Post on 19-Feb-2022
transcript
PAGE 2 MORPAC 2015 YEAR-END REPORT
TABLE OF CONTENTS
Welcome � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �3
2015 MORPAC Company Campaigns � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �4
Contributors � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �5
Mortgage Action Alliance � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 19
Fundraising Metrics � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 20
Legislative and Political Update � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 21
MORPAC Disbursements � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �26
MORPAC Steering Committee � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �32
Legislative and Political Affairs Staff � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �33
MORPAC 2015 YEAR-END REPORT PAGE 3
FRIENDS,The Mortgage Bankers Association continues to be among the most sophisticated and effective
trade associations in Washington, DC and that is in no small part because of your continued
support of MORPAC, MBA’s political action committee.
I am proud to announce that, due to your support, 2015 was MORPAC’s biggest year yet. With that
in mind, I am pleased to present the 2015 MORPAC Year-End Report.
In 2015 we raised a record breaking $1,012,881 in individual donations, outpacing our previous one-
year record by over $260,000. Together we have managed to add nearly 1,000 new MORPAC
contributors, and our average contribution increased to $244 from roughly $208 per person in 2014.
We continue to increase our grassroots reach as well. The Mortgage Action Alliance (MAA)
currently enjoys over 11,300 active members and this year we launched MBA’s new Action Center,
making it easier than ever for MAA members to participate in our advocacy programs. Under the
leadership of MAA Chairman Fowler Williams, we are on pace to continue MAA’s growth in 2016.
As a show of gratitude to our dedicated contributors, this report lists all of the individuals and
companies who were part of our 2015 campaign. In addition, you’ll find itemized information about
the goals our political programs achieved, and a comprehensive summary of MBA’s advocacy
team’s legislative and political priorities.
None of the great steps we are taking with our political action committee on our industry’s behalf
would be possible without your involvement in MORPAC, and your continued support is imperative
to our success. Together, we will continue to make this 2015–2016 fundraising cycle the best in
MBA history. I appreciate and thank you for your dedication to MBA, MORPAC and our collective
public policy goals.
Respectfully submitted,
Jamie Korus President, Alliance Home Loans2015–2016 MORPAC Chairman
PAGE 4 MORPAC 2015 YEAR-END REPORT
2015 MORPAC COMPANY CAMPAIGNS
Thank you to the following companies for running campaigns in 2015. If you’d like
to see your company listed, contact Annie Gawkowski at agawkowski@mba.org
to run a MORPAC campaign at your office today.
Alliance Home Loans
American Pacific Mortgage
AmeriFirst Financial, Inc�
Atlantic Coast Mortgage
Black Knight Financial Services
Cascade Financial Services
CBRE Capital Markets
Cherry Creek Mortgage
CMG Financial
Colonial National Mortgage
Cornerstone Home Lending
CoreLogic
Embrace Home Loans
EverBank
First American
First Continental Mortgage
Guild Mortgage Company
Homeowners Financial Group
HomeStreet Bank
Inlanta Mortgage
Mason-McDuffie Mortgage Corporation
McLean Mortgage Company
MegaStar
MERSCORP Holdings
Mortgage Bankers Association
Mortgage Guaranty Insurance Corporation
New American Funding
NOIC / Concord
OnQ Financial
PrimeLending
P / R Mortgage & Investment Corporation
Quicken Loans
Sente Mortgage
Sierra Pacific Mortgage
SWBC Mortgage
TD Services
TeraVerde Financial
Tri-Emerald
Union Home Mortgage
Universal American Mortgage
Universal Lending Corp�
Walker & Dunlop
Weiner Brodsky Kider
MORPAC 2015 YEAR-END REPORT PAGE 5
CONTRIBUTORSEric AasnessHomestreet Bank
Matthew AbbinkCU Members Mortgage a Division of Colonial Savings, F.A.
Dana AbernathyNational Mortgage Insurance Corp.
Aiman AbozeidInlanta Mortgage
Robert AdamikTri-Emerald Financial Group
Anne AdamsEmbrace Home Loans
Chris AdamsEmbrace Home Loans
Lonnie AdamsSierra Pacific Mortgage Company, Inc.
Tony AdkinsAlliance Home Loans
Tracy AdkinsAlliance Home Loans
Janet AhlMortgage Guaranty Insurance Corporation (MGIC)
Terry AikinAccenture
Donald AlbertNew American Funding
Stephanie AldersonOnQ Financial
Jimmy AlexanderSWBC Mortgage
Ray AlexanderEmbrace Home Loans
Ryan AlexanderEmbrace Home Loans
Shawna AlexanderNew American Funding
Margaret AllenAGM Financial Services, Inc.
Tim AllenaboutMYmortgage.com
Wendell AllenBradley Arant Boult Cummings, LLP
Matt AllsoppNew American Funding
Marc AlmeidaEmbrace Home Loans
Shannon AltonAmeriFirst Financial, Inc.
Aaron AlvarezALLIANCE HOME LOANS
Lisa AmatoNew American Funding
Margaret AmbrusterEmbrace Home Loans
Daniel AminoffUnion Home Mortgage
Bruce AndersonLegacy Mortgage, LLC
Erik AndersonLenderLive Network, Inc.
Michael AndersonOnQ Financial
Wendy AndersonEmbrace Home Loans
Jaime AndradeEmbrace Home Loans
Stephanie AndreaEmbrace Home Loans
Stephen AndreaEmbrace Home Loans
Richard AndreanoBallard Spahr, LLP
Daniel AndrewsNew American Funding
Richard AneshanselU.S. Bank Home Mortgage
Jennifer AnthonyEmbrace Home Loans
Gary AntonovichMortgage Guaranty Insurance Corporation (MGIC)
Dena Aponte-SmithMortgage Bankers Association
Deya AraizaMortgage Guaranty Insurance Corporation (MGIC)
Derek AramburuNew American Funding
Eric AramianAlliance Home Loans
Elizabeth ArceneauxFirst Continental Mortgage, Ltd.
Brad ArendtPrimeLending
Scott ArmstrongUnion Home Mortgage
Bret ArnoldEmbrace Home Loans
Robin ArnoldOnQ Financial
Carolyn ArrivielloMortgage Guaranty Insurance Corporation (MGIC)
Rick ArvieloNew American Funding
Dennis AshcroftAppraisal Logistics, Inc.
Brigitte AtayaNew American Funding
Ian AubourgEmbrace Home Loans
Gerald AuclairEmbrace Home Loans
Piero AvilesAlliance Home Loans
Robert BachmanNew American Funding
Michael BacinoTri-Emerald Financial Group
John BadostainEagle Home Mortgage, LLC
Pamela BakerOnQ Financial
Will BakerWalker & Dunlop, LLC
Frank BaldasareCWCapital
Brandon BaldygaEmbrace Home Loans
Jeremy BallardEmbrace Home Loans
Ramino BanderasEmbrace Home Loans
William BanfieldQuicken Loans, Inc.
Susan BanvilleEmbrace Home Loans
Andrew BarnesFirst Continental Mortgage, Ltd.
Susan BarnhillCornerstone Home Lending, Inc.
Brian BarrettUnion Home Mortgage
Holden BarryWalker & Dunlop
Robert BarryNOIC / Concord
Mathew BatesEmbrace Home Loans
Robert BatesMortgage Guaranty Insurance Corporation (MGIC)
David BattanyGuild Mortgage Company
Jon BaymillerNew York Community Bank
Teresa BazemoreRadian Guaranty, Inc.
Joseph BeacherEmbrace Home Loans
Kim BeattyEmbrace Home Loans
Libby BeaudryEmbrace Home Loans
Debbie BeausoleilPrimeLending, A PlainsCapital Company
Michael BechardEmbrace Home Loans
J� Lynn BecksteadSecurity National Mortgage Company
Khash BehnamNew American Funding
Mark BeislerWells Fargo Bank, N.A.
Judith BelangerCornerstone Home Lending, Inc.
Stephanie BelangerCornerstone Home Lending, Inc.
Judith BellArvest Bank
Kirt BellEmbrace Home Loans
Jane BemmerlOnQ Financial
Jennifer BenderUnion Home Mortgage
Carl BenefieldMortgage Guaranty Insurance Corporation (MGIC)
Richard BennionHomeStreet Bank
Kyle BensenMortgage Guaranty Insurance Corporation (MGIC)
Kristy BensonOnQ Financial
Anna BenzNew American Funding
Matthew BergGuild Mortgage Company
Michael BermanMichael Berman Consulting, LLC
Sarah BerrymanEmbrace Home Loans
Linda BesseyCommunity Savings Bank
Sherrell BethuneUnion Home Mortgage
Teresa BetzMortgage Bankers Association
Judy BickellHomeStreet Bank
John BickfordColonial Savings, F.A.
Kathleen BielAlliance Home Loans
Eric BiggersIBERIABANK Mortgage Company
Sebastian BilentschukEmbrace Home Loans
Kris BilodeauOnQ Financial
Brian BinashFirst Continental Mortgage, Ltd.
Troy BirdGuild Mortgage Company
Tim BirkmeierQuicken Loans, Inc.
Katheryn BiroUnion Home Mortgage
Erin BittenbenderPHH Mortgage
Adam BlackNew American Funding
Thomas BlackBlack, Mann & Graham, LLP
Kimberlee BlairUnion Home Mortgage
Diane Blais-CapeEmbrace Home Loans
Karen BlakesleePrimeLending
Albert BlankUnion Home Mortgage
Kenneth BlockNew American Funding
Megan BluherOnQ Financial
Jeffrey BodeMid America Mortgage, Inc.
Robert BodellStamm Mortgage Management
Tammy BoldtOn Q Financial
Derek BollsCornerstone Home Lending, Inc.
Brian BomarCornerstone Home Lending, Inc.
Heather BomarCornerstone Mortgage Company
Wayne BondCascade Financial
Susan BooseUnion Home Mortgage
Anthony BoothEmbrace Home Loans
Julie BoothQuicken Loans, Inc.
Laurie BoothFirst Continental Mortgage, Ltd.
James BoppPlatinum Home Mortgage Corporation
Tom BorrelliOnQ Financial
Byron BostonDynex Capital, Inc.
Michael BotelhoEmbrace Home Loans
Vickie BourassaColonial Savings, F.A.
Jeremy BowlingUnion Home Mortgage dba vLoan
Lori BowmanHomeowners Financial Group USA, LLC
Shirley BoyntonOnQ Financial
Jeff BraderNOIC / Concord
Noah BraderNOIC / Concord
Scott BraderNOIC / Concord
Amy BradnerEmbrace Home Loans
William BrandtAlliance Home Loans
Lisa BrantleyState Bank & Trust Company
Marc BreckenridgeMortgage Guaranty Insurance Corporation (MGIC)
Kim BrewerMortgage Guaranty Insurance Corporation (MGIC)
Larry BrewsterUnion Home Mortgage
Robert BriggsNew American Funding
Tom BriggsNew American Funding
Edgar BrightStandard Mortgage Corporation
Michael BrightPennyMac Financial Services, Inc.
Scott BristolPrimeLending
Christopher BrittonUnion Home Mortgage
Robert BroeksmitTreliant Risk Advisors, LLC
John BronsonEmbrace Home Loans
Joanne BrooksNOIC / Concord
Brandon BrownNew American Funding
Don BrownOptimal Blue, LLC
Joann BrownColonial Savings, F.A.
Shawna BrownUnion Home Mortgage
Nick BrownellEmbrace Home Loans
Sabine BrowningColonial Savings, F.A.
Sean BrowningSierra Pacific Mortgage Company, Inc.
Debra BruckmanUnion Home Mortgage
Todd BrunnerMembers Mortgage Services, LLC
Michael BryantCBRE Capital Markets
Richard BudziszerEmbrace Home Loans
Christie BuffMortgage Guaranty Insurance Corporation (MGIC)
Cynthia BuhrPrimeLending
Denise BullockOnQ Financial
Tim BullockUnion Home Mortgage
Christy BunceNew American Funding
Nathan BurchMcLean Mortgage Corporation
Tam BurchMcLean Mortgage Corporation
Marcella BurchettEmbrace Home Loans
Shari BurgoInlanta Mortgage, Inc.
Carol BurkeTop of Mind Networks
Edward BurkeKeyBank Mortgage
Greg BurkettSente Mortgage
Teri BurksNew American Funding
Jennifer BurlisonFederal Home Loan Bank of Chicago
Jeremy BurnettAlliance Home Loans
Joseph BurnettUnion Home Mortgage
Kenneth BurnettUnion Home Mortgage
Barrett BurnsVantageScore Solutions, LLC
John BurnsEmbrace Home Loans
Kathy BurnsOnQ Financial
Sandra BurroughsEmbrace Home Loans
Donald BurtonEvergreen Home Loans
Mary ButtreyOnQ Financial
Dawn BuxtonAlliance Home Loans
Donald CalcaterraTowne Mortgage Company
Maria CaldasEmbrace Home Loans
Chip CaldwellEquifax
John CalhounJohn Calhoun
Kim CallisMortgage Guaranty Insurance Corporation (MGIC)
Christina CampbellEmbrace Home Loans
Robert CandelmoMortgage Guaranty Insurance Corporation (MGIC)
Michelle CanterBradley Arant Boult Cummings, LLP
Rachel CapleLenderLive Network, Inc.
Larry CappellettiAlliance Home Loans
Richard Cardinali Union Home Mortgage
Brad CardwellEmbrace Home Loans
Margie CarinoMason-McDuffie Mortgage Corporation
Klaudene CarranzaOnQ Financial
Gabriel CarrascoCornerstone Home Lending, Inc.
Gail CarrickInlanta Mortgage
David CarrollQuicken Loans, Inc.
Michael CarrollMortgage Guaranty Insurance Corporation (MGIC)
John CarsonCherry Creek Mortgage Co., Inc.
Robert CarusoBank of America Home Loans
PAGE 6 MORPAC 2015 YEAR-END REPORT
MORPAC 2015 YEAR-END REPORT PAGE 7
Shawn CaryEmbrace Home Loans
Maylin CasanuevaTeraverde Financial
Justin CasaresNew American Funding
Kevin CaseEmbrace Home Loans
Brian CaseyWalker & Dunlop, LLC
Donna CaseyMortgage Guaranty Insurance Corporation (MGIC)
Sean CaseyOnQ Financial
Diane CastaldiEmbrace Home Loans
Sandra CastellanosNew American Funding
Joanne CavedineNOIC / Concord
Annemarie CazzarroEmbrace Home Loans
Jeff ChamplinEmbrace Home Loans
Robert ChaneyFirstBank
Penelope CharlsonInlanta Mortgage, Inc.
Casey CharpioAlliance Home Loans
Jack ChaseEmbrace Home Loans
Derek ChenVoya Investment Management
Yan ChenEmbrace Home Loans
Brad CheneyMortgage Bankers Association
Gregory ChiMortgage Guaranty Insurance Corporation (MGIC)
Joey ChimentiNew American Funding
Michael ChinnNew American Funding
Dave ChorltonHomeStreet Bank
Jenny Cho-WilliamsNew American Funding
Kathleen ChristensenAlliance Home Loans
Andrew ChurchOnQ Financial
Chad ChurchNew American Funding
Richard ChyetteQuicken Loans, Inc.
Linda ClampittCU Members Mortgage a Division of Colonial Savings, F.A.
Lynn ClancyNew American Funding
Jim ClappStarkey Mortgage, LLP
Adriana ClapperResidential Home Funding Corporation
Gary ClarkSierra Pacific Mortgage Company, Inc.
Pipi ClarkHomeStreet Bank
Shaun ClarkEmbrace Home Loans
Michael ClaryNew American Funding
Laurinda ClementeMERSCORP Holdings, Inc.
Yvette ClermontInlanta Mortgage, Inc.
Donna ClineAlliance Home Loans
Arthur CobleEmbrace Home Loans
Stephen CoccettiMortgage Guaranty Insurance Corporation (MGIC)
Ryan CodayAlliance Home Loans
Donna CoffeeEmbrace Home Loans
Sandra CoffmanCornerstone Home Lending, Inc.
James CoffriniSierra Pacific Mortgage Company, Inc.
Amelia ColbertMortgage Guaranty Insurance Corporation (MGIC)
Tracy ColeFirst Mortgage Company, LLC
Brendan ColemanWalker & Dunlop, LLC
Brian ColemanUnion Home Mortgage
Carol ColemanEmbrace Home Loans
Daniel ColemanNew American funding
Matt ColesPlaza Home Mortgage, Inc.
Marianne CollinsOhio Mortgage Bankers Association, Inc.
Mitch ComiNew American Funding
Chiara ComolliEmbrace Home Loans
Christine ComolliEmbrace Home Loans
Vicki CompherEmbrace Home Loans
Steve ConeColonial Savings, F.A.
Patti ConleyPrimeLending
Kevin ConlonMason-McDuffie Mortgage Corporation
Jay ConnorPrimeLending
Dollitta CookeFirst Continental Mortgage, Ltd.
Brent CooperAmerican Southwest Mortgage
Daniel CooperCornerstone Home Lending, Inc.
Geoffrey CooperMortgage Guaranty Insurance Corporation (MGIC)
Scott CooperUnion Home Mortgage
John CopelandColonial Savings, F.A.
Jeffrey CordeiroEmbrace Home Loans
Chris CordryPrimeLending
Marc CorvinoEmbrace Home Loans
Bill CosgroveUnion Home Mortgage
Paula CosgroveUnion Home Mortgage
Pamela CostaEmbrace Home Loans
Keith CostelloEmbrace Home Loans
Robert CouchBradley Arant Boult Cummings, LLP
Marcia Courson
Clifton CrabtreeFirst Continental Mortgage, Ltd.
Carolyn CraggEverBank
Darryl CrawfordSente Mortgage
John CreightonOnQ Financial
Thomas CroninThe Collingwood Group, LLC
Douglas CropseyUniversal American Mortgage Company
James CrossNew American Funding
Ashley CrosslinNattyMac, LLC
Logan CrowNew American Funding
Margaret CrowleyeMagic, An MGIC Company
Lisa CrumEmbrace Home Loans
Jennifer CullinanNew American Funding
Ron CulverUmpqua Bank
Elly CummingsMarketplace Home Mortgage
Henry CunninghamFirst Mortgage Company, LLC
Greg CurranUnion Home Mortgage
Richard CyngierUnion Home Mortgage
Gus DahlgrenUnion Home Mortgage
Linda DailUnion Home Mortgage
Richard DailOnQ Financial
Jessica DaleyEmbrace Home Loans
Madeline DambiEmbrace Home Loans
Carol DanaherCalifornia Mortgage Bankers Association
Lloyd DanielGeneration Mortgage Company
Lloyd DanielMason-McDuffie Mortgage Corporation
James DanisResidential Mortgage Corp.
Robert DanisEmbrace Home Loans
Douglas DankoBlack Knight Financial Services
Kerry DannenbergSWBC Mortgage
Dean DardzinskiMortgage Guaranty Insurance Corporation (MGIC)
Gregory DauphineeEmbrace Home Loans
Rose Marie DavidHomeStreet Bank
Patrick DavidsonNew American Funding
Marcia DaviesMortgage Bankers Association
Ramsey DaviesEmbrace Home Loans
Julie DavisCherry Creek Mortgage Co., Inc.
Sara DavisEmbrace Home Loans
Philip DeFronzoNorcom Mortgage
James DeitchTeraverde Financial
Brian DeJongAxia Home Loans
Tina Del CasaleEmbrace Home Loans
Sandy DeLaFuenteSente Mortgage
Joshua DelconteEmbrace Home Loans
Nelson DeLeonOnQ Financial
Nicholas DelTortoInlanta Mortgage, Inc.
Nicholas DeLucaEmbrace Home Loans
Maribell DemeterAlliance Home Loans
Ben DempseyColonial Savings, F.A.
Stephen DempseyMortgage Guaranty Insurance Corporation (MGIC)
Thomas DennardGrandbridge Real Estate Capital, LLC
Peter DeRooyUnion Home Mortgage
Gina DesantisEmbrace Home Loans
Douglas DesmondEmbrace Home Loans
Andrew DeutschleNOIC / Concord
Debra DeverColonial Savings, F.A.
Mark DeWittHomeStreet Bank
Russell DeyWalker & Dunlop
William DiCapuaUnion Home Mortgage
Waunita DiemPrimary Residential Mortgage, Inc.
Raymond DietzUnion Home Mortgage
Michael DillonUniversal American Mortgage Company
Nicole DillonCherry Creek Mortgage Co., Inc.
Mary DinkinsCornerstone Home Lending, Inc.
Brenda DintinoNew American Funding
Vincent DiOrioAcademy Mortgage Corp.
Cindy DirginsMortgage Guaranty Insurance Corporation (MGIC)
Kathleen DisharoonMGIC Corporate Library
Robyn DobbsNew American Funding
Maureen DohertyGenworth Mortgage Insurance
Jayson DonaldsonNorthMarq Capital, LLC
Latonia DonaldsonPrimeLending
Thomas DonneganCherry Creek Mortgage Co., Inc.
Frank DonnellyEverBank
Karen DonnellyEmbrace Home Loans
John DorenPinnacle Capital Mortgage, LLC
George DoverCascade Financial
Gerron DoverCascade Financial
Diane DownsUnion Home Mortgage
Patricia DrautFirst Continental Mortgage, Ltd.
James DuBoseColonial Savings, F.A.
John DukeUnion Home Mortgage
Kristy DumontEmbrace Home Loans
Cameron DuncanEmbrace Home Loans
Travis DungcaNew American Funding
Debbie DunnSWBC Mortgage
Sandra DunstMortgage Guaranty Insurance Corporation (MGIC)
Crystal DupontEmbrace Home Loans
Jeremy DuranNew American Funding
Ted DurantMortgage Guaranty Insurance Corporation (MGIC)
Al DussingerEmbrace Home Loans
Kim DybvadPrimeLending
Julie DychkewichMortgage Bankers Association
Dale DykemaT.D. Service Company
Emiliy EasonOnQ Financial
Don EasterlingCBRE Capital Markets
Michael EasterlyEmbrace Home Loans
Mimi EatonUnited Guaranty Corporation
Allan EdelsonWalker & Dunlop, LLC
Vance EdwardsMortgage Guaranty Insurance Corporation (MGIC)
Stephen EganEmbrace Home Loans
Scott EggenPrimeLending
Brandon EhrlichHomeStreet Bank
Robert EhrmanColonial Savings, F.A.
Merri ElkinsMortgage Guaranty Insurance Corporation (MGIC)
Tim ElkinsPrimeLending
Liesel Elkins-GodwinSente Mortgage
Karen ElliottSente Mortgage
Kevin EllisFirst Continental Mortgage
Mark ElstonUnion Home Mortgage
H� Burton EmbryPrimary Residential Mortgage, Inc.
Marlene EmersonQuicken Loans, Inc.
William EmersonQuicken Loans, Inc.
John EndresHOMESTREET BANK
Denise EnsignEmbrace Home Loans
Joel EpsteinOld National Bank
Trevor EschrichNew American Funding
Laura EscobarUniversal American Mortgage Company
Saudhi EscuderoMortgage Guaranty Insurance Corporation (MGIC)
Vanessa EstoqueSente Mortgage
Greg FallonEmbrace Home Loans
Michael FariaEmbrace Home Loans
Nadia Farkasnew american funding
Stephen FarmsworthWalker & Dunlop, LLC
Jay FarnerQuicken Loans, Inc.
John FarrellColonial Savings, F.A.
Michael FecteauEmbrace Home Loans
Caroline FedeleEmbrace Home Loans
Kim FederspielPulte Mortgage, LLC
Michael FeganEmbrace Home Loans
Tandi FeltsFirst Continental Mortgage, Ltd.
Scott FennerAmeriFirst Financial, Inc.
Matthew FensterEmbrace Home Loans
Carrie FenwickCU Members Mortgage a Division of Colonial Savings, F.A.
Wayne FergusonFreddie Mac
Tom FerraraHomeStreet Bank
Jim FerriterUnion Home Mortgage
Juan FimbresAlliance Home Loans
Melanie FinkelsteinHunton & Williams LLP
Sara FioritaMortgage Guaranty Insurance Corporation (MGIC)
Thomas FishJones Lang LaSalle
Tip FishburnMortgage Guaranty Insurance Corporation (MGIC)
Nicole FlakeCascade Financial
PAGE 8 MORPAC 2015 YEAR-END REPORT
MORPAC 2015 YEAR-END REPORT PAGE 9
Tari FlanneryM&T Realty Capital Corporation
Jolean FleckAlliance Home Loans
John FlemingTexas Mortgage Bankers Association
Lisa FloresOnQ Financial
Jeffrey FloryFirst American Mortgage Solutions
Ashleigh FlynnUnion Home Mortgage
Rae FoersterUnion Home Mortgage
Stephen FogdallSchnader Harrison Segal & Lewis, LLP
Michael FontainePlaza Home Mortgage, Inc.
Erin ForbesNew American Funding
Jessica ForbesNOIC / Concord
Eric FormillerNew American Funding
John ForshayMortgage Guaranty Insurance Corporation (MGIC)
Grabe FortmannEmbrace Home Loans
Rachel FowlerAmeripro Funding Inc.
Mark FranksPHH Mortgage
Michael FratantoniMortgage Bankers Association
Hugh FraterBerkadia
Misti FrazierAlliance Home Loans
Francine FreitagAlliance Home Loans
Willie FrenchCornerstone Home Lending, Inc.
Daniel FriedebergBarry Slatt Mortgage Company
Susan FriedrichMortgage Guaranty Insurance Corporation (MGIC)
Scott FrommertOnQ Financial
Tom FrosinaMERSCORP Holdings, Inc.
Christopher FrostPrimary Residential Mortgage, Inc.
Greg FrostFrost Mortgage Banking Group
Frank FuentesNew American Funding
Rian FureyLoanDepot.com, LLC
Robert FurmanNew American Funding
Kerry GabyOnQ Financial
Jeff GaccioneEmbrace Home Loans
David GahmAmerifirst Financial Corporation
Nicole GainesOnQ Financial
Robert GaitherPNC Bank, National Association
Adam GalbraithPrimeLending
Lisa GalbraithMortgage Guaranty Insurance Corporation (MGIC)
Carla GallasMortgage Guaranty Insurance Corporation (MGIC)
Craig GallegosAlliance Home Loans
Matthew GalliganCIT
Randy GallowayMortgage Guaranty Insurance Corporation (MGIC)
Gabriel GarciaNew American Funding
Jessica GarciaEmbrace Home Loans
Luis GarciaOnQ Financial
David GardnerNew American Funding
Mary GardnerHomeowners Financial Group USA, LLC
Retta GardnerGuaranty Trust Company
Benjamin GarrettAlliance Home Loans
Christopher GarzaNew American Funding
Cynthia GarzaUnion Home Mortgage
Susie GarzaPrimeLending
Eric GatesApex Home Loans Inc.
David GatheridgeEmbrace Home Loans
Sandra GauschPatriot Community Bank
Lawrence GavettUnion Home Mortgage
Annie GawkowskiMortgage Bankers Association
Bernard GawleyZiegler Financing Corporation
Nancy GebhartEmbrace Home Loans
Greg GentileEmbrace Home Loans
Christopher GeorgeCMG Financial
Daniel GilbertQuicken Loans, Inc.
Scott GillenStewart Lender Services
Jason GillespieSouthwest Bank
Rob GillonNew American Funding
Kari GirschNew American Funding
Lisa GladdingEmbrace Home Loans
Karen GladstoneEssent Guaranty, Inc.
Louise GodfreyMason-McDuffie Mortgage Corporation
William GodfreyMason-McDuffie Mortgage Corporation
Scott GoedenReference Point
Carrie GoldmanUniversal Lending Corporation
Carri GoldringUnion Home Mortgage
Charlie GomesEmbrace Home Loans
Daniel GonzalezAlliance Home Loans
Joan GonzalezOnQ Financial
Ofelia GonzalezNew American Funding
Robert GonzalezNew American Funding
Gary GoodmanEmbrace Home Loans
Joseph GormleyMortgage Bankers Association
Paul GouletEmbrace Home Loans
Erica GouseAtlantic Coast Mortgage, LLC
Justin GrableNew American Funding
Brenda GrabowskiMortgage Guaranty Insurance Corporation (MGIC)
Peter GraceMortgage Bankers Association
Caryn GraftonAtlantic Coast Mortgage, LLC
Natan GrageEmbrace Home Loans
Stephanie GrahamMortgage Bankers Association
Rex GraszUnion Home Mortgage
Aurora GraveMortgage Bankers Association
Sherry GrazianoSunTrust Bank
David GrecoMortgage Guaranty Insurance Corporation (MGIC)
Brent GreenLake Michigan Credit Union
David GreenThe StoneHill Group, Inc.
George GreenMortgage Bankers Association
Helen GreenTowneBank Mortgage
Patrick GreenWells Fargo Home Mortgage
Greg GreeneCBRE Capital Markets
Laurie GreeneMortgage Guaranty Insurance Corporation (MGIC)
J� Kingsley GreenlandDebtX
Susan GreenwaldHomeStreet Bank
Eileen GreyMortgage Bankers Association
C� William GriffinBlack Knight Financial Services
Kapri GriffinNew American Funding
Donald GriffithsUnion Home Mortgage
Aisling GrimesEmbrace Home Loans
Kevin GrindleOnQ Financial
James GrossMortgage Bankers Association
Lindsay GrossQuicken Loans, Inc.
Brad GrovesUniversal Lending Corporation
Kristina GrzywaczNew American Funding
Vina GuerreroNew American Funding
Kittie GugenheimMortgage Guaranty Insurance Corporation (MGIC)
Joel GuilbertAlliance Insurance Partners
Susan GummUniversal Lending Services
Joel GurmanQuicken Loans, Inc.
Judy GuthrieFirst Continental Mortgage, Ltd.
Alex GutierrezOn Q Financial, Inc.
Albert GuzmanNew American Funding
James GuzmanNew American Funding
Tania GuzmanNew American Funding
Tom HaaseHomeStreet Bank
John HaberlNew American Funding
Mark HaglerHomeStreet Bank
Jerry HaidingerMortgage Guaranty Insurance Corporation (MGIC)
Mary Ann HainesMortgage Guaranty Insurance Corporation (MGIC)
Brian HallLoanDepot.com, LLC
Cindy HallCornerstone Home Mortgage dba MHI Mortgage
Jennifer HallNOIC / Concord
Kevin HallNew American Funding
Ryan HallEmbrace Home Loans
Rob HallumNew American Funding
Mary HalseyEmbrace Home Loans
Roderick HalvorsonNew American Funding
Wade HambyThe StoneHill Group, Inc.
Carolyn HamesFirst Continental Mortgage, Ltd.
Cynthia HamiltonNew American Funding
Patricia HamiltonThe StoneHill Group, Inc.
Joni HamlettEmbrace Home Loans
Scott HamlingCherry Creek Mortgage Co., Inc.
Zachary HammanNew American Funding
Martha HammerOnQ Financial
Nicole HammockEmbrace Home Loans
Bryson HammondColonial Savings, F.A.
Hamid HamrahNew American Funding
John HanaskyUnion Home Mortgage
Christian HancockBradley Arant Boult Cummings, LLP
John HandyEmbrace Home Loans
Kevin HannonWells Fargo Home Mortgage
Daniel HansonEmbrace Home Loans
David HarderCherry Creek Mortgage Co., Inc.
Timothy HarderCherry Creek Mortgage Co., Inc.
Chad HardgravePrimeLending
Stacey HardingCherry Creek Mortgage Co., Inc.
Patrick HarriganRadian Guaranty, Inc.
Michael HarringtonOnQ Financial
Krista HarrisEmbrace Home Loans
Kristi HarrisPrimeLending
Michael HartnettPrimeLending
Zachary HatchEmbrace Home Loans
David HatlenHomeStreet Bank
Rebecca HavyerUnion Home Mortgage
Karl HaynesEmbrace Home Loans
Linglong HeQuicken Loans, Inc.
Bret HeadPrime Lending
David HeadMason-McDuffie Mortgage Corporation
William HedlundEmbrace Home Loans
Linda HeenanEmbrace Home Loans
Robert HelmanUnion Home Mortgage
Alexander HendersonTeraverde Financial
Margie HennesseyEmbrace Home Loans
Kelly HernandezEmbrace Home Loans
Lisa HernandezBear Creek Mortgage
Livingston HessamWalker & Dunlop, LLC
Dave HeuermannWallick and Volk, Inc.
Deborah HigginsNew American Funding
Tim HigginsEmbrace Home Loans
Susan HightEmbrace Home Loans
Debra HillArizona Mortgage Lenders Association, Inc.
Amy HilliardAmeriFirst Financial, Inc.
Matthew HodsonNorthMarq Capital, LLC
Eric HofstetterPrimeLending
Patrick HollandEmbrace Home Loans
Brad HollingsworthCorporate Management Advisors, Inc.
Jamie HollisOnQ Financial
Debra HollowayOnQ Financial
James HoltgravesMortgage Investment Services Corporation
Michael HoltmanEmbrace Home Loans
Robert HoodPrudential Mortgage Capital Company
Wesley HorbatuckNorcom Mortgage
Troy HouckAlliance Home Loans
Scott HouleEmbrace Home Loans
Bucky HouserArvest Bank
David HouserPrimeLending
Elaine HowardMortgage Bankers Association
Nisa HowardPrimeLending
Brian HowcroftAlliance Home Loans
Dan HreyOnQ Financial
Dean HuberWalker & Dunlop, LLC
John HudsonMortgage Financial Services, LLC
Janice HueyWells Fargo Home Mortgage
James HughesMortgage Guaranty Insurance Corporation (MGIC)
Jason HultgrenAmerisave Mortgage Corporation
Bill HultmanMERSCORP Holdings, Inc.
Cary HumphreyEmbrace Home Loans
Eugene HumphriesCornerstone Home Lending, Inc.
Jim HunterCornerstone Home Lending, Inc.
Cassandra HurstOnQ Financial
Jane HurstMortgage Guaranty Insurance Corporation (MGIC)
Kirk HutchingsEmbrace home loans
Susan IlavdiEmbrace Home Loans
Deborah ImondiRhode Island Mortgage Bankers Association, Inc.
John ImpagliazzoEmbrace Home Loans
Dean InnissRocky Mountain Mortgage Company
Mike InselmannFirst Continental Mortgage, Ltd.
Lisa IpekNew American Funding
Karen IrwinMortgage Guaranty Insurance Corporation (MGIC)
Meghedi IsajaniEmbrace Home Loans
PAGE 10 MORPAC 2015 YEAR-END REPORT
MORPAC 2015 YEAR-END REPORT PAGE 11
Scott IsselCherry Creek Mortgage Co., Inc.
Greg JacksonCornerstone Home Lending, Inc.
Walter JacoboNew American Funding
Jolene JaehneSente Mortgage
David JaffeOnQ Financial
Jeffrey JaffeeBank of the West
Dawn JamesOnQ Financial
Nancy JarboeEmbrace Home Loans
Steven JeffcoatStandard Pacific Mortgage
Diane JenkinsThe Middleberg Riddle Group / MRG Document Technologies
George JenkinsNorthMarq Capital, LLC
Pamela JenkinsAmeripro Funding Inc.
Tonya JenkinsUniversal Lending Corporation
Christine JensenCherry Creek Mortgage Co., Inc.
Odalis JimenezEmbrace Home Loans
Brian JohnsonEmbrace Home Loans
Charlene JohnsonEmbrace Home Loans
Emily JohnsonOnQ Financial
Guy JohnsonWalker & Dunlop, LLC
Harold JohnsonEmbrace Home Loans
Olevia JohnsonAlliance Home Loans
Phoebe JohnsonOnQ Financial
Madeline Johnson-OlerMilliman, Inc.
Lynette JohnstonNew American Funding
Mark JonesAmerifirst Financial Corporation
Richard JonesDechert, LLP
Terry JonesCherry Creek Mortgage Co., Inc.
Tim JordenHomeowners Financial Group USA, LLC
Alexander JungBB&T
Mo KabirFirst Continental Mortgage, Ltd.
Karen KaganOnQ Financial
Jorge KalbAtlas One Financial
Bryan KanefieldMERSCORP Holdings, Inc.
Laura KappMortgage Guaranty Insurance Corporation (MGIC)
Milton KaravitesNew American Funding
Kenneth KasnettEmbrace Home Loans
Jeff KauneEmbrace Home Loans
Christopher KeefeEmbrace Home Loans
Sara KelleyNebraska Mortgage Association, Inc.
Denito KellyUAMC
Bill KelsoChase
David KembleAlliance Home Loans
Ashley KendrickCalAtlantic Mortgage
Kevin KennedyNew American Funding
Parker KennedyFirst American Mortgage Solutions
T� J� KennedyUniversal Lending Corporation
Lauren KenneyMortgage Bankers Association
Daniel KenyonEmbrace Home Loans
Martin KerrLoan Vision
Mishel KeshishianNew American Funding
Kimberly KestlerEmbrace Home Loans
John KettlewellPrime Lending
Mitchel KiderWeiner Brodsky Kider PC
Ryan KieferPrimeLending
Michael KievalWeiner Brodsky Kider PC
Bill KillmerMortgage Bankers Association
William KillmerMortgage Bankers Association
Tara KimNew American Funding
Thomas KimMortgage Bankers Association
John KimballLand Title Guarantee Company
Donald KingWalker & Dunlop, LLC
Jane KingPlatinum Home Mortgage Corporation
Matt KingNew American Funding
Ralph KingEmbrace Home Loans
Tamara KingMortgage Bankers Association
David KittleFirst American Mortgage Solutions
Keith KleinPrimeLending
Dan KlingerK. Hovnanian American Mortgage, LLC
Ned KneadlerLHM Financial Corporation dba CNN Mortgage
Brent KnippEmbrace Home Loans
Lorin KnudsonPrimary Residential Mortgage, Inc.
Claudia KoehlerMortgage Guaranty Insurance Corporation (MGIC)
Robin KoernerOnQ Financial
Aaron KoernigAlliance Home Loans
John KojoianEmbrace Home Loans
Cindy KolmeierOnQ Financial
Neil KolskowskiEmbrace Home Loans
John KonykWeiner Brodsky Kider PC
William KooperMortgage Bankers Association
Jon KorpelaMortgage Guaranty Insurance Corporation (MGIC)
Jamie KorusAlliance Home Loans
Jeff KraatzEmbrace Home Loans
Shawn KrauseQuicken Loans, Inc.
Mark KrauterMortgage Guaranty Insurance Corporation (MGIC)
Kelly KrauthUnion Home Mortgage
Lena KremerOnQ Financial
Hugh KretschmerCustomers Bank
Benjamin KrosinWalker & Dunlop, LLC
Jonas KruckebergTop of Mind Networks
Nikki KrukovskyUnited Guaranty Corporation
Nate KucheraNew American Funding
David KuhnUnion Home Mortgage
Tracey KuipersUnion Home Mortgage
Ana KuleshEmbrace Home Loans
Michael KullMortgage Guaranty Insurance Corporation (MGIC)
Kris KullyK&L Gates
Jim LabbeMortgage Guaranty Insurance Corporation (MGIC)
Christopher LaBiancaUBS
Maria LabiePrimeLending
Suzanne LaCariaMortgage Guaranty Insurance Corporation (MGIC)
Beth LaChanceAmeriFirst Financial, Inc.
Paul LacyFirst Continental Mortgage, Ltd.
Adam LairdCornerstone Home Lending, Inc.
Marc LairdCornerstone Home Lending, Inc.
Gina LalliEmbrace Home Loans
Donald LampeMorrison & Foerster LLP
Austin R LampsonOnQ Financial
Robert LamyEmbrace Home Loans
Jennette LandrumNew American Funding
DONORS (CONTINUEDDONORS (CONTINUED
Blake LanfordWalker & Dunlop, LLC
Frederick LangUnion Home Mortgage
Paul LangUnion Home Mortgage
Peter LansingUniversal Lending Corporation
Charles LapeEmbrace Home Loans
Lisa LaPointeMortgage Guaranty Insurance Corporation (MGIC)
Thomas LaposkiMortgage Guaranty Insurance Corporation (MGIC)
Ken LarsenBanner Bank
Stewart LarsenBank of the West
Carryne LatadaNew American Funding
Mindy LatiniMortgage Bankers Association
Chris LauterbachColonial Savings, F.A.
Jeff LauxCascade Financial
Kaitlyn LavoieEmbrace Home Loans
Jeff LawsEmbrace Home Loans
Vu LeFirst Continental Mortgage, Ltd.
Chris LeavellFirst American Mortgage Solutions
Frank LeeOnQ Financial
Jim LeeOnQ Financial
Kelly LeePrime Lending
Michael LeeWalker & Dunlop, LLC
Brent LehmanUnion Home Mortgage
Dalia LemusNew American Funding
Lisa LeonardMortgage Bankers Association
Skip LeonhardMortgage Guaranty Insurance Corporation (MGIC)
Katherine LepplaMortgage Guaranty Insurance Corporation (MGIC)
Michael LesinskiNew American Funding
Norman LeungEmbrace Home Loans
Rob LevyHomeStreet Bank
Rachel LewisEmbrace Home Loans
Toni Lewis-BennettMortgage Bankers Association
Todd LilloUnion Home Mortgage
Ambrose LingEmbrace Home Loans
Kevin LingEmbrace Home Loans
Joni ListonNew American Funding
Alan LloydTeraverde Financial
Dusty LloydNew American Funding
Connor LockeWalker & Dunlop, LLC
Stephanie LockhartEverBank
Timothy LongEmbrace Home Loans
Andrew LookerOnQ Financial
Maria LopesEmbrace Home Loans
Eduardo LopezNew American Funding
Rodrigo LopezNorthMarq Capital, LLC
Corey LorenzCornerstone Home Lending, Inc.
Mario LoriaNew American Funding
Robert LotsteinLotsteinLegal, PLLC
Sarah LottEmbrace Home Loans
Natalie LoudanPrime Lending
Christopher LoughnaneNew American Funding
Tony LoveForest City Finance Corporation
Heather LovierQuicken Loans, Inc.
Regina LowrieRML Advisors.com
David LowrimoreOnQ Financial
Brandon LozanoUnion Home Mortgage
Dawn LubegaEmbrace Home Loans
Armando LuceroAlliance Home Loans
Brady LuceyEmbrace Home Loans
Karen LugarCornerstone Home Lending, Inc.
Gene LugatPrimeLending
Will LuperEmbrace Home Loans
Erik LutzAmeriFirst Financial, Inc.
Anthony LuzziSims Mortgage Funding, Inc.
Jennifer LynchEmbrace Home Loans
Kim LynchCunningham & Company
Michael LyonQuicken Loans, Inc.
Mark LyonsValuation Partners
Julie MabieSunTrust Mortgage, Inc.
John MacAndrewOnQ Financial
Sarah MacDonaldEmbrace Home Loans
Laurie MaceUnion Home Mortgage
Mary Ellen MacInnisMortgage Guaranty Insurance Corporation (MGIC)
Dayna MacintoshAlliance Home Loans
Robert MacIntoshAlliance Home Loans
James MackNew American Funding
Jay MackOnQ Financial
Keller MackieMackie Wolf Zientz & Mann, P.C.
James MacLeodCoastalStates Bank
Robert MaddoxBradley Arant Boult Cummings, LLP
Alicia MaestasOnQ Financial
Renee MaestasAlliance Home Loans
Sharon MagnusonCaliber Home Loans, Inc.
Peter MahoneySunTrust Mortgage, Inc.
Philip MahoneyAmerican Security Mortgage Corp.
Tim MakoutzMortgage Guaranty Insurance Corporation (MGIC)
Robin MalloryMortgage Guaranty Insurance Corporation (MGIC)
Michael MalloyQuicken Loans, Inc.
Michael ManleyEmbrace Home Loans
Don MannMann Financial, Inc.
Gregory ManosNew American Funding
Connie ManuelFirst Continental Mortgage, Ltd.
Belinda MarcetFirst Continental Mortgage, Ltd.
Anthony MarchesiAlliance Home Loans
David MarinezNew American Funding
George MarkTeraverde Financial
Ken MarkisonMortgage Bankers Association
Kathy MarquardtMortgage Bankers Association
Kay MarshallSunTrust Mortgage, Inc.
Frank MartellCoreLogic
Camelia MartinMERSCORP Holdings, Inc.
David MartinCoreLogic
Dustin MartinEmbrace Home Loans
Phil MartinelliNew American Funding
Alex MartinezSynergy One Lending, Inc.
Jason MartinsonHomeStreet Bank
Russ MaskPrime Lending
Mark MasonHomeStreet Bank
Tim MattkeMortgage Guaranty Insurance Corporation (MGIC)
Margaret MatuzaUnion Home Mortgage
F� Allen MaulsbyColonial Savings, F.A.
Jared MaxwellEmbrace Home Loans
Gary MayEmbrace Home Loans
PAGE 12 MORPAC 2015 YEAR-END REPORT
Jeffrey MayCherry Creek Mortgage Co., Inc.
Tracy Maynard ColeColonial Savings, F.A.
Maureen McAllisterNew American Funding
Shelly McCammondAlliance Home Loans
Debra McCloudNOIC / Concord
Denise McConvilleNew American Funding
Kyle McCordFirst Mortgage Company, LLC
Ron McCordFirst Mortgage Company, LLC
William McCrearyUnion Home Mortgage
Marcus McCueGuardian Mortgage Co., Inc.
William McCueMcCue Mortgage Company
Dillon McDonaldAlliance Home Loans
Gina McDougallEmbrace Home Loans
Dayna McElreathSente Mortgage
Mary Ann McGarryGuild Mortgage Company
Michael McGillEmbrace Home Loans
Neal McGrathMortgage Guaranty Insurance Corporation (MGIC)
Kelly McGuinnessPrimeLending
Brett McGuireWalker & Dunlop
Douglas McIltrotUnion Home Mortgage
David McKeePriority Mortgage Corp.
Susan McLarenUnion Home Mortgage
Gary McPeekNew American Funding
Erin McSweeneyEmbrace Home Loans
John MechemMortgage Bankers Association
Rebecca MedeirosUnion Home Mortgage
David MehanOnQ Financial
Mansoor MeheraliNew American Funding
Ellyn MeisterUniversal Lending Corp.
Annette MelcherMortgage Guaranty Insurance Corporation (MGIC)
Marco MeloEmbrace Home Loans
James MeltonEmbrace Home Loans
Keith MeltonWalker & Dunlop, LLC
Deb MeogrossiMortgage Forums, LLC
Jennifer MetzgerPulte Mortgage, LLC
David MeurerPrimeLending
Dave MeyerHomeStreet Bank
Richard MeyerNOIC / Concord
Jonathan MezzadriNew American Funding
Peter MicroulisEmbrace Home Loans
Tom MiddletonOnQ Financial
Tricia MigliazzoMortgage Bankers Association
Emily MihailoffOnQ Financial
James MilanoWeiner Brodsky Kider PC
Susan MilazzoCalifornia Mortgage Bankers Association
Andrea MillerAlliance Home Loans
Brandon MillerEssent Guaranty, Inc.
Cheryl MillerEmbrace Home Loans
James MillerNew American Funding
Mary MillerEmbrace Home Loans
Russ MillerNew American Funding
Pete MillsMortgage Bankers Association
Robert MillsFirst Continental Mortgage, Ltd.
Salvatore MiosiMortgage Guaranty Insurance Corporation (MGIC)
Elyse MitchellMortgage Guaranty Insurance Corporation (MGIC)
Reid MitchellColonial Savings, F.A.
Joshua MoffittSilverton Mortgage Specialists
Kevin MoitosoEmbrace Home Loans
Juan Carlos MolinaEmbrace Home Loans
Mariana MontalvoEmbrace Home Loans
Lorenzo MontecinoEmbrace Home Loans
Deborah MooreCapital Markets Cooperative, LLC
Scott MoraineOnQ Financial
Steven MoraisEmbrace Home Loans
Diane MorenoUnion Home Mortgage
Thomas MorenoUniversal American Mortgage Company
James MorinNorcom Mortgage
Barbara MorrisEmbrace Home Loans
Kari MorrisonMegastar Financial
Christine MosserMortgage Bankers Association
Christina MosseyEmbrace Home Loans
J� David MotleyColonial Savings, F.A.
Craig MuellerWalker & Dunlop, LLC
D� Michael MulwaniBB&T
Jerome MurphyMortgage Guaranty Insurance Corporation (MGIC)
Kris MurphyAdvisors Capital, Inc.
Stacey MurphyMortgage Guaranty Insurance Corporation (MGIC)
Thaddeus MusserAtlantic Coast Mortgage
Angela MuxworthyNusenda Credit Union
Mark NagielPrimeLending
Anand NallathambiCoreLogic
Shekar NarasimhanBeekman Advisors, Inc.
Dawn NayaHomeStreet Bank
Tim NeerColonial Savings, F.A.
Gene NeillMortgage Bankers Association
Debra NelsonMortgage Guaranty Insurance Corporation (MGIC)
Yanna NelsonHomeStreet Bank
Debra NesmithNew American Funding
Jay NewOnQ Financial
Kimberly NewellMortgage Bankers Association
An NguyenFirst Continental Mortgage, Ltd.
Anne NguyenNew American Funding
Huyen NguyenNew American Funding
Mary NguyenCMG Financial
Daniel NicartNew American Funding
Jim NolteMegastar Financial
Peter NordenHomeBridge Financial Services, Inc.
David NorrisLoanDepot.com, LLC
Carol NortonNew American Funding
Pamela NovakFirst Continental Mortgage, Ltd.
Scott NowakMortgage Bankers Association
Kurt NoyceEmbrace Home Loans
Kandice NoyolaUnion Home Mortgage
Tony NuckollsQuicken Loans, Inc.
Christine ObermayerNew American Funding
Jason ObradovichNew American Funding
Carolina OcampoEmbrace Home Loans
Shannon OchoaOnQ Financial
Stephen O’ConnorMortgage Bankers Association
Dianna OdellEmbrace Home Loans
MORPAC 2015 YEAR-END REPORT PAGE 13
Brian O’DellBradley Arant Boult Cummings, LLP
Patrick OdomSente Mortgage
Mary O’DonnellWestcor Land Title Insurance Company
Jeffrey OgdenNOIC / Concord
Sean O’KaneEmbrace Home Loans
William O’KellerMason-McDuffie Mortgage Corporation
Michael OldenAmerican Reporting Company
Mark OrrColonial Savings, F.A.
Greg OsborneBridge Capital Resources
Nancy OscoNew American Funding
Paul OttosonEmbrace Home Loans
Nick PabarcusStearns Lending, LLC
Anita Padilla-FitzgeraldMegaStar Financial Corp
Nathan PaffUnion Home Mortgage
Aaron PageOnQ Financial
Jeremy PageInlanta Mortgage Inc.
Robert PainterNew American Funding
Christopher PaliskaNew American Funding
Leonard PalizzaEmbrace Home Loans
Wayne PalkovicEmbrace Home Loans
Robert ParkUniversal American Mortgage Company
Evelyn ParkerEmbrace Home Loans
Rebecca ParkerEmbrace Home Loans
Stephen ParrilloEmbrace Home Loans
Michael ParsonsApex Home Loans Inc.
Chuck PatenaudeDougherty Mortgage, LLC
Pamela PatenaudeJ. Ronald Foundation for Housing American’s Families
Laura PattonMortgage Bankers Association
Andrew PatykulaSims Mortgage Funding, Inc.
Beth PavletichMortgage Guaranty Insurance Corporation (MGIC)
Trent PeakerMegastar Financial Corp
Cody PearceCascade Financial
Kevin PearsonCalAtlantic Mortgage
Alexandra PedroEmbrace Home Loans
Greg PeeleEmbrace Home Loans
Josh PenlandSente Mortgage
Andy PerlmanFirst Continental Mortgage, Ltd.
Chris PerryMortgage Guaranty Insurance Corporation (MGIC)
Jeff PerryQuicken Loans, Inc.
John PetersonNew American Funding
Robert PetersonTeraverde Financial
Kevin PezzaniLSI Mortgage Plus
Michael PfeiferPfeifer & De La Mora, LLP
Kurt PfotenhauerFirst American Title Insurance Company
Catherine PharisWells Fargo Bank, N.A.
Daniel PhelanPacific Southwest Realty Services
Maura PhillipsMortgage Guaranty Insurance Corporation (MGIC)
Robert PhippsOnQ Financial
Stephen PiazzaQuicken Loans, Inc.
James PicardDenali Alaskan Federal Credit Union
A�W� PickelLeaderOne Financial Corporation
Bob PickhamSouth Pacific Financial Corporation
Scott PieperMegaStar Financial Corp
Julie PiephoCornerstone Home Lending, Inc.
Thomas PiercyInteractive Mortgage Advisors, LLC
Richard PilgerUnion Home Mortgage
Jeremy PinoWalker & Dunlop, LLC
Lori PintoCenlar FSB
Theresa PiperUnion Home Mortgage
Rosemarie PirioNew American Funding
Alex PirroNew American Funding
William PittmanMortgage Guaranty Insurance Corporation (MGIC)
Diane PlummerNew American Funding
Barbara PodgerOnQ Financial
Kurt PogoloffNew American Funding
Chase PolhemusEmbrace Home Loans
Jeffrey PollardAlliance Home Loans
Diane PolleyUnion Home Mortgage
Kurt PologoffNew American Funding
Kevin PopoliUnited Guaranty Corporation
Dean PorterEmbrace Home Loans
Bernice PoteetUnion Home Mortgage
Brian PotestivoPotestivo & Associates, PC
Jeremy PotterNorcom Mortgage
Scott PotterAlliance Home Loans
Geoff PottsFirst Continental Mortgage, Ltd.
Kelly PowersAmeriFirst Financial, Inc.
Devin Powers DavisNew American Funding
Jim PrattEmbrace Home Loans
Kenneth PrattEmbrace Home Loans
Randall PresentDHI Mortgage Company
Eric PrestonAlliance Home Loans
Todd PruittCherry Creek Mortgage Co., Inc.
Linda PryorUniversal Lending Corporation
Scott PschirerUnion Home Mortgage
Denise PuckettMortgage Guaranty Insurance Corporation (MGIC)
Tammy PullenCornerstone Home Lending, Inc.
Sharron PustejovskyColonial Savings, F.A.
Susan PutnamHomeStreet Bank
Keith PyatakEmbrace Home Loans
Michael QuinnOnQ Financial
Beny RabuchinNew American Funding
James RacanelliSente Mortgage
Daniel RacherBB&T
John RadinMason-McDuffie Mortgage Corporation
Pamela RaeberKings Mortgage Services, Inc.
Mike RaffaEmbrace Home Loans
Jeff RaichMortgage Guaranty Insurance Corporation (MGIC)
Alex RamirezNew American Funding
Troy RampyUnited Guaranty Corporation
Michelle RanceEmbrace Home Loans
Melvin RandlePrimeLending
Manuel RaposoEmbrace Home Loans
Mark RaskinPrimeLending
Jack RatanapratumNew American Funding
Brad RatliffPriority Mortgage Corp.
David RattiEmbrace Home Loans
Dan RawitchPrimeLending
Leslie RaymondUnion Home Mortgage
PAGE 14 MORPAC 2015 YEAR-END REPORT
Jeffrey ReardonEmbrace Home Loans
Michael Rebibo1st Portfolio Lending Corporation
Dennis ReedUnion Home Mortgage
Jon ReedNew American Funding
Tanya ReederUnion Home Mortgage
Marc RegoPulte Mortgage LLC
Nancy RehseNew American Funding
Jan ReidCherry Creek Mortgage Co., Inc.
Cary ReinesEmbrace Home Loans
Patricia ReinigerHomeowners Financial Group USA, LLC
Cindy ReinkeOnQ Financial
David RembertCornerstone Home Lending, Inc.
Terry RemigioUniversal Lending
Linda ReppUnion Home Mortgage
Al RexWalker & Dunlop, LLC
Thomas RhodesSente Mortgage
David RicciPrimeLending
Celine RiceEmbrace Home Loans
Jeff RichardUnion Home Mortgage
Kevin RichardiEmbrace Home Loans
Haydn RichardsBradley Arant Boult Cummings, LLP
Lori RichardsonCherry Creek Mortgage Co., Inc.
Marilyn RichardsonMason-McDuffie Mortgage Corporation
Sabrina RichardsonCornerstone Home Lending, Inc.
John RichterAlliance Home Loans
Janet RichuisaUnion Home Mortgage
Debra RickardUniversal Lending Corporation
Ellie RidgleyOnQ Financial
Patrick RileyEagle Home Mortgage, LLC
Greg RiordanNew American Funding
Reggie RiversUniversal Lending Corporation
Douglas RobbinsPrimeLending
John RobbinsThe Mortgage Collaborative
Elizabeth Robbins-JohnsonUnion Home Mortgage
Mark RobergeMERSCORP Holdings, Inc.
Angie RobertsEverBank
Kimberly RobertsAlliance Home Loans
Dawn RobinsonPrimeLending
Margo RockasOnQ Financial
Mike RockeyOnQ Financial
Dora RodriguezAlliance Home Loans
Jay RodriguezNew American Funding
Lorraine RodriguezNew American Funding
Martin RodriguezTri-Emerald Financial Group
Joe RogersWells Fargo Home Mortgage
Walter RogersPartners Trust Bank
Donna RoggeSente Mortgage
Carol RomoAlliance Financial Resource, LLC
Andy RosalesU.S. Bank Home Mortgage
Adam RoseNew American Funding
Teresa RoseWestern Ohio Mortgage
Mordecai RosenbergGreystone Servicing Corporation, Inc.
Stephen RosenbergGreystone Servicing Corporation, Inc.
George RosenfieldHomeStreet Bank
Ray RoshanNew American Funding
Laura RosichMortgage Guaranty Insurance Corporation (MGIC)
Sheila RossOnQ Financial
E� Michael RosserCherry Creek Mortgage Co., Inc.
Jason RothbardNew American Funding
Gloria RoumpakisUnion Home Mortgage
Alicia RoundyMortgage Bankers Association
Deanna RoyEmbrace Home Loans
Gregg RoyEmbrace Home Loans
Javier RuizNew American Funding
Sandra RuizNew American Funding
Christopher RumulWalker & Dunlop, LLC
Steve RunnelsUnion Home Mortgage
Kathleen RunyanWalker & Dunlop, LLC
Sunshine RussellAlliance Home Loans
Lawrence RussolinoEmbrace Home Loans
James RutkowskiUnion Home Mortgage
Dawn RyanEmbrace Home Loans
Jerra RyanCherry Creek Mortgage Co., Inc.
Karen RyanUnion Home Mortgage
Patrick RyanEmbrace Home Loans
Sandra RyanOnQ Financial
Mary RzucidloUSAA Federal Savings Bank
Kale SalmansPrimeLending
Todd SalmansPrimeLending
Lloyd SanMortgage Guaranty Insurance Corporation (MGIC)
Sam SanandajifarNew American Funding
Cody SanderlinFirst Continental Mortgage, Ltd.
Barry SandoCoreLogic
Bruce SandweissGershman Mortgage
Eric SantosEmbrace Home Loans
Kendall SargentNew American Funding
Shirley SasserTowneBank Mortgage
Jason SavoieEmbrace Home Loans
Scott ScavuzzoUnion Home Mortgage
Sherry SchappacherUnion Home Mortgage
Ann ScherzingerMortgage Guaranty Insurance Corporation (MGIC)
John SchiavoAmeriFirst Financial, Inc.
Virginia SchlectCornerstone Home Lending, Inc.
Stacy SchlicherUnion National Mortgage Co.
Terry SchmidtGuild Mortgage Company
Joy SchnecklothNew American Funding
Michael SchopOnQ Financial
David SchroedereMagic, An MGIC Company
John SchroederMortgage Guaranty Insurance Corporation (MGIC)
Tammy SchullerNew American Funding
Mathew SchulzFirelight Mortgage Consultants
Merrill SchulzeNew American Funding
Faith SchwartzCoreLogic
Jeff ScolloEmbrace Home Loans
Liz ScottPMI Mortgage Insurance Co.
Martin ScovitchEmbrace Home Loans
Christopher SegallaEmbrace Home Loans
Lisa SegelquistSente Mortgage
Ric SegoviaGeorge Mason Mortgage, LLC a Subsidiary of Cardinal Bank
Kerry SeibertEmbrace Home Loans
Frankie SellerOnQ Financial
MORPAC 2015 YEAR-END REPORT PAGE 15
Peter SemenakMortgage Guaranty Insurance Corporation (MGIC)
Avi SenguptaBank of America Home Loans
Timothy SenneHomeStreet Bank
Kasra ShahebrahimiAlliance Home Loans
Hovik ShahinianNew American Funding
Peter ShapiroMortgage Bankers Association
Hooman SharifiNew American Funding
Beau SharkeyNew American Funding
David ShawEmbrace Home Loans
Ryan SheaHomeStreet Bank
Sharah ShelmireOnQ Financial
David Shelor, JrEmbrace Home Loans
Denise SheltonOnQ Financial
Vicki SheltonSente Mortgage
Sondra ShemerEmbrace Home Loans
Dottie SheppickBank of America Home Loans
April SherrillAlliance Home Loans
Josh SherrillAlliance Home Loans
Matt ShevlinWalker & Dunlop, LLC
Vicki ShinnNew American Funding
Mohammad ShirdelNew American Funding
Steve ShoemakerSynovus Mortgage Corp.
Rod ShusterUniversal Lending Corporation
Christina SierackiUnion Home Mortgage
Yvette SierraOnQ Financial
Joseph SilvaEmbrace Home Loans
Laura SilvesterOnQ Financial
Cynthia SimmonsCornerstone Home Lending, Inc.
CJ SimpsonUnion Home Mortgage
William SimpsonMason-McDuffie Mortgage Corporation
Rebecca SingerNew American Funding
Patrick SinksMortgage Guaranty Insurance Corporation (MGIC)
Ellen SkaggsNew American Funding
Shawn SkjonsbyNew American Funding
John SkobaCornerstone Home Lending, Inc.
Phyllis SlesingerMortgage Bankers Association
Matthew SmaleOnQ Financial
Mike SmallingFirst Continental Mortgage, Ltd.
Amos SmithJohnson Capital
Becky SmithMegaStar Financial Corp
Brant SmithHomeowners Financial Group USA, LLC
Brenda SmithMortgage Guaranty Insurance Corporation (MGIC)
Brian SmithUnion Home Mortgage
Christopher SmithUnion Home Mortgage
Clavis SmithPrimeLending
Connie SmithUnion Home Mortgage
Frank SmithMortgage Guaranty Insurance Corporation (MGIC)
Geoff SmithWalker & Dunlop, LLC
Janis SmithMERSCORP Holdings, Inc.
Stephen SmithMortgage Investors Group
Traci SmithEmbrace Home Loans
Chandra SmockNew American Funding
Pamela SneadEmbrace Home Loans
Greg SnowHomeStreet Bank
Brad SnyderFirst Continental Mortgage, Ltd.
Brian SnyderNOIC / Concord
John SocknatBallard Spahr, LLP
Michael SoldatiFirst Priority Financial
Dick SolheimLenderLive Network, Inc.
Michelle SolomonEmbrace Home Loans
Michael SorohanMortgage Bankers Association
Christy SoukhamneutStarkey Mortgage, LLP
Amy SousaEmbrace Home Loans
Deborah SousaMassachusetts Mortgage Bankers Association, Inc.
Cindy SouthlandEmbrace Home Loans
Adam SouzaEmbrace Home Loans
Joseph SouzaAssociated Bank
Wilmagene SpenceUnion Home Mortgage
Kevin SpinnerEmbrace Home Loans
Lisa SpringerSTRATMOR Group
Damian SquiresSierra Pacific Mortgage Company, Inc.
Holly St GermainOnQ Financial
Paul StaffordNew American Funding
Tim StaffordNew American Funding
Robert StanfillNew American Funding
Lori StantonUnion Home Mortgage
Ross SteckelbergAlliance Home Loans
Kristy SteckerMortgage Guaranty Insurance Corporation (MGIC)
Natalie SteenNew American Funding
Samantha SteenMortgage Guaranty Insurance Corporation (MGIC)
Angela StephanEmbrace Home Loans
Thomas SteppeMortgage Guaranty Insurance Corporation (MGIC)
David StevensMortgage Bankers Association
Judy StevensMegastar Financial
Scott StevensEmbrace Home Loans
Susan StevensonUnion Home Mortgage
Cameron StewartEmbrace Home Loans
Scott StewartSWBC Mortgage
Susan StewartSWBC Mortgage
Debra StillPulte Mortgage LLC
Dan StilwellMortgage Guaranty Insurance Corporation (MGIC)
Carrie StingleUnion Home Mortgage
Kate StinsonOn Q Financial
Laura StirlingMortgage Guaranty Insurance Corporation (MGIC)
Jamie StocksUnion Home Mortgage
Wendy StockwellEmbrace Home Loans
Eric StoddardWells Fargo Home Mortgage
Matthew StofferQuicken Loans, Inc.
Brian StoffersCBRE Capital Markets
William StokesAmerican Security Mortgage Corp.
Marsha StoneUnion Home Mortgage
Melissa StoneUnion Home Mortgage
Roger StottsNew American Funding
Robert StoutQ10 Capital, LLC
David StrangeWalker & Dunlop, LLC
Griffith StrawSolidifi
Dudley StrawnPrime Lending
Stanley StreetStreet Resource Group, Inc.
Paula StretzMortgage Guaranty Insurance Corporation (MGIC)
PAGE 16 MORPAC 2015 YEAR-END REPORT
Christy StricklandUnion Home Mortgage
Alise StricklettOnQ Financial
Sheila StrongAmeriFirst Financial Corporation
Cathy Stroud PrimeLending
Ryan StumCascade Financial
Alex SuarezOnQ Financial
Sara SuarezOnQ Financial
Daniel SuggGold Star Mortgage Financial Group, Corp.
Paula SulakUnion Home Mortgage
Kelley SullivanStarkey Mortgage
Meghan SullivanMortgage Bankers Association
Michael SullivanPulte Mortgage, LLC
Jeff SvantnerUnion Home Mortgage
Bruce SvelaEagle Home Mortgage, LLC
Anthony SvobodaNew American Funding
Amy SwaneyCitywide Home Loans / CHL Mortgage
Abraham SweetSente Mortgage
Jeffrey SwiderskiEmbrace Home Loans
Jill SwindullPrimeLending
John SwordsFirst Continental Mortgage, Ltd.
George SzokaUnion Home Mortgage
Janice SzurUnion Home Mortgage
Stephanie TafoyaNew American Funding
Joe TakoHomeStreet Bank
Michael TannerPacific Southwest Realty Services
Herbert TaskerMason-McDuffie Mortgage Corporation
Donna TateNOIC / Concord
Brad TauntHomeStreet Bank
Mike TaveiraEmbrace Home Loans
Travis TaylorColonial Savings, F.A.
Allen TeermanUnion Home Mortgage
Mario TeixeiraSunset Mortgage Company, LP
Jarrett TempleAlliance Home Loans
Richard TevesEmbrace Home Loans
Karen ThaggardEmbrace Home Loans
Stergios TheologidesCoreLogic
Christopher ThibeaultEmbrace Home Loans
Kathie ThomasLCTS-Lenders Compliance & Training Solutions
Kurt ThomasMortgage Guaranty Insurance Corporation (MGIC)
Aaron ThompsonLegacy Mortgage, LLC
Jack ThompsonLegacy Mortgage, LLC
Steve ThompsonPrimeLending
Steven ThompsonMortgage Guaranty Insurance Corporation (MGIC)
Christopher ThomsonNew American Funding
Joe ThorntonHFF
Alan ThorupIndiana Mortgage Bankers Association, Inc.
Patti ThurmanNew American Funding
Benjamin TiganoEmbrace Home Loans
Donna TimmermanOnQ Financial
James TimmonsUniversal American Mortgage Company
Barb TithofPrimeLending
Frank TodiscoEmbrace Home Loans
Thomas TolandWalker & Dunlop, LLC
Deb TolpaUnion Home Mortgage
Deborah TolpaUnion Home Mortgage
Kerrie TomasiewiczSims Mortgage Funding, Inc.
Michael TomaszewskiUnion Home Mortgage
Kenda TomesStinson Leonard Street, LLP
John ToracintaEmbrace Home Loans
Dominic TornambeNew American Funding
Gregory TornquistCenlar FSB
Robert TragerPrimeLending
Jeff TramelEmbrace Home Loans
Reed TrentOnQ Financial
Randa TriggsUnion Home Mortgage
Anthony TrottEmbrace Home Loans
Thomas TrottEmbrace Home Loans
Brad TrotterFirst Continental Mortgage, Ltd.
Robert TrujilloNew American Funding
Jason TsangOnQ Financial
Martha TsuchihashiMortgage Guaranty Insurance Corporation (MGIC)
Samuel TucciU.S. Best Repair Service, Inc.
Michael TuckerMortgage Bankers Association
Patrick TuffeyUnion Home Mortgage
Beverly TuthillOnQ Financial
Scott TwombleyNew American Funding
Mark UnangstGershman Mortgage
David UpbinMortgage Bankers Association
Helen UsitaloFirst Continental Mortgage, Ltd.
Andrina ValdesCornerstone Home Lending, Inc.
Michelle Van DykeFifth Third Mortgage
Robert Van RaaphorstMortgage Bankers Association
Robert VanderWaalUnion Home Mortgage
Michael VaughnWalker & Dunlop, LLC
Craig VecchiolaColonial Savings, F.A.
Al VelascoPrimeLending
Bernhard VerhoevenMortgage Guaranty Insurance Corporation
Mark VernonPrimeLending
Aida VillanuevaBerkeley Point Capital
Floyd VinsonAlliance Home Loans
Frank VirgaEmbrace Home Loans
Sandy Viscarra-JamesonCharter Mortgage Company
Angelo VitaleQuicken Loans, Inc.
Chris VolgerFirst Continental Mortgage, Ltd.
Julie Von DerauSouthern Ohio Mortgage, LTD
Carie VosMortgage Guaranty Insurance Corporation (MGIC)
Kyle VredenburgEmbrace Home Loans
Steven WackerMortgage Guaranty Insurance Corporation (MGIC)
John WadleStewart Lender Services
Randy WagnerSierra Pacific Mortgage Company, Inc.
Terry WagnerOnQ Financial
Pete WahlersMegastar Financial
William WalkerWalker & Dunlop, LLC
Stephanie WallOnQ Financial
Lacy WallaceRegions Financial Corporation / Regions Mortgage
Matthew WallachWalker & Dunlop, LLC
Kevin WalshWalker & Dunlop, LLC
Marina WalshMortgage Bankers Association
Janet WalterColonial Savings, F.A.
MORPAC 2015 YEAR-END REPORT PAGE 17
Robert WaltersQuicken Loans, Inc.
Sylvia WankelOnQ Financial
Darryl WardSynovus Mortgage Corp.
Jennifer WardPrimeLending
Cathy WarkEmbrace Home Loans
Michelle WarnerWalker & Dunlop, LLC
Jill WashayEmbrace Home Loans
Kip WastonNew American Funding
Alexander WatkinsAlliance Financial Resources, LLC
Mike WatkinsonPrime Lending
John WatryInlanta Mortgage Inc.
Betsy WatsonEmbrace Home Loans
Debbie WatsonAlliance Home Loans
Kip WatsonNew American Funding
Scott WatsonWalker & Dunlop, LLC
Debra WattsCaliber Home Loans, Inc.
Lisa WeaverISGN
Raegan WeberMortgage Bankers Association
Chad WeinbaumQuicken Loans, Inc.
Michelle WeissRadian Guaranty, Inc.
Dexter WellingtonHomeStreet Bank
Mike WellsPrimeLending
Steven WendelCBRE Capital Markets
Candice WendlingNOIC / Concord
Gregory WestWalker & Dunlop
Ronald WestNew American Funding
Derek WetzelOnQ Financial
Brian WheelinEmbrace Home Loans
Austin WhiteEmbrace Home Loans
Alice WhitedMortgage Guaranty Insurance Corporation (MGIC)
Teresa WhiteheadCitywide Home Loans / CHL Mortgage
Steven WhittakerNew American Funding
Jim WickhamUnion Home Mortgage
Patricia WidermanBB&T
Shellye WigginsFirst Continental Mortgage, Ltd.
Donald WilcoxAlliance Home Loans
Anna WilderFirst Continental Mortgage, Ltd.
Michelle WilkinsFirst Continental Mortgage, Ltd.
Boyce WilliamsHomeStreet Bank
Brandon WilliamsHoward Hanna Mortgage Services Inc.
Dawn WilliamsMortgage Bankers Association
Fowler WilliamsCrescent Mortgage Company
Kelley WilliamsMortgage Bankers Association
Lynda WilliamsNOIC / Concord
Marsha WilliamsThe Middleberg Riddle Group / MRG Document Technologies
Raymond WilliamsNew American Funding
Stuart WilliamsOnQ Financial
Vicki WilliamsAnchor Mortgage Services, Inc.
Joyce WilliamsonAlliance Home Loans
Lee WilliamsonOnQ Financial
Ryan WilliamsonAlliance Home Loans
John WilloughbyUnion Home Mortgage
Roberta WilsonBB&T
Thomas WindEverBank
Joseph WindelsSims Mortgage Funding, Inc.
Beth WiseEmbrace Home Loans
Sheri WisePrimeLending
John WisemanMortgage Guaranty Insurance Corporation (MGIC)
Alex WishFirst Heritage Mortgage, LLC
Alan WolfThe Wolf Firm, A Law Corporation
Norman WolfeWolfe Financial, Inc. dba Integrity Mortgage Group
Len WolfsonMortgage Bankers Association
Bea WolnoskiOnQ Financial
Harper WongMortgage Guaranty Insurance Corporation (MGIC)
Jason WoodSierra Pacific Mortgage Company, Inc.
Timothy WoodsMortgage Bankers Association
Mark WoolsonBB&T
Jerry WormmeesterMortgage Guaranty Insurance Corporation (MGIC)
Eric WrightAmeriFirst Financial, Inc.
Ian WrightIMW Consulting, LLC
Keith WrightUnion Home Mortgage
Joe WurtenbergerHomeowners Financial Group USA, LLC
Ralph WutscherMaurice Wutscher LLP
Kevin YamaneCatalyst Lending, Inc.
Brian YotzOnQ Financial
Taylor YotzOnQ Financial
Brian YoungMortgage Guaranty Insurance Corporation (MGIC)
Craig ZalcbergEmbrace Home Loans
Stewart ZemilApex Home Loans Inc.
Donald ZieglerCornerstone Home Lending, Inc.
Steve ZimmermanEmbrace Home Loans
David ZittingPrimary Residential Mortgage, Inc.
Kathy ZottmannMortgage Bankers Association
Susan ZunftMortgage Guaranty Insurance Corporation (MGIC)
PAGE 18 MORPAC 2015 YEAR-END REPORT
MORPAC 2015 YEAR-END REPORT PAGE 19
Mortgage Action Alliance (MAA)
As of this writing, with more than 11,000 active MAA members,
we remain on a trajectory to reach our year-end goal of 12,500.
We have sent 14 Calls to Action (CTA) to MAA members this
year on a broad array of issues. Our CTA member response rate
remains at roughly 12 percent.
MBA’s NEW Advocacy Action Center — action.mba.org
2,000 =New MAA members in 2015
11,306 = Total Membership
17,000 =
Total electronic communications sent to Capitol Hill and state capitals
250 =Capitol Hill visits with MAA members
Amplify Your Voice and Make A DifferenceThe Mortgage Action Alliance® is the premier grassroots lobbying organization representing the entire real estate finance industry. Affiliated with the Mortgage Bankers Association (MBA), MAA enables you to speak directly with your members of Congress, state legislators and federal regulators about the impact of proposed legislation or regulations on your business.
SPEAK UP NOWWith residential, commercial and multifamily issues on the Congressional and state legislative agendas, your political activism is vital. Issues affecting the industry are decided by elected officials who may or may not understand our interests and concerns. Therefore, they need to hear directly from you to explain how their actions affect you, your company and consumers.
Without your participation, we are all susceptible to regulations and legislation that would hinder our ability to provide more extensive housing choices, jobs and economic growth. You are a voter, an employer and a constituent. Your voice matters. But you need to use it.
HOW IT WORKSMAA is free (and open to all professionals who work in the real estate finance industry), it is non-partisan and it is easy to participate. When an issue relating to our industry hits a critical point (for example a vote is taking place) in Washington or your state, you will receive a “Call to Action.” To respond
to this action, you simply follow a few short steps to send a pre-drafted email stating the industry’s position to your elected officials.
When you and thousands of MAA members communicate in a unified voice, we not only educate policymakers on the industry, but also achieve our legislative and regulatory priorities.
In Summary: Participation is Free, Easy, Quick… And Makes a Difference
GET STARTEDSign up now at mba.org/maa and encourage your colleagues and staff to join as well.
All members are required to re-register annually to retain full member privileges. We will notify you to renew your membership prior to its lapse. By becoming a member, you consent to receive emails and other communications concerning the Alliance’s advocacy issues.
“ MAA is our one vehicle to create a groundswell of response when something critical is happening in Washington. It’s the only way we can put collective pressure on Congress to do the right thing for mortgage finance when it is most important.”
— David H. Stevens, President & CEO, Mortgage Bankers Association
THE LARGER THE GROUP, THE LOUDER THE VOICE.℠
MBA.ORG/MAA15010
THE LARGER THE GROUP, THE LOUDER THE VOICE.℠
MORTGAGE ACTION ALLIANCE® (MAA)
Campaign Kit
This campaign kit includes all of the resources and materials you will need
to encourage your staff, team members and industry colleagues to join
and participate in the Mortgage Action Alliance.
MBA.ORG/MAA15010
PAGE 20 MORPAC 2015 YEAR-END REPORT
FUNDRAISING METRICSAs of June 30, 2015
MORPAC hosted three individual fundraisers this year� In February, MORPAC hostedan event for Senate Banking Committee member Senator Jerry Moran (R-KS) at MBA’sCREF conference� The event raised over $23,000 for the Senator’s re-election� MORPAC raised over $25,000 for Rep� Patrick McHenry (R-NC) during MBA’s Secondary andCapital Markets conference in May� In October, MORPAC also raised over $50,000 for Senate Banking Chairman Richard Shelby (R-AL)�
RESIDENTIALOTHER
COMMERCIAL
2015 MORPAC dollars have come from all areas of the industry:
MORPAC raised
$337,125 IN NEW DOLLARS IN 2015
MORPAC raised
$1,012,881 IN HARD DOLLARS IN 2015 ALONE — $260,000 MORE THAN WE’VE EVER RAISED IN A SINGLE YEAR.
Other interesting MORPAC statistics from 2015:
$244 AVERAGE $ AMOUNT PER DONOR
1,524 UNIQUE CONTRIBUTORS TO
MORPAC IN 2015
MORPAC 2015 YEAR-END REPORT PAGE 21
LEGISLATIVE AND POLITICAL UPDATE
MBA had numerous legislative and political successes in
2015, ranging from favorable items included in Senate
Banking Committee-passed regulatory relief legislation,
to the introduction of bills that address SAFE Act-related
concerns and the FHFA’s FHLB membership rule, to the
biggest single individual year in MORPAC history. MBA
rounded out 2015 by defeating an attempt to use GSE
guaranty-fees (“g-fees”) to fund a multi-year highway
reauthorization bill and by securing several tax / appropri-
ations priorities in the year-end omnibus and tax package.
While 2015 was dominated by legislative activity, the
2016 agenda will be consumed by election-year poli-
tics. Against this backdrop, the House and Senate will
continue to focus on dialogue related to Dodd-Frank
reforms and financial sector reg relief — though enact-
ment of legislation will remain challenging in the face
of the administration’s ongoing opposition to reopening
the 2010 law. And there may will be fresh discussion of
incremental reforms to the secondary mortgage market,
while a transition to a new housing finance system will
most likely have to wait until 2017 and beyond.
Regulatory Relief LegislationSenate Banking Committee (“SBC”) Chairman Shelby’s
regulatory relief proposal, S.1484, remained stalled in
the Senate since its party-line full Banking Committee
passage in May. The legislation contains a number of
MBA priorities on issues ranging from GSE transition
steps to QM lending standards, FHFA’s FHLB member-
ship rule, TRID enforcement, Basel III and its impact
on mortgage servicing rights, and preferred SAFE Act
amendments. Given the current election year politics,
Chairman Shelby recently indicated that his bill may not
see floor time until after his March primary election, or,
more likely, a predicted post-election lame duck session
in November / December.
Omnibus Appropriations and Tax PackageIn December, Congress passed (and the President signed
into law) H.R. 2029, an omnibus Fiscal Year 2016 funding
bill, coupled with a surprisingly broad tax “extenders”
package. This so-called “taxibus” contained a number
of items impacting the industry, including several tax
priorities, various FHA provisions, and a prohibition
on the sale of shares of GSE preferred stock without
Congressional approval. The “taxibus” specifics are
outlined in more detail below.
Tax ExtendersAs noted above, the package contained several of MBA’s
tax priorities, including:
• A permanent extension of the minimum 9% Low-
Income Housing Tax Credit rate for new construction
and substantial rehabilitation. While the bill does
not establish a minimum, 4 percent credit rate for
acquisition, we will continue working with Congress
to permanently extend this important LIHTC provision.
• An extension of the deductibility of mortgage insur-
ance premiums for an additional two years, for tax
years 2015 and 2016.
• Continued tax relief for mortgage debt forgiveness
through 2016. This will prevent homeowners from
being taxed if their lender reduces their principal or
their home is subject to a short sale. The provision
also applies to qualified principal residence indebt-
edness that is discharged in 2017, if the discharge is
pursuant to a written agreement entered into in 2016.
PAGE 22 MORPAC 2015 YEAR-END REPORT
• Two key provisions specifically related to Real Estate
Investment Trusts (REITs), one which places restric-
tions on tax-free spinoffs involving REITs and a second,
which reduces the percentage limitation on assets of
a REIT which may be taxable REIT subsidiaries.
HUD AppropriationsThe year-end bill also contains several housing-related
appropriations provisions:
• For the second year in a row, Congress rejected HUD’s
unprecedented request to fund a portion of FHA’s
administrative costs through a fee on residential
lenders who use the program.
• $375 million for salaries and expenses at FHA, $130
million for FHA administrative contract expenses, and
Ginnie Mae with $23 million for Ginnie Mae salaries
and expenses.
• In response to MBA’s urging for additional resources for
FHA and Ginnie Mae, the bill contains volume-based
incentives so that FHA could receive as much as
$160 million and Ginnie Mae could receive as much
as $26 million.
• HUD’s full request of $30 billion in commitment
authority for the General and Special Risk Insurance
(GI / SRI) Fund in FY 2016. Other key funding highlights
include $950 million for the HOME program and $10.2
billion for project-based Section 8.
• The legislation also maintains the statutory prohibi-
tion on the use of Ginnie Mae securitizations in HUD’s
risk sharing programs by Housing Finance Agencies.
• The bill bars HUD from requiring or enforcing the
Physical Needs Assessment.
• Continued prohibition on federal funds being used
to facilitate eminent domain seizures of performing
mortgage loans.
• Under H.R. 2029, HUD will receive $47 million for
housing counseling. The legislation also explicitly bars
FHA from implementing the Homeowners Armed
With Knowledge (HAWK) program — HUD’s proposal
to reduce insurance premiums for homebuyers who
commit to housing counseling.
MORPAC 2015 YEAR-END REPORT PAGE 23
GSE ReformWe continue to believe that neither SBC Chairman Shelby
nor House Financial Services Committee (“HFSC”)
Chairman Jeb Hensarling (R-TX) will choose to dedicate
the significant amount of political capital (or time needed
to build a policy consensus) necessary to advance an
issue as complicated as GSE reform in an election year,
so the debate will likely remain on hold until 2017.
However, there was meaningful congressional activity
related to the GSEs in 2015. President Obama signed
legislation to cap the pay of the CEOs at Fannie Mae and
Freddie Mac at January 1, 2015 levels, and the year-end
Omnibus contained a two-year prohibition on the sale of
the Treasury’s preferred GSE shares absent explicit con-
gressional authorization. In order to continue advancing
our GSE policy principles, MBA orchestrated a well-at-
tended January 25th House / Senate briefing on Capitol
Hill designed to underscore the fact that thoughtful
GSE reforms are more important now than ever given
conservatorship and ongoing mortgage market realities.
SAFE Act AmendmentsFollowing the introduction of H.R. 2121, the SAFE
Transitional Licensing Act, in late April, we have seen
a growing number of bipartisan members (38) join the
bill as cosponsors. The legislation, originally introduced
by Reps. Steve Stivers (R-OH), Terri Sewell (D-AL), Lynn
Westmoreland (R-GA), Joyce Beatty (D-OH), Luke Messer
(R-IN), Kyrsten Sinema (D-AZ), and Ed Perlmutter (D-CO)
would mandate that states regulators allow MLOs tran-
sitional authority to continue originating mortgages for
up to 120 days should they leave a federal depository
to take a new job working for a non-bank and / or cross
state lines to do so.
Given the negotiated compromise on topic with the
Conference of State Banking Supervisors (“CSBS”), we
remain hopeful that H.R. 2121 will be marked up in the
full House Financial Services Committee early in 2016.
Language identical to H.R. 2121 was included in Title I
of Shelby’s Senate regulatory relief package (Ranking
Member Sherrod Brown’s (D-OH) substitute bill contained
substantially similar language).
CMBS Risk RetentionMBA is working with a coalition of sister trade groups
to raise concerns regarding the implementation of the
CMBS risk retention rule that was included in Title IX of
Dodd- Frank. The coalition has held a number of meetings
with key congressional staff to raise awareness about
this issue and outline industry’s concerns in an attempt
to persuade members of Congress to weigh in with key
regulators on the rule and possibly introduce legislation.
PAGE 24 MORPAC 2015 YEAR-END REPORT
It is MBA’s belief that the rule, as drafted, will increase
borrowing costs, lead to a deterioration in credit quality,
and reduce liquidity in the market. The proposed lan-
guage that the coalition has drafted would allow certain
low-risk commercial real estate mortgages to qualify as
qualified commercial real estate (QCRE) loans, a category
of loans that are exempt from the risk retention require-
ments given their historical performance. In particular,
the language would allow for Single Borrower / Singe
Credit transactions to be considered QCRE loans. We
expect legislation to be introduced in the House during
the first quarter of 2016.
FHFA Membership RuleThis past fall, a bipartisan group of lawmakers introduced
H.R. 3808, legislation to require the withdrawal and study
of the Federal Housing Finance Agency’s (FHFA) pro-
posed rule regarding Federal Home Loan Bank (FHLB)
membership. The legislation would address a contro-
versial FHFA rule, since finalized, that limits the ability
of mortgage Real Estate Investment Trusts to access
the FHLB system via captive insurers. MBA continues
to work at increasing the number of bipartisan House
cosponsors of the bill in an effort to continue to increase
momentum behind the proposal. The Senate regulatory
relief package contains similar language.
Housing-Related “Pay-fors”In December, MBA worked to successfully kill a Senate
conference committee proposal that would have partially
paid for a proposed multi-year highway reauthorization
bill via an extended increase in Fannie Mae and Freddie
Mac guarantee fees. MBA’s success was a direct result
of months of sustained advocacy by members of the
Mortgage Action Alliance, who urged Congress not to
use homeowners as a piggybank for unrelated spend-
ing. After the Senate had included the g-fee increase
in its initial version of the legislation, MBA successfully
marshalled support for overwhelming passage of a
House floor amendment to remove the g-fee “pay-for”
(estimated at $2B over five years).
MORPAC 2015 YEAR-END REPORT PAGE 25
Flood InsuranceSenate Banking Committee members Dean Heller (R-NV)
and Jon Tester (D-MT) and House Financial Services
Committee members Dennis Ross (R-FL) and Patrick
Murphy (D-FL) introduced the Flood Insurance Market
Parity and Modernization Act in July. MBA sent letters
of support for the House (H.R. 2901) and Senate bills (S.
1679) at the request of the authors.
On January 13, MBA lender member Steve Bradshaw, EVP
for New Orleans-based Standard Mortgage Corporation,
testified in support of H.R. 2901 before the HFSC’s
Subcommittee on Housing and Insurance at a hearing
regarding the private flood insurance market. The legis-
lation provides additional access to an expanded set of
flood insurance coverage options by providing incentives
to accelerate the development of a private flood insurance
market (with consumer protections overseen by state
insurance regulators). Full House committee action on
the Ross / Murphy bill is expected later this year.
High Volatility Commercial Real Estate ExposuresMBA, in conjunction with allied trades, has continued
lobbying targeted congressional offices to discuss
concerns about the Basel III treatment of high volatility
commercial real estate exposures (HVCRE). HVCRE loan
status requires a higher capital charge for acquisition,
development and construction (ADC) loans that, among
other things, have a loan-to-value ratio of greater than
80 percent and less than 15 percent equity contribution
by the borrower. MBA is concerned that tight restrictions
placed on ADC loans could result in the unwarranted
higher capital treatment for many ADC loans, which
could negatively impact bank ADC lending decisions.
MBA has also raised strong concerns with the Federal
Reserve, Comptroller of the Currency, and the Federal
Deposit Insurance Corporation and is seeking guidance
from these agencies that would provide greater flexibility
for the structuring of ADC loans to avoid HVCRE status.
This is part of a broader strategy to raise the issue directly
with Members of Congress in hopes that they will also
weigh in with regulators.
PAGE 26 MORPAC 2015 YEAR-END REPORT
MORPAC DISBURSEMENTSMORPAC made the following contributions during the period of January 1st through June 30th, 2015.
NAME CANDIDATE AMOUNT
21st Century Majority Fund Sen. Johnny H. Isakson (R) $5,000.00
A New Direction PAC Sen. Jeanne Shaheen (D) $5,000.00
A New Direction PAC Sen. Jeanne Shaheen (D) $1,500.00
Adrian Smith for Congress Rep. Adrian Michael Smith (R) $1,000.00
America Works PAC Sen. Sherrod Campbell Brown (D) $5,000.00
AMERIPAC: The Fund for a Greater America Rep. Steny Hamilton Hoyer (D) $5,000.00
Ami Bera for Congress Rep. Amerish B. Bera (D) $1,000.00
Andy Barr for Congress, Inc. Rep. Garland Hale Barr, IV (R) $5,000.00
Ann Wagner for Congress Rep. Ann Louise Wagner (R) $4,000.00
BADGERPAC Rep. Ronald James Kind (D) $2,500.00
Beatty for Congress Rep. Joyce Beatty (D) $5,000.00
Becerra for Congress Rep. Xavier Becerra (D) $6,000.00
Bennet for Colorado Sen. Michael F. Bennet (D) $10,000.00
Big Sky Opportunity PAC Sen. Steve David Daines (R) $1,000.00
Bill Flores for Congress Rep. William H. Flores (R) $2,500.00
Bill Foster for Congress Rep. Bill Foster (D) $4,500.00
Bill Shuster for Congress Rep. William F. Shuster (R) $1,000.00
Blaine for Congress Rep. W. Blaine Luetkemeyer (R) $6,000.00
Blue Dog Political Action Committee $5,000.00
Blue Hen PAC Sen. Christopher Andrew Coons (D) $5,000.00
Bluegrass Committee Sen. Mitch McConnell (R) $5,000.00
Boozman for Arkansas Sen. John Nichols Boozman (R) $2,000.00
Building Leadership and Inspiring New Enterprise PAC Rep. W. Blaine Luetkemeyer (R) $1,000.00
Building Relationships in Diverse Geographic Environments PAC (BRIDGE PAC) Rep. James E. Clyburn (D) $2,500.00
Capuano for Congress Committee Rep. Michael Everett Capuano (D) $3,500.00
Carlos Curbelo Congress Rep. Carlos Luis Curbelo (R) $1,000.00
Charles Boustany Jr. MD for Congress, Inc. Rep. Charles William Boustany, Jr. (R) $2,500.00
Citizens for Prosperity in America Today PAC Sen. Patrick Joseph Toomey (R) $5,000.00
Citizens for Waters Rep. Maxine Waters (D) $2,500.00
Clay Jr. for Congress Rep. William Lacy Clay, Jr. (D) $3,000.00
Cleaver for Congress Rep. Emanuel Cleaver, II (D) $4,500.00
Coffman for Congress 2016 Rep. Michael H. Coffman (R) $1,000.00
Committee for Hispanic Causes / Building Our Leadership Diversity PAC (CHC BOLD PAC) $2,500.00
Committee To Re-Elect Linda Sanchez Rep. Linda T. Sanchez (D) $3,000.00
Committee To Re-Elect Nydia M. Velazquez To Congress Rep. Nydia Margarita Velazquez (D) $3,000.00
Common Ground PAC Sen. Timothy Michael Kaine (D) $5,000.00
Common Sense Colorado Sen. Michael F. Bennet (D) $5,000.00
Common Values PAC Sen. John Anthony Barrasso (R) $5,000.00
Congressional Black Caucus PAC $5,000.00
MORPAC 2015 YEAR-END REPORT PAGE 27
NAME CANDIDATE AMOUNT
Connolly for Congress Rep. Gerald E. Connolly (D) $2,000.00
Country Roads PAC Sen. Joseph Manchin, III (D) $2,500.00
Crenshaw for Congress Campaign Rep. Ander M. Crenshaw (R) $4,500.00
Crowley for Congress Rep. Joseph Crowley (D) $5,000.00
Dakota Prairie PAC Sen. Heidi Heitkamp (D) $5,000.00
David Scott for Congress Rep. David Albert Scott (D) $5,000.00
Defend America PAC Sen. Richard Craig Shelby (R) $5,000.00
DelBene for Congress Rep. Suzan Kay DelBene (D) $2,500.00
Democratic Congressional Campaign Committee $15,000.00
Democratic Senatorial Campaign Committee $15,000.00
Denny Heck for Congress Rep. Dennis Heck (D) $6,000.00
Devin Nunes Campaign Committee Rep. Devin G. Nunes (R) $1,000.00
Dirigo PAC Sen. Susan Margaret Collins (R) $5,000.00
Dold for Congress Rep. Robert James Dold, Jr. (R) $2,500.00
Donald Norcross for Congress Rep. Donald W. Norcross (D) $1,000.00
Donovan for Congress Rep. Daniel M. Donovan (R) $1,000.00
Dr. Raul Ruiz for Congress Rep. Raul Ruiz (D) $2,500.00
DSCC (Building Fund) $45,000.00
Duffy for Congress Rep. Sean Patrick Duffy (R) $3,500.00
EDPAC Rep. Edwin George Perlmutter (D) $1,000.00
Emmer for Congress Rep. Thomas Earl Emmer, Jr. (R) $3,500.00
Fearless PAC Rep. Jared S. Polis (D) $1,500.00
First State PAC Sen. Thomas Richard Carper (D) $5,000.00
Follow the North Star Fund Sen. Amy Jean Klobuchar (D) $1,000.00
Forward Together PAC Sen. Mark Robert Warner (D) $5,000.00
Free State PAC Sen. Jerry W. Moran (R) $5,000.00
Freedom Fund Sen. Michael Dean Crapo (R) $5,000.00
French Hill for Arkansas Rep. J. French Hill (R) $5,500.00
Friends for Gregory Meeks Rep. Gregory Weldon Meeks (D) $2,000.00
Friends of Bill Posey Rep. William Posey (R) $1,000.00
Friends of Cheri Bustos Rep. Cheryl L. Bustos (D) $2,500.00
Friends of Dan Kildee Rep. Daniel Timothy Kildee (D) $8,000.00
Friends of Dave Joyce Rep. David Patrick Joyce (R) $2,500.00
Friends of Dave Reichert Rep. David George Reichert (R) $1,000.00
Friends of David Schweikert Rep. David Schweikert (R) $3,000.00
Friends of Dennis Ross Rep. Dennis Alan Ross (R) $5,000.00
Friends of Don Beyer Rep. Donald S. Beyer, Jr. (D) $1,000.00
Friends of Elizabeth Esty Rep. Elizabeth H. Esty (D) $2,500.00
Friends of Erik Paulsen Rep. Erik Paulsen (R) $2,500.00
Friends of Frank Guinta Rep. Frank Christopher Guinta (R) $2,000.00
Friends of Jeb Hensarling Rep. Thomas Jeb Hensarling (R) $6,000.00
Friends of Jim Clyburn Rep. James E. Clyburn (D) $6,500.00
Friends of Joe Heck Rep. Joseph John Heck, Jr. (R) $5,000.00
Friends of John Boehner John Andrew Boehner (R) $10,000.00
Friends of John Delaney Rep. John K. Delaney (D) $6,000.00
PAGE 28 MORPAC 2015 YEAR-END REPORT
NAME CANDIDATE AMOUNT
Friends of John Thune Sen. John Randolph Thune (R) $8,000.00
Friends of Kelly Ayotte Sen. Kelly Ann Ayotte (R) $3,000.00
Friends of Mia Love Rep. Mia B. Love (R) $3,500.00
Friends of Pat Toomey Sen. Patrick Joseph Toomey (R) $9,000.00
Friends of Patrick Murphy Rep. Patrick E. Murphy (D) $10,000.00
Friends of Roy Blunt Sen. Roy Dean Blunt (R) $5,000.00
Friends of Schumer Sen. Charles E. Schumer (D) $7,500.00
George Holding for Congress Inc. Rep. George E. B. Holding (R) $1,000.00
Georgians for Isakson Sen. Johnny H. Isakson (R) $10,000.00
Getting Stuff Done PAC (GSD-PAC) Rep. Kyrsten Sinema (D) $4,500.00
Grassley Committee Inc Sen. Charles E. Grassley (R) $2,500.00
Graves for Congress Rep. John Thomas Graves (R) $2,500.00
Great Lakes PAC Sen. Deborah Stabenow (D) $5,000.00
Heartland Values PAC Sen. John Randolph Thune (R) $5,000.00
Hellerhighwater PAC Sen. Dean Arthur Heller (R) $5,000.00
Himes for Congress Rep. James Andrew Himes (D) $8,000.00
Hoeven for Senate Sen. John Henry Hoeven, III (R) $2,000.00
Holding Onto Oregon’s Priorities Sen. Ron L. Wyden (D) $2,500.00
Hoosiers First PAC Sen. Joseph Simon Donnelly, Sr. (D) $5,000.00
House Conservatives Fund Rep. Roger Williams (R) $2,500.00
Hoyer for Congress Rep. Steny Hamilton Hoyer (D) $5,000.00
Hudson for Congress Rep. Richard Lane Hudson, Jr. (R) $2,000.00
Huizenga for Congress Rep. William Patrick Huizenga (R) $5,000.00
IMPACT Sen. Charles E. Schumer (D) $5,000.00
Jaime for Congress Rep. Jaime Lynn Herrera Beutler (R) $1,000.00
Jenkins for Congress Rep. Evan H. Jenkins (R) $3,000.00
Jobs and Innovation Matter PAC (JIM PAC) Rep. James Andrew Himes (D) $1,500.00
Jobs, Economy and Budget Fund (JEB FUND) Rep. Thomas Jeb Hensarling (R) $5,000.00
Jobs, Opportunities and Education PAC (JOE-PAC) Rep. Joseph Crowley (D) $2,000.00
John Carney for Congress Rep. John Charles Carney, Jr. (D) $6,500.00
Kathleen Rice for Congress Rep. Kathleen Maura Rice (D) $1,000.00
Katko for Congress Rep. John Michael Katko (R) $2,000.00
Kay Granger Campaign Fund Rep. Kay Granger (R) $2,500.00
Kevin McCarthy for Congress Rep. Kevin Owen McCarthy (R) $7,500.00
Keystone America PAC Sen. Robert P. Casey, Jr (D) $1,500.00
Keystone Leadership PAC Rep. Michael G. Fitzpatrick (R) $1,000.00
Kind for Congress Committee Rep. Ronald James Kind (D) $1,000.00
Kirk for Senate Sen. Mark Steven Kirk (R) $10,000.00
Kristi for Congress Rep. Kristi Lynn Noem (R) $2,500.00
Kuster for Congress, Inc. Rep. Ann McLane Kuster (D) $1,000.00
Kyrsten Sinema for Congress Rep. Kyrsten Sinema (D) $4,500.00
Larson for Congress Rep. John Barry Larson (D) $2,500.00
Leahy for U.S. Senator Committee Sen. Patrick Joseph Leahy (D) $10,000.00
Levin for Congress Rep. Sander M. Levin (D) $2,000.00
Liberty Project Rep. Robert Randolph Neugebauer (R) $2,500.00
MORPAC 2015 YEAR-END REPORT PAGE 29
NAME CANDIDATE AMOUNT
Lincoln PAC Sen. Mark Steven Kirk (R) $5,000.00
Lisa Murkowski for US Senate Sen. Lisa Ann Murkowski (R) $5,000.00
LOBO PAC Sen. Martin Heinrich (D) $3,000.00
Luke Messer for Congress Rep. Allan Lucas Messer (R) $3,000.00
Lynn Jenkins for Congress Rep. Lynn Michelle Jenkins (R) $1,000.00
Maintaining All Republicans in Office PAC Rep. Mario Rafael Diaz-Balart (R) $1,000.00
Make It Work Sen. Angus Stanley King, Jr. (I) $1,000.00
Maloney for Congress Rep. Carolyn B. Maloney (D) $7,500.00
Marco Rubio for US Senate Sen. Marco Antonio Rubio (R) $5,000.00
Mario Diaz-Balart for Congress Rep. Mario Rafael Diaz-Balart (R) $4,500.00
Mass PAC Rep. Michael Everett Capuano (D) $2,500.00
Matsui for Congress Rep. Doris O. Matsui (D) $1,000.00
McHenry for Congress Rep. Patrick Timothy McHenry (R) $10,000.00
McSally for Congress Rep. Martha Elizabeth McSally (R) $2,500.00
Mike Crapo for US Senate Sen. Michael Dean Crapo (R) $10,000.00
Mike Kelly for Congress Rep. G. Mike J. Kelly (R) $3,000.00
Mike Thompson for Congress Rep. Michael C. Thompson (D) $2,500.00
Missourians for Accountability and Change (MACPAC) Sen. Claire Conner McCaskill (D) $1,000.00
Moderate Democrats PAC $5,000.00
Moore for Congress Rep. Gwendolynne Sophia Moore (D) $3,500.00
Moran for Kansas Sen. Jerry W. Moran (R) $8,000.00
More Conservatives PAC (MCPAC) Rep. Patrick Timothy McHenry (R) $4,000.00
Motor City PAC Sen. Gary Charles Peters (D) $5,000.00
M-PAC Sen. Patricia Lynn Murray (D) $1,000.00
Mulvaney for Congress Rep. John Michael Mulvaney (R) $4,500.00
MURPHPAC Sen. Christopher Scott Murphy (D) $5,000.00
Nancy Pelosi for Congress Rep. Nancy Pelosi (D) $3,500.00
Narragansett Bay PAC Sen. Jack Francis Reed (D) $5,000.00
National Republican Senatorial Committee $15,000.00
Nebraska Sandhills PAC Sen. Debra Fischer (R) $1,000.00
Neugebauer Congressional Committee Rep. Robert Randolph Neugebauer (R) $4,500.00
New Democrat Coalition PAC $5,000.00
New Millennium PAC Sen. Robert Menendez (D) $5,000.00
NRCC $15,000.00
NRSC (Building Fund) $45,000.00
Off the Sidelines PAC Sen. Kirsten Elizabeth Gillibrand (D) $2,500.00
Opportunity & Renewal PAC Sen. Jeffery A. Merkley (D) $5,000.00
ORRINPAC Sen. Orrin Grant Hatch (R) $5,000.00
Paragraph Two PAC Rep. Allan Lucas Messer (R) $1,000.00
Pascrell for Congress Rep. William James Pascrell, Jr. (D) $1,000.00
Pat Meehan for Congress Rep. Patrick L. Meehan (R) $3,000.00
People for Ben Rep. Ben Ray Lujan (D) $2,000.00
People for Derek Kilmer Rep. Derek Kilmer (D) $3,500.00
People for Patty Murray Sen. Patricia Lynn Murray (D) $10,000.00
People for Pearce Rep. Stevan Edward Pearce (R) $2,000.00
PAGE 30 MORPAC 2015 YEAR-END REPORT
NAME CANDIDATE AMOUNT
Perlmutter for Congress Rep. Edwin George Perlmutter (D) $10,000.00
Pete Aguilar for Congress Rep. Peter Ray Aguilar (D) $2,500.00
Pete Sessions for Congress Rep. Peter Anderson Sessions (R) $2,500.00
Pittenger for Congress LLC Rep. Robert M. Pittenger (R) $1,000.00
Pittenger for Congress LLC Rep. Robert M. Pittenger (R) $2,500.00
Poliquin for Congress Rep. Bruce Lee Poliquin (R) $5,000.00
Portman for Senate Committee Sen. Rob J. Portman (R) $3,500.00
Preserving America’s Traditions (PATPAC) Sen. Pat Roberts (R) $2,000.00
Price for Congress Rep. Thomas E. Price, M.D. (R) $3,500.00
Quigley for Congress Rep. Michael Quigley (D) $2,000.00
R Senate PAC Sen. John Cornyn, III (R) $5,000.00
Randy Hultgren for Congress Rep. Randall Mark Hultgren (R) $4,000.00
Republican Majority Fund Sen. Thomas Bryant Cotton (R) $5,000.00
Richard Burr Committee, The Sen. Richard M. Burr (R) $2,500.00
Richard E Neal for Congress Committee Rep. Richard Edmund Neal (D) $1,000.00
Road To Freedom Political Action Committee Rep. Edward Randall Royce (R) $3,000.00
Robert Hurt for Congress Rep. Robert Hurt (R) $2,500.00
Rock City PAC Sen. Bob P. Corker, Jr. (R) $5,000.00
Rodney for Congress Rep. Rodney Lee Davis (R) $1,000.00
Roger Williams for U S Congress Committee Rep. Roger Williams (R) $4,000.00
Ron Johnson for Senate Inc Sen. Ronald H. Johnson (R) $2,500.00
Roskam for Congress Committee Rep. Peter James Roskam (R) $2,500.00
Rothfus for Congress Rep. Keith James Rothfus (R) $2,000.00
Ryan Costello for Congress Rep. Ryan A. Costello (R) $2,500.00
Ryan for Congress, Inc. Rep. Paul Davis Ryan, Jr. (R) $6,000.00
Save America PAC Sen. James E. Risch (R) $1,000.00
Scalise for Congress Rep. Stephen Joseph Scalise (R) $7,500.00
Schatz for Senate Sen. Brian Emanuel Schatz (D) $6,500.00
Scott Garrett for Congress Rep. Scott Garrett (R) $5,000.00
Sean Patrick Maloney for Congress Rep. Sean Patrick Maloney (D) $4,000.00
Searchlight Leadership Fund Sen. Harry M. Reid (D) $5,000.00
Sensible American Solutions Supporting Everyone PAC Sen. Benjamin Eric Sasse (R) $5,000.00
Shelby for U S Senate Sen. Richard Craig Shelby (R) $10,000.00
Sherman for Congress Rep. Bradley James Sherman (D) $6,000.00
Southwest Leadership Fund Sen. Tom Stewart Udall (D) $1,000.00
Stephen Lynch for Congress Rep. Stephen Francis Lynch (D) $1,000.00
Steve Fincher for Congress Rep. Stephen Lee Fincher (R) $5,000.00
Steve Israel for Congress Committee Rep. Steven Jay Israel (D) $1,000.00
Stivers for Congress Rep. Steve Stivers (R) $5,000.00
Stutzman for Congress Rep. Marlin Andrew Stutzman (R) $5,000.00
Supporting Conservatives of Today and Tomorrow (SCOTT PAC) Rep. Scott Garrett (R) $(500.00)
Synergy PAC Rep. John Barry Larson (D) $5,000.00
Taylor Griffin for Congress William Taylor Griffin (R) $2,500.00
Terri Sewell for Congress Rep. Terri Andrea Sewell (D) $6,000.00
The Eye of the Tiger Political Action Committee Rep. Stephen Joseph Scalise (R) $5,000.00
MORPAC 2015 YEAR-END REPORT PAGE 31
NAME CANDIDATE AMOUNT
The Freedom Project John Andrew Boehner (R) $5,000.00
The Peter Norbeck Leadership PAC Sen. M. Michael Rounds (R) $5,000.00
Tiberi for Congress Rep. Patrick Joseph Tiberi (R) $2,500.00
Tim Scott for Senate Sen. Timothy Eugene Scott (R) $2,500.00
Tom Reed for Congress Rep. Thomas W. Reed, II. (R) $1,000.00
Tomorrow Is Meaningful PAC-Tim PAC Sen. Timothy Eugene Scott (R) $5,000.00
Treasure State PAC Sen. Jon Tester (D) $2,500.00
Treasure State PAC Sen. Jon Tester (D) $2,500.00
Tuesday Group Political Action Committee $2,500.00
Upper Hand Fund Rep. William Patrick Huizenga (R) $5,000.00
Vargas for Congress Rep. Juan Carlos Vargas (D) $3,500.00
Vern Buchanan for Congress Rep. Vernon Gale Buchanan (R) $1,000.00
Victory in November Election PAC (VINEPAC) Rep. Michael C. Thompson (D) $1,000.00
VoteTipton.Com Rep. Scott Randall Tipton (R) $2,000.00
Walden for Congress Rep. Gregory Paul Walden (R) $5,000.00
Walters for Congress Rep. Mimi K. Walters (R) $2,000.00
Westmoreland for Congress Rep. Lynn A. Westmoreland (R) $2,500.00
Wild and Wonderful PAC Sen. Shelley Moore Capito (R) $5,000.00
Wyden for Senate Sen. Ron L. Wyden (D) $2,500.00
Yoder for Congress, Inc Rep. Kevin Wayne Yoder (R) $3,500.00
Zeldin for Congress Rep. Lee M. Zeldin (R) $1,000.00
PAGE 32 MORPAC 2015 YEAR-END REPORT
THANK YOU TO THE 2014–2015 MORPAC STEERING COMMITTEE
Jamie Korus, CMB (Chairman) Alliance Home Loans
Rick Arvielo New American Funding
Nathan Burch McLean Mortgage Corporation
Yvette Clermont Inlanta Mortgage, Inc.
Robert M� Couch Bradley Arant Boult Cummings LLP
James M� Deitch, CMB, CPA Teraverde Financial
Phil DeFronzo Norcom Mortgage
C� William Griffin Black Knight Financial Services
PJ Harrigan Radian Guaranty, Inc.
Jorge Kalb Atlas One Financial
Gene M� Lugat PrimeLending
Dave Motley Colonial National Mortgage
Robert Phelps T.D. Services
Julie Piepho, CMB, AMP Cornerstone Home Lending, Inc.
Damian Squires Sierra Pacific Mortgage Company, Inc.
Amy Swaney, CMB Citywide Home Loans
Jack Thompson Legacy Mortgage, LLC
Tony Thompson, CMB, AMP Guaranteed Rate, Inc.
James Timmons Universal American Mortgage Company
MORPAC 2015 YEAR-END REPORT PAGE 33
MBA LEGISLATIVE AND POLITICAL AFFAIRS STAFF
Bill Killmer Senior Vice President, Legislative and Political Affairs
Brad Cheney Associate Vice President, Legislative Affairs
Meghan Sullivan Associate Vice President, Legislative Affairs
Kelley Williams Associate Vice President, Legislative Affairs
Len Wolfson Associate Vice President, Legislative Affairs
Annie Gawkowski Director of Political Affairs
Lauren Kenney Political Affairs Associate
Peter Shapiro Grassroots Advocacy Assistant