgage servicing operations, finance, and enterprise project management. Since joining Colonial Savings in 2012, Mr. Neer has been a critical contributor in strengthening the efficiency and quality of the company’s loan servicing operation through a myriad of reengineering and system improvement initiatives. In addition to spearheading successful operational enhancement projects that maximized technology utilization, Mr. Neer guided the organization to become one of Fannie Mae’s highest rated servicing organizations in 2014 as measured by the Fannie Mae STAR performers program. Mr. Neer is currently an active member of several GSE advisory councils and patriciates on numerous MBA sub committees. Mr. Neer is also active in his community and sits on the board of advisors for several nonprofit charitable organizations.
Ryan has mortgage servicing, specializing in non-performing assets, customer relations, regulatory compliance, and loan administration. Significant experience implementing and managing mortgage servicing best practices to comply with HUD, VA, CFPB, National Mortgage Settlement, and Consent Order regulations.
His leadership strengths include talent acquisition and development, team building, contract negotiation, strategic vendor partnerships, public speaking, strategic planning and execution, total quality management, customer advocacy, financial accountability, process engineering, and cross functional change management.
His specialties include sub-servicing, component servicing, distressed portfolios, default, contact centers, call monitoring, BPO partnerships, dialer, IVR, underwriting, customer service, research, collections, delinquency, hazard insurance, ACH, payment systems, escrow, investor reporting, SPOC, community outreach, loss mitigation, loan modifications, HAMP, HAFA short sales, deed in lieu, foreclosure, bankruptcy, REO, asset recovery, property preservation, quality assurance and controls.
Sherrie Rivett is Safeguard’s service center manager. In this position, Sherrie manages the property preservation and REO customer service teams, ensuring the highest levels of quality to our clients and the listing agents working on our clients’ behalf. She joined Safeguard in 2003 as part of our pre-sale operations management team, and moved to the REO group in 2005. In 2014, Safeguard moved all inbound call centers under the umbrella of the Service Center and Sherrie manages the client facing call centers including P&P and REO.
Prior to joining Safeguard, Sherrie worked as a customer service supervisor for Continental Managed Pharmacy Services for eight years. She holds an associate’s degree in business from Cuyahoga Community College, and holds a certificate in communication from Baldwin Wallace University. She is active in the Make-A-Wish Foundation, and has been a wish-granter since 2009. Sherrie is also a certified Yoga teacher with Yoga Alliance. She is currently teaching several yoga classes, including here at Safeguard.
Jeff has nearly twenty years of significant experience providing legal support and advice to consumer finance companies, mortgage lenders and national banks. Since 2005, his focus has been primarily on mortgage banking. He serves as a key risk partner to senior and executive internal business leaders as well as a liaison with service providers, regulatory agencies, and investors. In addition to heading a group of 5 lawyers and 3 paralegals, Jeff provides legal advice on matters concerning RESPA, TILA, ECOA, SAFE, FCRA, HMDA, and all implementing regulations as well as the National Flood Act, third party service provider oversight guidance, appraisal and valuation rules, and state lending and licensing laws.Jeff has been with Flagstar since 2013. Prior employment includes Washington Mutual FA, CitiFinancial, Bank of America, NA, PNC Bank, NA and CoreLogic.
Matt is a 23+ year financial services executive. Primary responsibilities presently at Chronos include leading the business development and product development teams. Chronos provides services to banks, mortgage servicers, lenders, and institutional investment firms with primary services that include: asset management, online marketing/auctions, valuations/appraisal services, Trustee Sale Plus and CWCOT, real estate acquisition services, advisory services and title/settlement services. Prior to Chronos, Matt held senior level operation and business development positions within firms such as Solutionstar, Carrington, EMC Mortgage and Countrywide.
Steve Uline is the Senior Vice President of Servicing Risk for Caliber Home Loans. Steve brings over 30 years’ experience in mortgage servicing with emphasis on default servicing and compliance. Steve has been servicing GSE, FHA, VA and Private investors throughout his career and has also serviced loans in the sub-servicing arena. Prior to Joining Caliber home Loans, Steve was a consultant to one of the top 5 banks for GSE compliance and held leadership roles in with Saxon Mortgage, GMAC Rescap and Principal Residential Mortgage.
As President of Rushmore Loan Management Services, Tom is responsible for servicing oversight. Prior to Rushmore, he worked for Morgan Staley (4 years) and led servicing oversight function and was responsible for third party servicing relationships, master servicing, and asset risk management for the retained and securitized mortgage portfolio.
Kim Yowell is Senior Vice President and Servicing Manager for BOKF (Bank Of Oklahoma Financial) Mortgage. Kim is a CPA with over 25 years in management of Loan Servicing, Banking, and Accounting operations. Kim has 15+ years experience in SVP, Servicing Manager positions (for First Tennessee Bank, MetLife Bank, and now Bank of Oklahoma) as well as 14 years as the VP of Finance for CTX Mortgage Company. Kim has successfully balanced implementation of efficiencies and cost management while providing superior customer service and fulfilling investor and regulatory requirements. Kim is currently a member of the Freddie Mac Default Regional Advisory Group. Kim has previously served on the MBA Loan Administration Committee and the Black Knight (MSP) Mortgage Advisory Board. Kim is a graduate of Texas Christian University with a BBA in Accounting.
|American Mortgage Consultants, Inc.|
|AmeriPro Funding Inc.|
|Assurant Specialty Property
- Assurant Field Asset Services
|Barrett Daffin Frappier
Turner & Engel, LLP
|BSI Financial Services, Inc|
|Caliber Home Loans|
|Cendera Funding, Inc|
|Colonial National Mortgage, F.A.|
|Entra Default Solutions|
|LexisNexis Risk Solutions|
|M & M Mortgage Services, Inc.|
|McCalla Raymer, LLC|
|Mortgage Contracting Services|
|Pierce & Associates, P.C.|
|PHH Mortgage Corporation|
|Residential Credit Solutions, Inc.|
|RUTH RUHL, P.C.|
A Black Knight Company
|Stewart Lender Services|
|SWBC Mortgage Corporation|
|Wells Fargo Home Mortgage|