29
MORPAC.ORG SAFEGUARDING THE REAL ESTATE FINANCE COMMUNITY 17468 MORPAC 2016 Year-End Report
morpac.org
SAFEGUARDING THE REAL ESTATE FINANCE COMMUNITY
17468
MORPAC 2016
Year-End Report
PAGE 2 MORPAC 2016 YEAR END REPORT
TABLE OF CONTENTS
Welcome � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 3
2016 MORPAC Company Campaigns � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 4
Contributors � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 5
Mortgage Action Alliance � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �20
Fundraising Metrics � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �21
Legislative and Political Update � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �22
MORPAC Disbursements � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �25
MORPAC Steering Committee � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �27
Legislative and Political Affairs Staff � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �28
MORPAC 2016 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, the 2015–2016 cycle has been MORPAC’s
largest cycle yet. With that in mind, I am pleased to present the 2016 MORPAC Year-End Report.
This past cycle, we raised a record breaking $2,032,000 in individual donations, outpacing our
previous 2013–2014 cycle total by over $600,000. Together we also raised over $480,000 in
the 2015–2016 cycle from first time MORPAC contributors.
We continue to increase our grassroots reach as well. Under the leadership of 2015–2016 Mortgage
Action Alliance (MAA) Chairman Fowler Williams, MBA strengthened and expanded its grassroots
advocacy network to include over 16,000 engaged industry advocates. Additionally, we are on
track to release a new, user-friendly mobile app which will make joining MAA and taking action
on behalf of our industry much easier.
This report lists all of the individuals and companies who have been part of our 2016 campaign.
In addition, you’ll find itemized information about the goals our political programs achieved,
and a comprehensive summary of the MBA’s advocacy team’s legislative and political priorities
and accomplishments.
I want to thank everyone who has supported me during my time as MORPAC Chairman and who
helped us reach this record breaking cycle total of over $2 million. I am certain that our next
MORPAC Chairman, Rick Arvielo of New American Funding, will maintain MORPAC’s momentum
and take us to even greater heights.
I appreciate and thank you for your dedication to MBA, MORPAC and our collective public policy
goals — all in an effort to help advance our industry.
Respectfully submitted,
Jamie Korus, CMB President, Alliance Home Loans2015–2016 MORPAC Chairman
PAGE 4 MORPAC 2016 YEAR END REPORT
2016 MORPAC COMPANY CAMPAIGNS
Thank you to the following companies for running campaigns in 2016.
Alliance Home Loans
AmeriFirst Financial, Inc�
Atlas One Financial
Bradley Arant Boult Cummings, LLP
Cenlar FSB
Colonial Savings
CoreLogic
Cornerstone Home Lending
Embrace Home Loans
EverBank
Evergreen Home Loans
First American
First Continental Mortgage
First Mortgage Company
HomeStreet Bank
Inlanta Mortgage
McLean Mortgage Company
Merchants Bank
MERSCORP Holdings
Mortgage Bankers Association
Mutual of Omaha Bank
New American Funding
NOIC/Concord
P/R Mortgage & Investment Corporation
Pacific Southwest Realty Services
Pulte Mortgage, LLC
SWBC Mortgage
TeraVerde Financial
Union Home Mortgage
Universal American Mortgage
Weiner Brodsky Kider
Wells Fargo Home Mortgage
DIAMOND LEVEL CONTRIBUTORSRichard AndreanoBallard Spahr, LLP
Duane AndrewsClear Capital
Patricia ArvieloNew American Funding
Rick ArvieloNew American Funding
Judith Belanger, CMBCornerstone Home Lending, Inc.
Thomas Black, AMPBlack, Mann & Graham, LLP
Albert P� BlankUnion Home Mortgage
Brian BomarCornerstone Home Lending, Inc.
Teresa Bryce BazemoreRadian Guaranty, Inc.
Tim BullockUnion Home Mortgage
Nathan Burch, CMBMcLean Mortgage Corporation
Tam BurchMcLean Mortgage Corporation
Edward J� BurkeKeyBank Mortgage
Martha BurkeKeyBank Mortgage
Michelle CanterBradley Arant Boult
Cummings, LLP
James CoffriniSierra Pacific Mortgage
Company, Inc.
Bill Cosgrove, CMBUnion Home Mortgage
Paula CosgroveUnion Home Mortgage
Elly Cummings, CMBMarketplace Home Mortgage
Henry Cunningham, CMBFirst Mortgage Company, LLC
Rose Marie DavidHomeStreet Bank
Marcia DaviesMortgage Bankers Association
Philip DeFronzoNorcom Mortgage
James Deitch, CMB, CPATeraverde Financial
William DiCapuaUnion Home Mortgage
Jayson DonaldsonNorthMarq Capital, LLC
James DuBoseColonial Savings, F.A.
Debra DunnSWBC Mortgage
Dale Dykema, CMBT.D. Service Company
William EmersonQuicken Loans, Inc.
Marlene EmersonQuicken Loans, Inc.
Jim FerriterUnion Home Mortgage
David GahmAmerifirst Financial Corporation
Cynthia GarzaUnion Home Mortgage
Christopher GeorgeCMG Financial
Teresa GeorgeCMG Financial
David GreenThe StoneHill Group, Inc.
C� William GriffinBlack Knight Financial Services
Patrick Harrigan, CMB, AMPRadian Guaranty, Inc.
JK Huey, CMB, AMPWells Fargo Home Mortgage
Mark JonesAmerifirst Financial Corporation
Parker KennedyFirst American Mortgage
Solutions
Bill KillmerMortgage Bankers Association
Jamie Korus, CMBAlliance Home Loans
Shawn KrauseQuicken Loans, Inc.
Donald LampeMorrison & Foerster, LLP
Rodrigo Lopez, CMBNorthMarq Capital, LLC
Mary LopezNorthMarq Capital, LLC
Robert LotsteinLotsteinLegal, PLLC
William LowmanAmerican Pacific Mortgage
Corporation
Frank MartellCoreLogic
Ron McCord, CMBFirst Mortgage Company, LLC
J� David Motley, CMBColonial Savings, F.A.
Linda MotleyColonial Savings, F.A.
Anand NallathambiCoreLogic
Peter NordenHomeBridge Financial
Services, Inc.
Kurt NoyceEmbrace Home Loans
Nathan PaffUnion Home Mortgage
Cody Pearce, CMBCascade Financial
Eduardo Perez, CMBEquity Loans, LLC
Kurt PfotenhauerFirst American Title
Insurance Company
Julie Piepho, CMB, AMPCornerstone Home Lending, Inc.
Kelly PowersAmeriFirst Financial, Inc.
Kale SalmansPrimeLending
Todd SalmansPrimeLending
Bradley ShusterNational Mortgage
Insurance Corp.
Brian SmithUnion Home Mortgage
John SocknatBallard Spahr, LLP
Ross SteckelbergAlliance Home Loans
David Stevens, CMBMortgage Bankers Association
Mary StevensMortgage Bankers Association
Susan StevensonUnion Home Mortgage
Scott Van StewartSWBC Mortgage
Susan StewartSWBC Mortgage
Debra Still, CMBPulte Mortgage, LLC
Brian Stoffers, CMBCBRE Capital Markets
Jack ThompsonLegacy Mortgage, LLC
Joe ThorntonHFF
James TimmonsUniversal American
Mortgage Company
Gregory TornquistCenlar FSB
Timur TunadorAtlantic Coast Mortgage, LLC
Lisa Weaver, CMBIBM
Teresa WhiteheadCitywide Home Loans/
CHL Mortgage
Marsha WilliamsMortgage Resources Group, LLC
Fowler Williams, CMB, AMPCrescent Mortgage Company
Thomas WindU.S. Bank Home Mortgage
Alex WishFirst Heritage Mortgage, LLC
David Zitting, CMBPrimary Residential
Mortgage, Inc.
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 5
PLATINUM LEVEL CONTRIBUTORSDirk AdamsGuaranteed Home Mortgage
Company, Inc.
Tony AdkinsAlliance Home Loans
Tracy AdkinsAlliance Home Loans
Eric AramianAlliance Home Loans
Piero AvilesAlliance Home Loans
Brian BarrettUnion Home Mortgage
Bill BeckmannMERSCORP Holdings, Inc.
Richard BennionHomeStreet Bank
Susan BooseUnion Home Mortgage
Jeremy BowlingUnion Home Mortgage
Jeff BraderNOIC/Concord
Scott Brader, CMBNOIC/Concord
William BrandtAlliance Home Loans
Scott BristolPrimeLending
Joseph BurnettUnion Home Mortgage
Donald BurtonEvergreen Home Loans
Maylin CasanuevaTeraverde Financial
Marianne CollinsOhio Mortgage Bankers
Association, Inc.
Patrick ConnorOld Republic National Title
Insurance Company
Tim CranstonNew American Funding
Thomas DennardGrandbridge Real Estate
Capital LLC
Juan FimbresAlliance Home Loans
Christopher GarzaNew American Funding
Lawrence GavettUnion Home Mortgage
Rex GraszUnion Home Mortgage
Brent Green, CMBLake Michigan Credit Union
Hamid HamrahNew American Funding
Stacey Harding, CMLCherry Creek Mortgage Co., Inc.
Alexander HendersonTeraverde Financial
Milton KaravitesNew American Funding
Mitchel Kider, EsqWeiner Brodsky Kider PC
Jane KingPlatinum Home Mortgage
Corporation
John KonykWeiner Brodsky Kider PC
Peter LansingUniversal Lending Corporation
George LivermoreFirst American Mortgage
Solutions
Philip MahoneyAmerican Security
Mortgage Corp.
Ken MarkisonMortgage Bankers Association
Kyle McCordFirst Mortgage Company, LLC
Bennett McCord, AMPFirst Mortgage Company, LLC
Mary Ann McGarryGuild Mortgage Company
John MechemMortgage Bankers Association
Glen MessinaPHH Mortgage
James MilanoWeiner Brodsky Kider PC
Drew MildrenFirst Mortgage Company, LLC
Pete MillsMortgage Bankers Association
John MooreHighland Commercial
Mortgage, LLC
Shekar Narasimhan, CMBBeekman Advisors, Inc.
Mary O’DonnellWestcor Land Title
Insurance Company
Anita Padilla-FitzgeraldMegaStar Financial Corp
Patrick PeavleyMcLean Mortgage Corporation
Daniel PerezNew American Funding
Michael Petrie, CMBP/R Mortgage & Investment
Corporation
Kevin Pezzani, CMBUnion Home Mortgage
Catherine PharisWells Fargo Bank, N.A.
Daniel Phelan, CMBPacific Southwest Realty Services
A�W� PickelLeaderOne Financial Corporation
Richard PilgerUnion Home Mortgage
Stuart PrattCoreLogic
Jan PresloNew American Funding
Dennis ReedUnion Home Mortgage
John RichterAlliance Home Loans
Andrew RippertArch U.S. MI Services Inc.
Joseph RogersWells Fargo Home Mortgage
Jeffrey SchmidMutual of Omaha Bank
Terry Schmidt, CMBGuild Mortgage Company
Patrick SinksMortgage Guaranty Insurance
Corporation (MGIC)
Robert Stout, CRIQ10 Capital, LLC
Craig StrentApex Home Loans Inc.
Amy Swaney, CMBCitywide Home Loans
Stergios TheologidesCoreLogic
Candice WendlingNOIC/Concord
Eric WrightAmeriFirst Financial, Inc.
GOLD LEVEL CONTRIBUTORSTerry Aikin, CMB, AMPSynergy Appraisal Services
Daniel Aminoff, CMB, AMPUnion Home Mortgage
Brigitte AtayaNew American Funding
David BattanyGuild Mortgage Company
Shawna BeckerUnion Home Mortgage
Melissa BellMcLean Mortgage Corporation
Michael Berman, CMBMichael Berman Consulting, LLC
Teresa BetzMortgage Bankers Association
Brian BinashFirst Continental Mortgage, Ltd.
Karen BlakesleePrimeLending
Anthony BlodgettNew American Funding
Jeffrey BodeMid America Mortgage, Inc.
Heather BomarCornerstone Mortgage Company
James BoppPlatinum Home Mortgage
Corporation
Byron BostonDynex Capital, Inc.
Larry BrewsterUnion Home Mortgage
Edgar Bright, CMB, AMPStandard Mortgage Corporation
Tol BroomeBB&T
Cameron BrownAlliance Home Loans
Don BrownOptimal Blue, LLC
Christy BunceNew American Funding
Kenneth BurnettUnion Home Mortgage
Dawn BuxtonAlliance Home Loans
PAGE 6 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
Timothy CahillSouth Pacific Financial
Corporation
Keith CanterFirst Community Mortgage, Inc.
Richard Cardinali Union Home Mortgage
William CaseAmerican Mortgage
Service Company
Brad CheneyMortgage Bankers Association
Chad ChurchNew American Funding
Linda ClampittCU Members Mortgage
Yvette ClermontInlanta Mortgage, Inc.
Donna ClineAlliance Home Loans
Brian ColemanUnion Home Mortgage
Terry ConnealyMutual of Omaha Mortgage, LLC
Pam CooperCitywide Home Loans/
CHL Mortgage
Robert Couch, CMBBradley Arant Boult
Cummings, LLP
Clifton CrabtreeFirst Continental Mortgage, Ltd.
Ron CulverUmpqua Bank
James Danis, CMB, AMPResidential Mortgage Corp.
Nicholas DelTortoInlanta Mortgage, Inc.
Peter DeRooyUnion Home Mortgage
Leslie DeVera-DuncanPulte Mortgage, LLC
Brenda DintinoNew American Funding
George Dover, CMBCascade Financial
Samuel EllsworthNew American Funding
Scott FennerAmeriFirst Financial, Inc.
Tari Flannery, CMBM&T Realty Capital Corporation
Mark FlemingFirst American Title
Insurance Company
Stephen FogdallSchnader Harrison Segal
& Lewis LLP
Michael Fontaine, CMBPlaza Home Mortgage
Craig FranczakUnion Home Mortgage
Michael FratantoniMortgage Bankers Association
Christopher FratelliUnion Home Mortgage
Greg FrostFrost Mortgage Banking Group
Cola Jea Pauline GalvinUnion Home Mortgage
Rob GillonNew American Funding
Dennis GilmoreFirst American Mortgage
Solutions
Justin GrableNew American Funding
Scott HamlingCherry Creek Mortgage Co., Inc.
Brian Handal, CMB, AMPWells Fargo Home Mortgage
Socrates HattoxAlliance Home Loans
Robert HelmanUnion Home Mortgage
Brad Hollingsworth, Sr�Corporate Management
Advisors, Inc.
Wesley HorbatuckNorcom Mortgage
John H�P� Hudson, CRMSMortgage Financial Services, LLC
Gary IvesPulte Mortgage, LLC
Richard Jones, EsqDechert LLP
Daniel KalbAtlas One Financial
Jorge KalbAtlas One Financial
Helen KanovskyMortgage Bankers Association
Michael KelleherEasy Mortgage Apps, LLC
Mishel KeshishianNew American Funding
Sam KimNew American Funding
Thomas KimMortgage Bankers Association
Keith KleinPrimeLending
Ned KneadlerCNN Mortgage
Alden KnowltonMortgage Bankers Association
John KnowltonInlanta Mortgage, Inc.
Aaron KoernigAlliance Home Loans
William KooperMortgage Bankers Association
David KuhnUnion Home Mortgage
Tracey KuipersUnion Home Mortgage
Adam LairdCornerstone Home Lending, Inc.
Marc LairdCornerstone Home Lending, Inc.
Stewart Larsen, CMBBank of the West
Dalia LemusNew American Funding
Laura LeonhardInlanta Mortgage, Inc.
Todd LilloUnion Home Mortgage
Tammy LindsayUnion Home Mortgage
Steven LintonEagle Home Mortgage, LLC
Tony LoveForest City Finance Corporation
Regina Lowrie, CMBRML Advisors.com
Gene LugatPrimeLending
Anthony LuzziSims Mortgage Funding, Inc.
Robert MacIntoshAlliance Home Loans
James MacLeodCoastalStates Bank
Robert Maddox, CMB, AMPBradley Arant Boult
Cummings, LLP
Michael MalloyQuicken Loans, Inc.
Don Mann, AMPMann Financial, Inc.
David MartinCoreLogic
Todd MatthewsUnion Home Mortgage
Steven MilnerUS Mortgage Corporation
Joshua MoffittSilverton Mortgage Specialists
James MountainARMOUR Residential REIT, Inc.
Jeffrey MoyerFirst American Mortgage
Solutions
James MulvihillPacific Southwest Realty Services
Josh NavarroUnion Home Mortgage
Christine ObermayerNew American Funding
Stephen O’ConnorMortgage Bankers Association
Jose OrtegaAtlas One Financial
Bill OsborneNations Lending Corp
Natalie OverturfHomeStreet Bank
Eduardo Padilla, CMBNorthMarq Capital, LLC
Robert ParkUniversal American
Mortgage Company
Kevin PearsonCalAtlantic Mortgage
Andrew PerlmanFirst Continental Mortgage, Ltd.
John PetersonNew American Funding
Bob Pickham, AMPSouth Pacific Financial
Corporation
Larry PlottMayer Brown LLP
Randall PresentDHI Mortgage Company
Eric PrestonAlliance Home Loans
Scott PschirerUnion Home Mortgage
John RacicotUnion Home Mortgage
Pamela RaeberKings Mortgage Services, Inc.
Marc RegoPulte Mortgage, LLC
Linda ReppUnion Home Mortgage
Kenneth Richey, AMPRichey, May & Co., LLP
Edward RobinsonFifth Third Mortgage
Mordecai RosenbergGreystone Servicing
Corporation, Inc.
Blain RosenberryUnion Home Mortgage
Jill RossUnion Home Mortgage
William RossNorthMarq Capital, LLC
Steve RunnelsUnion Home Mortgage
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 7
GOLD LEVEL CONTRIBUTORS (CONTINUED)
Barry SandoCoreLogic
Charles Sewright, CMAQuest Advisors, Inc.
CJ SimpsonUnion Home Mortgage
Connie SmithUnion Home Mortgage
Jeremy SopkoNations Lending Corp
Erin StaffordDBRS, Inc.
Michael SteinMcLean Mortgage Corporation
Gerald StewartUnion Home Mortgage
Marsha StoneUnion Home Mortgage
Meghan SullivanMortgage Bankers Association
Michael SullivanPulte Mortgage, LLC
John SwordsFirst Continental Mortgage, Ltd.
Janice SzurUnion Home Mortgage
Thomas Tallent, CMB, AMPCendera Bank, N.A.
Herbert Tasker, CMBMason-McDuffie Mortgage
Corporation
Christopher ThomsonNew American Funding
Patrick TuffeyUnion Home Mortgage
Nick VagnettiUnion Home Mortgage
Patrick WaldenEnvoy Mortgage
Marina WalshMortgage Bankers Association
Alexander WatkinsAlliance Home Loans
Kelley WilliamsMortgage Bankers Association
Dawn Williams, AMPMortgage Bankers Association
Ryan WilliamsonAlliance Home Loans
David WillmarthPulte Mortgage, LLC
Roger WrightUnion Home Mortgage
CONTRIBUTORSMatthew AbbinkCU Members Mortgage
Dana Abernathy, CMB, AMPNational Mortgage
Insurance Corp.
David AbrahamsonEquity Loans, LLC
Anne AdamsEmbrace Home Loans
Chris AdamsEmbrace Home Loans
Katherine AdamsColonial Savings F. A.
Peter AdamsCenlar FSB
Rhonda AddisonFirst American Mortgage
Solutions
Scott AffreNew American Funding
Ali AhmadMortgage Bankers Association
Deborah AianaNew American Funding
Stephan AkinStarkey Mortgage
Donald AlbertNew American Funding
Bruce AlexanderWeiner Brodsky Sidman
Nider, P.C.
Jimmy AlexanderSWBC Mortgage
Ray AlexanderEmbrace Home Loans
Shawna AlexanderNew American Funding
Christopher AllenNew American Funding
Margaret AllenAGM Financial Services, Inc.
Wendell AllenBradley Arant Boult
Cummings, LLP
Tim Allen, CMBaboutMYmortgage.com
Matt AllsoppNew American Funding
Sarah AlmeidaEmbrace Home Loans
Lisa AmatoNew American Funding
Margaret AmbrusterEmbrace Home Loans
Jill AmonicaNew American Funding
Wendy AndersonEmbrace Home Loans
Thomas AndertonNew American Funding
Stephanie AndreaEmbrace Home Loans
Daniel AndrewsNew American Funding
Jason AndrzejczykEmbrace Home Loans
Kristin AnkenyNew American Funding
Cindy AnnisCornerstone Home Lending, Inc.
Elizabeth AnstettMerchants Mortgage
Jennifer AnthonyEmbrace Home Loans
Vincent ApostolicoMcLean Mortgage Corporation
Elizabeth ArceneauxFirst Continental Mortgage, Ltd.
Bret ArnoldEmbrace Home Loans
Kelly ArriazaNew American Funding
Julio ArtigaMcLean Mortgage Corporation
Graham AshleyColonial Savings, F.A.
Andrew AshmoreColonial Savings, F. A.
Gerald AuclairEmbrace Home Loans
Jeffrey AurandUnion Home Mortgage
Kathy AustinMcLean Mortgage Corporation
Jamie AwtryColonial Savings, F.A.
Arif AzharNew American Funding
Michael Azzarello, CMB, AMPCaliber Home Loans, Inc.
Cindy BaackNew American Funding
Stephen BaackNew American Funding
Alex BabiniecNew American Funding
Robert BachmanNew American Funding
Jeanne BaderCenlar FSB
Steven BadovinacNew American Funding
Mark BaileyMerchants Mortgage
Glenda BainColonial Savings, F.A.
Matthew BakerHomeStreet Bank
Brandon BaldygaEmbrace Home Loans
Darlene BallardEmbrace Home Loans
Ramino BanderasEmbrace Home Loans
Selena BanksEmbrace Home Loans
Susan BanvilleEmbrace Home Loans
Robert BarberEmbrace Home Loans
M� BardsleyEmbrace Home Loans
John BargerP/R Mortgage & Investment
Corporation
Chris BarkerMcLean Mortgage Corporation
John Barkley, CRMPCentier Bank
Andrew BarnesFirst Continental Mortgage, Ltd.
Donna BarnhillColonial Savings, F.A.
Susan BarnhillCornerstone Home Lending, Inc.
Kathleen BarrettMcLean Mortgage Corporation
Robert BarryNOIC/Concord
Kathleen BattadColonial Savings, F.A.
Treg BauchertMerchants Bank
Jon BaymillerNew York Community Bank
Joseph BeacherEmbrace Home Loans
PAGE 8 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
GOLD LEVEL CONTRIBUTORS (CONTINUED)
Alexandra BeaulieuEmbrace Home Loans
Michael BechardEmbrace Home Loans
Melanie BeckettMerchants Bank
Jim BedsoleBankSouth Mortgage
West Beibers, CMBThe Commonwealth Group
Tony BejarFirst Continental Mortgage, Ltd.
David BekaertAlliance Home Loans
Shephard BellAlliance Home Loans
Maida Bell, CMBCenlar FSB
Shari Bell-BealsNew American Funding
Craig BelmondoMcLean Mortgage Corporation
Richard BelserMerchants Bank
Sean BemisNew American Funding
Lynda BenedictFirst Mortgage Company, LLC
Michael BennettNew American Funding
Anna BenzNew American Funding
Dennis BernardBernard Financial Group
Brenda BestColonial Savings, F.A.
Anton BestebreurtjeMcLean Mortgage Corporation
John BickfordColonial Savings, F.A.
Kathleen BielAlliance Home Loans
James BlackledgeHonigman Miller Schwartz
& Cohn, LLP
Kimberlee BlairUnion Home Mortgage
Diane Blais-CapeEmbrace Home Loans
Kenneth Block, CMBNew American Funding
Sarkis BoghossianEmbrace Home Loans
Tony BolanosNew American Funding
John Bollman, CMBCommonwealth Bank & Trust
Derek BollsCornerstone Home Lending, Inc.
Jennifer BonesteelMerchants Mortgage
Anthony BoothEmbrace Home Loans
Chuck BostianP/R Mortgage & Investment
Corporation
Carol BotelhoEmbrace Home Loans
Allen BothwellNew American Funding
Julie BouchezMerchants Bank
Vickie BourassaColonial Savings, F.A.
Craig BowdenCU Members Mortgage
Trina BowdenColonial Savings, F.A.
Noah BraderNOIC/Concord
Jamie BradleeColonial Savings, F.A.
Jan BradshawWestern Capital Realty Advisors
Mark BragawMcLean Mortgage Corporation
Glen BralleyMcLean Mortgage Corporation
Nancy BrannanColonial Savings, F.A.
Kathy BrenemanFirst Mortgage Company
Matt BrentEmbrace Home Loans
Robert BriggsNew American Funding
Tom BriggsNew American Funding
Stephen BrinkFirst Southern Mortgage
Corporation
Kathryn BrinsonMcLean Mortgage Corporation
Marna BrisleyMerchants Bank
Lisa BrittonNew American Funding
James BrodskyWeiner Brodsky Kider PC
Robin BrodskyCenlar FSB
Robert Broeksmit, CMBTreliant Risk Advisors, LLC
John BronsonEmbrace Home Loans
Lucy BrooksNew American Funding
Brandon BrownNew American Funding
Bruce BrownPrimeLending
Keisha BrownEmbrace Home Loans
Ronald BrownNew American Funding
Shannon BrownMcLean Mortgage Corporation
Susan Brown, CMB, AMPUmpqua Bank
Sabine BrowningColonial Savings, F.A.
Cheryl BruleEmbrace Home Loans
Kathryn BruneInlanta Mortgage, Inc.
Todd BrunnerMembers Mortgage Services LLC
Nathan BruserCenlar FSB
Bill BuchananMerchants Bank
Richard BudziszerEmbrace Home Loans
Matt BukowskiFirst Continental Mortgage, Ltd.
Kimberly BuntsMcLean Mortgage Corporation
Marcella BurchettEmbrace Home Loans
Mikhail BurdeenHomeStreet Bank
Shari BurgoInlanta Mortgage, Inc.
Teri BurksNew American Funding
Jennifer Burlison, CMBFederal Home Loan
Bank of Chicago
Jeremy BurnettAlliance Home Loans
Barrett BurnsVantageScore Solutions, LLC
John BurnsEmbrace Home Loans
Shirley BushColonial Savings, F.A.
DiAnne ButlerMerchants Mortgage
Matthew BuxtonEmbrace Home Loans
Andrew ByrneColonial Savings, F.A.
Laura CadahiaColonial Savings, F.A.
Albert CahillEmbrace Home Loans
Maria CaldasEmbrace Home Loans
Kerry CaldwellMotivity Solutions, Inc.
WH Caldwell, CMB, AMPEquifax
Todd CallMcLean Mortgage Corporation
Tamara CalvertAlliance Home Loans
Stacey CameronEmbrace Home Loans
Christina CampbellEmbrace Home Loans
Sarah CamperEmbrace Home Loans
Emil CancholaNew American Funding
Maria CannizzaroFirst Mortgage Company, LLC
Colleen CanovasLender Service Provider, LLC
Lynn CanterburyEmbrace Home Loans
Michele CantrellNew American Funding
Larry CappellettiAlliance Home Loans
Candice CarlonNew American Funding
Jeff CarmichaelColonial Savings, F.A.
Margaret CarmonyMerchants Mortgage
Cliff CarnesWalker & Dunlop, LLC
Jennifer CaroNew American Funding
Gail CarrickInlanta Mortgage, Inc.
Daniel CarrilloNew American Funding
Shawn CaryEmbrace Home Loans
Angelica CasasMcLean Mortgage Corporation
Diane Casey-LandryCenlar FSB
Diane CastaldiEmbrace Home Loans
Sandra CastellanosNew American Funding
Joanne CavedineNOIC/Concord
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 9
CONTRIBUTORS (CONTINUED)
Rebecca CawrseUnion Home Mortgage
Dee CayoInlanta Mortgage, Inc.
Annemarie CazzarroEmbrace Home Loans
Louis CentrellaEmbrace Home Loans
Patricia ChaffinNew American Funding
Darren ChambleeMcLean Mortgage Corporation
Christine ChandlerM&T Realty Capital Corporation
Jennifer ChandlerNew American Funding
Robert ChaneyFirstBank
Joe ChapmanColonial Savings, F.A.
Teresa ChapmanEmbrace Home Loans
Penelope CharlsonInlanta Mortgage, Inc.
Jack ChaseEmbrace Home Loans
Susie CheathamColonial Savings, F.A.
Justin CheathemNew American Funding
Yan ChenEmbrace Home Loans
Lori ChennaultColonial Savings, F.A.
Joey ChimentiNew American Funding
Michael ChinnNew American Funding
Julie ChipmanEmbrace Home Loans
Paul ChmielinskiEverBank
Jenny Cho-WilliamsNew American Funding
Mac ChurchMcLean Mortgage Corporation
Peter CimagliaEmbrace Home Loans
Kenneth ClarenceV.P. Clarence Company
Jeff ClarkNew American Funding
Pipi ClarkHomeStreet Bank
Robert ClarkFranzen and Salzano, PC/
ComplyShare, LLC
Gary Clark, CMBSierra Pacific Mortgage
Company, Inc.
Amy ClarkeNew American Funding
Michael ClaryNew American Funding
Sandra ClaymoreFirst Mortgage Company, LLC
Peggy ClinganP/R Mortgage & Investment
Corporation
Terri CluphfHomeStreet Bank
James ClymerNew American Funding
Kimberly CoarMerchants Bank
Ryan CodayAlliance Home Loans
Franklin CodelWells Fargo Home Mortgage
Donna CoffeeEmbrace Home Loans
Sandra CoffmanCornerstone Home Lending, Inc.
Michelle CohenUnion Home Mortgage Corp
Vaneesa CohenCU Members Mortgage
Daniel ColemanNew American funding
James CollinsFirst Southern Mortgage
Corporation
Julia ColsonMerchants Mortgage
Mitchell ComiNew American Funding
Vicki CompherEmbrace Home Loans
Priseyla ConantEmbrace Home Loans
Brian ConatyPrimeLending
David ConditEmbrace Home Loans
Steve ConeColonial Savings, F.A.
Kevin ConlonMason-McDuffie Mortgage
Corporation
Jean ConroyEmbrace Home Loans
Eric ContrerasColonial Savings, F.A.
Michael ConwayCenlar FSB
Edward CookNew American Funding
Dollitta CookeFirst Continental Mortgage, Ltd.
Brent CooperAmerican Southwest Mortgage
Daniel Cooper, CMBCornerstone Home Lending, Inc.
John CopelandColonial Savings, F.A.
Dina CoraciFirst Mortgage Company
Jeffrey CordeiroEmbrace Home Loans
Eddie CorreaNew American Funding
Christopher CorreiaEmbrace Home Loans
Marc CorvinoEmbrace Home Loans
Pamela CostaEmbrace Home Loans
Keith CostelloEmbrace Home Loans
Dave CotnerNew American Funding Inc
Russell CoxNew American Funding
Carolyn CraggEverBank
Barbara CraigMcLean Mortgage Corporation
Larry CrispSecurity National
Mortgage Company
Brian CroninNorthMarq Capital, LLC
Douglas CropseyUniversal American
Mortgage Company
James CrossNew American Funding
Ronda CrowderNew American Funding
Tonya CroweEmbrace Home Loans
Lisa CrumEmbrace Home Loans
Melissa CruzCU Members Mortgage
Nisha CuellarP/R Mortgage & Investment
Corporation
Catherine CunninghamEmbrace Home Loans
Christine CurrieP/R Mortgage & Investment
Corporation
Wayne CurtisCenlar FSB
Gus DahlgrenUnion Home Mortgage
Hoa DangColonial Savings, F.A.
Adam D’AngeloMerchants Bank
Dominic DangoraCornerstone Home Lending, Inc.
Lisa DanielsNew American Funding
Stephen DanielsCornerstone Home Lending, Inc.
Phil DaubenmireThe Merchants Bank and Trust Co
Michael DavidsonEmbrace Home Loans
Wayne DavidsonEmbrace Home Loans
Ramsey DaviesEmbrace Home Loans
Brent DavisColonial Savings, F.A.
Heather DavisMerchants Bank
Michael DavisPacific Southwest Realty Services
Sara DavisEmbrace Home Loans
Scott DavisMcLean Mortgage Corporation
Stephanie DavisColonial Savings, F.A.
William DavisMerchants Bank
Javier De OrtaAlliance Home Loans
Dennis DeGraveInlanta Mortgage, Inc.
Joshua DelconteEmbrace Home Loans
Carli DelsolioEmbrace Home Loans
Nicholas DeLucaEmbrace Home Loans
Maribell DemeterAlliance Home Loans
Ben Dempsey, CMB, CPAColonial Savings, F.A.
Brandon DennisNew American Funding
Cathy DentonMerchants Bank
James DentonNew American Funding
Shirley DeRegoEmbrace Home Loans
PAGE 10 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
Gina DesantisEmbrace Home Loans
Jodi DeserranoFirst Continental Mortgage, Ltd.
April DeshanoEmbrace Home Loans
Douglas DesmondEmbrace Home Loans
David DesorcyEmbrace Home Loans
Steve DesorcyEmbrace Home Loans
Mildred DetrezEmbrace Home Loans
Andrew DeutschleNOIC/Concord
Debra Dever, CMB, AMPColonial Savings, F.A.
Ethan DexterUnion Home Mortgage
Eddie DietrickP/R Mortgage & Investment
Corporation
Cynthia DietzInlanta Mortgage, Inc.
Michael DillonUniversal American
Mortgage Company
Nicole DillonCherry Creek Mortgage Co., Inc.
Julie D’ItaliaEmbrace Home Loans
Denise DobierFirst Mortgage Company
Marangal Domingo, CMBFirst Tech Federal Credit
Union - Residential
Frank DonnellyEverBank
Colby DoppNew American Funding
Marianne DorobaCenlar FSB
Eric DouglasNew American Funding
Diane DownsUnion Home Mortgage
Melissa DracopoulosNew American Funding
Nancy DragooColonial Savings, F.A.
Patricia DrautFirst Continental Mortgage, Ltd.
Brent DuhaimeLeaderOne Financial Corporation
Allen DumlaoCenlar FSB
Cameron DuncanEmbrace Home Loans
Kip DunkelbergerVenture Mortgage Corporation
Michael DunlapMerchants Bank
Shawn DunningEmbrace Home Loans
Crystal DupontEmbrace Home Loans
Robin DupuyUnion Home Mortgage
Jeremy DuranNew American Funding
Julie DurigEmbrace Home Loans
Michael DuryP/R Mortgage & Investment
Corporation
Al DussingerEmbrace Home Loans
Kimberly DybvadPrimeLending
Julie DychkewichMortgage Bankers Association
Michael EasterlyEmbrace Home Loans
Teresa EasthamColonial Savings, F.A.
Mimi EatonUnited Guaranty Corporation
Ron EatonNew American Funding
Erich EdwardsNew American Funding
Linda EdwardsNew American Fundnig
Malinda EdwardsColonial Savings, F.A.
Robert Ehrman, CMBColonial Savings, F.A.
Michelle EischensUnion Home Mortgage
Kevin EllisFirst Continental Mortgage
Stephanie EllisColonial Savings, F.A.
Erica ElshantEmbrace Home Loans
Brian EndresMcLean Mortgage Corporation
Mary EngstromMerchants Bank
Linda EnnisMerchants Bank
Trevor EschrichNew American Funding
Laura EscobarUniversal American
Mortgage Company
Alberto EstradaAlliance Home Loans
Eli FairfieldNew American Funding
Greg FallonEmbrace Home Loans
Erfun FardNew American Funding
Michael FariaEmbrace Home Loans
Nadia FarkasNew American Funding
Eric FarrFirst Continental Mortgage, Ltd.
John Farrell, AMPColonial Savings, F.A.
Karen FavaEmbrace Home Loans
Caroline FedeleEmbrace Home Loans
Matthew FensterEmbrace Home Loans
Wayne FergusonEmbrace Home Loans
Remigio FerraraMcLean Mortgage Corporation
Susan FerrisEmbrace Home Loans
Dorrine FindleyColonial Savings, F.A.
Josh FinnMcLean Mortgage Corporation
Robert FisherMcLean Mortgage Corporation
John FlaaColonial Savings, F.A.
Jolean FleckAlliance Home Loans
Harold FletcherCenlar FSB
Savannah FletcherEmbrace Home Loans
George FleuryMcLean Mortgage Corporation
Lisa Flores-EstrellaNew American Funding
Jessica ForbesNOIC/Concord
Erin Forbes, CMBNew American Funding
Sharla ForeColonial Savings, F.A.
Lisa ForrestColonial Savings, F.A.
Tina ForrestMcLean Mortgage Corporation
Dana FortinEmbrace Home Loans
Gabriel FortmannEmbrace Home Loans
Melissa FosterColonial Savings, F.A.
Frederick FowlerEmbrace Home Loans
Rachel FowlerGuild Mortgage Company
Patricia FoxNew American Funding
Jeremy FraseNOIC/Concord
Lisa FrazierColonial Savings, F.A.
Misti FrazierAlliance Home Loans
Amanda FreemanColonial Savings F. A.
Chad FreemanMcLean Mortgage Corporation
Willie French, Jr�Cornerstone Home Lending, Inc.
Carol FrieszUnion Home Mortgage
Sean FrittsMcLean Mortgage Corporation
Christopher FrostPrimary Residential
Mortgage, Inc.
Frank FuentesNew American Funding
Dorothy FullerEmbrace Home Loans
Rian Furey, CMB, AMPLoanDepot.com, LLC
Lisa GabbertMerchants Mortgage
Jeff GaccioneEmbrace Home Loans
Lindsay GaddisInlanta Mortgage, Inc.
Peter GagnotAlliance Home Loans
Adam GalbraithPrimeLending
Craig GallegosAlliance Home Loans
Matthew GalliganCIT
Cheryl GalvezEmbrace Home Loans
Gabriel GarciaNew American Funding
Mary GarciaEmbrace Home Loans
Michelle GarciaEmbrace Home Loans
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 11
CONTRIBUTORS (CONTINUED)
Retta Gardner, CMB, AMPGuaranty Trust Company
Benjamin GarrettAlliance Home Loans
Stephanie GarzaColonial Savings, F.A.
Carol GassenMerchants Bank
Tiffany GastonNew American Funding Inc
Sandra GauschRegency Mortgage Corp
Annie GawkowskiMortgage Bankers Association
Nancy GebhartEmbrace Home Loans
Jessica GemmellEmbrace Home Loans
Deborah GeorgeColonial Savings, F.A.
Scott Gillen, CMB, AMPStewart Lender Services
Alison GillespieIdaho First Bank
Bernice GillespieMcLean Mortgage Corporation
Meredith GillespieCenlar FSB
Kari GirschNew American Funding
David Givens Jr�Merchants Mortgage
Lisa GladdingEmbrace Home Loans
Karen GladstoneEssent Guaranty, Inc.
Jeff GlickNew American Funding
Dennisa GoatsCascade Financial
William GodfreyMason-McDuffie Mortgage
Corporation
Scott GoedenReference Point
Jonathan GoldmanM. Robert Goldman &
Company, Inc.
Lynsey GoldsteinEmbrace Home Loans
Veronica GomezNew American Funding
Edwin GonzalezEmbrace Home Loans
Jessica GonzalezNew American Funding
Ofelia GonzalezNew American Funding
Robert GonzalezNew American Funding
Gary GoodmanEmbrace Home Loans
Rosa GossettColonial Savings, F.A.
Rick GouldColonial Savings, F.A.
Paul GouletEmbrace Home Loans
Stephen GozdanCenlar FSB
Peter GraceMortgage Bankers Association
Vanessa GrahamColonial Savings, F.A.
Ron GrauNew American Funding
Sherry GrazianoSunTrust Mortgage, Inc.
Kelley GrealisUnion Home Mortgage
Darla GreenColonial Savings, F.A.
George GreenMortgage Bankers Association
James GreenUnion Home Mortgage
Patrick GreenWells Fargo Home Mortgage
Shelton GreenColonial Savings, F.A.
Arthur GreenbaumNew American Funding
J� Kingsley GreenlandDebtX
Gurdish GrewalNew American Funding
Eileen GreyMortgage Bankers Association
Annie GriffinEmbrace Home Loans
Kapri GriffinNew American Funding
Ken GriggsNBS Financial Services
Kerry GrimmEmbrace Home Loans
James GrossMortgage Bankers Association
Kristina GrzywaczNew American Funding
Angela GuditusMcLean Mortgage Corporation
Jesus GuerreroNew American Funding
Vina GuerreroNew American Funding
Leslie GuerryEmbrace Home Loans
Joel GuilbertAlliance Insurance Partners
Michael GunnNew American Funding
Judy GuthrieFirst Continental Mortgage, Ltd.
James GuzmanNew American Funding
Nita HaasNOIC/Concord
John HaberlNew American Funding
Tanner HaberlNew American Funding
Mike HaeffnerEmbrace Home Loans
James HagenAlliance Home Loans
Harry HallColliers International
Jennifer HallNOIC/Concord
Michael HallColonial Savings, F.A.
Rob HallumNew American Funding
Patti HamakerP/R Mortgage & Investment
Corporation
Cynthia HamiltonNew American Funding
Joni HamlettEmbrace Home Loans
Zachary HammanNew American Funding
Nicole HammockEmbrace Home Loans
Bryson HammondColonial Savings, F.A.
Cass HanafeeP/R Mortgage & Investment
Corporation
Kevin HannonWells Fargo Home Mortgage
Tamara HannumNew American Funding
Sarah HanoverP/R Mortgage & Investment
Corporation
Daniel HansonEmbrace Home Loans
Elizabeth HansonNew American Funding
Barbara HardingCenlar FSB
Helen HarperMcLean Mortgage Corporation
Bill HarringtonColonial Mortgage
Debbi HarrisColonial Savings, F.A.
Scott HarrisPulte Mortgage, LLC
Jason HartColonial Savings, F.A.
Tammy HartnettNew American Funding
Daniel Hastings, CMBEnvoy Mortgage
Zachary HatchEmbrace Home Loans
Ritchy HaynesNew American Funding
Michael Heagerty, CCMSNewmark Realty Capital, Inc.
William HedlundEmbrace Home Loans
Max HedrickColonial Savings F. A.
Christopher HeiseCenlar FSB
Laine HeiserUnion Home Mortgage
Robert HelbingPrimeLending
Chris HendersonEmbrace Home Loans
Pamela HendersonEmbrace Home Loans
Jack HeniganColonial Savings, F.A.
Sher HennieFirst Mortgage Company
Christine HenryUnion Home Mortgage
Blake HeringNBS Financial Services
David HershmanMcLean Mortgage Corporation
Shawn HessMcLean Mortgage Corporation
Deborah HigginsNew American Funding
Tim HigginsEmbrace Home Loans
Susan HightEmbrace Home Loans
Tammy HillNew American Funding
Jeffery HillmanCenlar FSB
David HinesP/R Mortgage & Investment
Corporation
PAGE 12 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
Eric HinesUnited American Mortgage
Susan HinshawMerchants Bank
Debbie HoffmanDigital Risk, LLC
Mimi HoffmanMcLean Mortgage Corporation
Ben HoganEmbrace Home Loans
George HolcombFirst Continental Mortgage, Ltd.
Patrick HollandEmbrace Home Loans
Catherine HoltmanEmbrace Home Loans
Michael HoltmanEmbrace Home Loans
Roger HopeFinance of America
Mortgage LLC
Max HorneColonial Savings, F.A.
Matthew HostetlerMerchants Mortgage
Robert HostetlerNew American Funding
Scott HouleEmbrace Home Loans
Karrie HouseAlliance Home Loans
Bucky HouserArvest Bank
David HouserPrimeLending
Brian HowcroftAlliance Home Loans
Michelle HuebnerNew American Funding
Matthew HuffEmbrace Home Loans
Bill HultmanMERSCORP Holdings, Inc.
Candice Renee HultquistFirst Mortgage Company, LLC
Cary HumphreyEmbrace Home Loans
Eugene HumphriesCornerstone Home Lending, Inc.
James HunterCornerstone Home Lending, Inc.
Stacey HunterFirst Mortgage Company, LLC
Nancy HurlstonNew American Funding
Kirk HutchingsEmbrace home loans
Renee HutsellP/R Mortgage & Investment
Corporation
Deborah Imondi, CRMLORhode Island Mortgage
Bankers Association, Inc.
Georgia IngallsMcLean Mortgage Corporation
Dean InnissRocky Mountain Mortgage
Company
Mike InselmannFirst Continental Mortgage, Ltd.
Lisa IpekNew American Funding
Nancy IrwinCenlar FSB
Len Israel, CMBFlagstar Bank, FSB
Chad JacksonHomeStreet Bank
Greg JacksonCornerstone Home Lending, Inc.
Joseph JacksonUnion Home Mortgage
Marc JalbertColonial Savings, F.A.
Christie JamesNew American Funding
Lisa JangardHomeStreet Bank
Paul JankeEmbrace Home Loans
Nancy JarboeEmbrace Home Loans
Dawn JassoFirst Continental Mortgage, Ltd.
Jane JassoFirst Continental Mortgage, Ltd.
Jason JenkinsUnion Home Mortgage
Adam JerulffPrimeLending
Courtney JessopColonial Savings F. A.
Odalis JimenezEmbrace Home Loans
Amy JohnsonEmbrace Home Loans
Brian JohnsonEmbrace Home Loans
Brigette JohnsonNew American Funding
Eric JohnsonInlanta Mortgage, Inc.
Harold JohnsonEmbrace Home Loans
Matthew JohnsonColonial Savings, F.A.
Vince JohnsonColonial Savings, F.A.
Madeline Johnson, CMB, AMPMilliman, Inc.
Chris JohnstonFirst Continental Mortgage, Ltd.
Wallace JonesCU Members Mortgage
Terry Jones, CMBCherry Creek Mortgage Co., Inc.
Robert JosephPacific Southwest Realty Services
Terese Joyce, CMBAmeriHome Mortgage Company
Alexander Jung, AMPBB&T
Aaron KaczorowskiInlanta Mortgage, Inc.
Matthew KaercherP/R Mortgage & Investment
Corporation
Karen KalivodaFirst Mortgage Company, LLC
Jane KananDraper & Kramer, Inc.
Lisa KaufmanUnion Home Mortgage
Jeff KauneEmbrace Home Loans
Kostas KavayiotidisPacific Southwest Realty Services
Christopher KeefeEmbrace Home Loans
Pat KeeganEmbrace Home Loans
Lanae KeenFirst Continental Mortgage, Ltd.
Alisha KeenanFirst Mortgage Company, LLC
Maggie Keenan IvesMcLean Mortgage Corporation
Brenda KeesFirst Continental Mortgage, Ltd.
Jeffrey KeeterNew American Funding
Thomas KehoeEustis Commercial Mortgage
Corporation
Mark KelbaughCenlar FSB
Kevin KennedyNew American Funding
Lauren KenneyMortgage Bankers Association
Daniel KenyonEmbrace Home Loans
Steve KernInlanta Mortgage, Inc.
Kimberly KestlerEmbrace Home Loans
Linda KetchersidCenlar FSB
Lili KhasheNew American Funding
Michael KievalWeiner Brodsky Kider PC
Andrew KilburnNew American Funding
Jeff KilmerEmbrace Home Loans
Jason KimNew American Funding
Matt KingNew American Funding
Ralph KingEmbrace Home Loans
Olga KirklandNew American Funding
David Kittle, CMBThe Mortgage Collaborative
Doug KleinNew American Funding
Lanette KleissEmbrace Home Loans
Coleen KlineColonial Savings, F.A.
Darcus KlugeColonial Savings, F.A.
Shelly KobbEverBank
Jesse KochInlanta Mortgage
John KojoianEmbrace Home Loans
Neil KolakowskiEmbrace Home Loans
Jerry KoorsMerchants Mortgage
Bryan KorbColonial Savings, F.A.
Theresa KorbColonial Savings, F.A.
Lee KorengoldNew American Funding
Gregory KornMerrimack Mortgage
Company, LLC
Jacob KoryAlliance Home Loans
Pred KosticNew American Funding
Chris KovacsNew American Funding
Amanda KrebsP/R Mortgage & Investment
Corporation
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 13
CONTRIBUTORS (CONTINUED)
Donna KrecuNew American Funding
Marci KreighP/R Mortgage & Investment
Corporation
Karen KremelInlanta Mortgage, Inc.
Hugh Kretschmer, AMPCustomers Bank
Bromi KrockNew American Funding
Debra Kroon-NappaUnion Home Mortgage
Nikki KrukovskyUnited Guaranty Corporation
Whitney KsenakP/R Mortgage & Investment
Corporation
Ernest KubacakColonial Savings F. A.
Ken KummererNexBank SSB
Christopher LaBiancaUBS
Beth LaChanceAmeriFirst Financial, Inc.
Lorraine LachapelleCU Members Mortgage
John LaCourColonial Savings, F.A.
Paul LacyFirst Continental Mortgage, Ltd.
Kevin LaffeyInlanta Mortgage, Inc.
Cecilia LafuenteEmbrace Home Loans
Joseph LagomarcinoMcLean Mortgage Corporation
Gina LalliEmbrace Home Loans
Robert LamyEmbrace Home Loans
Jennette LandrumNew American Funding
John LandryMcLean Mortgage Corporation
William LaneNew American Funding
Frederick LangUnion Home Mortgage
Katie LangNew American Funding
Nancy LanganCenlar FSB
Johnny LantzFirst Continental Mortgage, Ltd.
Alex LaPollaEmbrace Home Loans
Paul LapradeEmbrace Home Loans
Kathryn Largent CosbyColonial Savings, F.A.
Jane LarkinColonial Savings, F.A.
Curtis LarsonAlliance Home Loans
Chris LauterbachColonial Savings, F.A.
Robert LawlerColonial Savings, F.A.
Bruce LawnerFranklin First Financial, Ltd.
Samuel LawrenceColonial Savings F. A.
Andrea LazoEmbrace Home Loans
Vu LeFirst Continental Mortgage, Ltd.
Heather LeachThe Knowledge Coop
Tyler LeahyEmbrace Home Loans
Paul LeBasCenlar FSB
Alexander LebronEmbrace Home Loans
Christen LeeColonial Savings, F.A.
Nathan LeeRichey, May & Co., LLP
Michael LeechEmbrace Home Loans
Dave LeederInlanta Mortgage, Inc.
Jeffery LegginsColonial Savings F.A.
Brent LehmanUnion Home Mortgage
Bettina LeMereP/R Mortgage & Investment
Corporation
Lisa LeonardMortgage Bankers Association
Patrick LeVoirInlanta Mortgage
Rachel LewisEmbrace Home Loans
Gabriel LibuttiMcLean Mortgage Corporation
Henry LiebCenlar FSB
Robert LightCenlar FSB
Ana LimaEmbrace Home Loans
Ambrose LingEmbrace Home Loans
Christopher LingCU Members Mortgage
Alice LipkinNew American Funding
Lizann LivingstonEmbrace Home Loans
Dusty LloydNew American Funding
Stephanie LockhartEverBank
Aldys LondonWeiner Brodsky Kider PC
Timothy LongEmbrace Home Loans
Bryan LongshoreMcLean Mortgage Corporation
Maria LopesEmbrace Home Loans
Eduardo LopezNew American Funding
Sammy LopezNew American Funding
Tom LorsonP/R Mortgage & Investment
Corporation
Linda LoSchiahEmbrace Home Loans
Chad LoubeGeorge Mason Mortgage, LLC
Brady LuceyEmbrace Home Loans
Emma LuckEmbrace Home Loans
Kirby LuechauerDHI Mortgage Company
Sonya LuechauerDHI Mortgage Company
Karen LugarCornerstone Home Lending, Inc.
Michael LunaNew American Funding
Gil LunsfordMcLean Mortgage Corporation
Kelly LutzCenlar FSB
Ron LylesCenlar FSB
Jennifer LynchEmbrace Home Loans
Lionel LynchMortgage Bankers Association
Misty LynchFirst Continental Mortgage, Ltd.
Tracy LyonsCenlar FSB
Chris MaasMcLean Mortgage Corporation
Milena MaccollEmbrace Home Loans
Sarah MacDonaldEmbrace Home Loans
Darren MacDonald, CMB, AMPWells Fargo Home Mortgage
Laurie MaceUnion Home Mortgage
Dayna MacintoshAlliance Home Loans
James MackNew American Funding
Luz MadriagaNew American Funding
Renee MaestasAlliance Home Loans
Vikki MagdichUnion Home Mortgage
Patrick MageeCenlar FSB
Kenneth MajkaColonial Savings, F.A.
Julie MajorP/R Mortgage & Investment
Corporation
Jodi MalamutEmbrace Home Loans
Michael MalloryMerchants Bank
Michael ManieriEquity Prime Mortgage
Michael ManleyEmbrace Home Loans
Gregory ManosNew American Funding
Connie ManuelFirst Continental Mortgage, Ltd.
Ericka MaravillaNew American Funding
Craig MarchInlanta Mortgage, Inc.
Karen MarcucioEmbrace Home Loans
David MarinezNew American Funding
Wilma MarionNew American Funding
Kathy MarquardtMortgage Bankers Association
Carlos MarronNew American Funding
Rebecca MarshMerchants Bank
PAGE 14 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
Lois MarshallNew American Funding
Cheryl MartinP/R Mortgage & Investment
Corporation
Daniel MartinMutual of Omaha Bank
Dustin MartinEmbrace Home Loans
Lauren MartinelliNew American Funding
Phil MartinelliNew American Funding
Catherine MartinezColonial Savings, F.A.
Kortney MaruyamaNew American Funding
Lori MarzettColonial Savings, F.A.
John MasciMcLean Mortgage Corporation
Heather MasonNew American Funding
Mark MasonHomeStreet Bank
Margaret MatuzaUnion Home Mortgage
F� Allen Maulsby, CMBColonial Savings, F.A.
Jared MaxwellEmbrace Home Loans
Gary MayEmbrace Home Loans
Tracy Maynard ColeColonial Savings, F.A.
Jon MaynellMotivity Solutions, Inc.
Angela MazuraMerchants Bank
Chrissy McAlduffNew American Funding
Maureen McAllisterNew American Funding
Steve McAllisterD. Ansley Company, Inc.
Blair McAloonEmbrace Home Loans
Shelly McCammondAlliance Home Loans
Carolyn McCauleyCenlar FSB
Steve McClellanFinance of America, LLC
David McCollamColonial Savings, F.A.
Denise McConvilleNew American Funding
Ginger McCurryColonial Savings, F.A.
Amanda McFaddenMcLean Mortgage Corporation
Joseph McGannCenlar FSB
Nick McGawEmbrace Home Loans
James McGeeColonial Savings, F.A.
Joy McGeePartners Credit &
Verification Solutions
Debbie McGregorColonial Savings, F.A.
Mike McGuillEmbrace Home Loans
Shaun McGuireInlanta Mortgage, Inc.
Stephen McGurlMcGurl Risk Advisors LLC
Ron McKalikUnion Home Mortgage
Jessica McLaughlinCU Members Mortgage
Mark McLeavyNew American Funding
Shan McLendonColonial Savings, F.A.
Craig McManusEmbrace Home Loans
Erin McSweeneyEmbrace Home Loans
Colleen MeehanColonial Savings, F.A.
Steve MeekerMerchants Bank
Mahlon MeierColonial Savings, F.A.
Sarah MeierhoferColonial Savings, F.A.
Eva MelgarejoNew American Funding
Marco MeloEmbrace Home Loans
James MeltonEmbrace Home Loans
Parrish MesaNew American Funding
Julie Messina, CMBLHM Financial Corporation
dba CNN Mortgage
Richard MeyerNOIC/Concord
Jonathan MezzadriNew American Funding
Peter MicroulisEmbrace Home Loans
Fran MifsudUnion Home Mortgage Corp
Tricia MigliazzoMortgage Bankers Association
Susan MilazzoCalifornia Mortgage
Bankers Association
Vanessa MilesMerchants Mortgage
Priscilla MillberryMcLean Mortgage Corporation
Cheryl MillerEmbrace Home Loans
David MillerCenlar FSB
Julia MillerNew American Funding
Katrina MillerAlliance Home Loans
Lee Ann MillerNew American Funding
Lisa MillerColonial Savings, F.A.
Margaret MillerUnion Home Mortgage
Mary MillerEmbrace Home Loans
Michelle MillerUnion Home Mortgage
Steve MillerEmbrace Home Loans
Kristie MillerBurrisMcLean Mortgage Corporation
Robert MillsFirst Continental Mortgage, Ltd.
Susan MillspaughFirst Mortgage Company, LLC
Ed MilumEmbrace Home Loans
John MintonColonial Savings, F.A.
Reid MitchellColonial Savings, F.A.
Claudia MobiliaEmbrace Home Loans
Terry Mobly, CMSColonial Savings, F.A.
Kevin MoitosoEmbrace Home Loans
John MolaviNew American Funding
Tigran MomdjianNew American Funding
Linda MonahanAlliance Home Loans
Nick MonardoLHM Financial Corporation
dba CNN Mortgage
Mariana MontalvoEmbrace Home Loans
Daniel MonteRose Hill Group
Lorenzo MontecinoEmbrace Home Loans
Paul MontoyaNew American Funding
Steven MoraisEmbrace Home Loans
Isela MoranColonial Savings, F.A.
Karen MoravusMcLean Mortgage Corporation
Erick MorelandColonial Savings, F.A.
Diane MorenoUnion Home Mortgage
Thomas MorenoUniversal American
Mortgage Company
Clint MorganRuoff Home Mortgage
Dawn MorganNew American Funding
Bob MorqadoEmbrace Home Loans
Robert MorrisFirst Mortgage Company, LLC
Stephanie MorrisMerchants Mortgage
Jason MosesMcLean Mortgage Corporation
Miguel Mouriz FrancoNew American Funding
Elizabeth MovrichEmbrace Home Loans
Jon MukaiMcLean Mortgage Corporation
Michael MullarkeyCenlar FSB
Jacque MurleyUnion Home Mortgage
Joe MuscarellaEmbrace Home Loans
Patricia MuseGrandbridge Real Estate
Capital LLC
Angela Muxworthy, CMBNusenda Credit Union
Mary Beth NagleMcLean Mortgage Corporation
Viken NakhnikianEmbrace Home Loans
Austin NealColonial Savings, F.A.
Kathy NealSunTrust Mortgage, Inc.
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 15
CONTRIBUTORS (CONTINUED)
Tim NeerColonial Savings, F.A.
Yanna NelsonHomeStreet Bank
Benjamin Nelson, AMPD.L. Evans Bank
Kimberly NewellMortgage Bankers Association
Andy NguyenNew American Funding
Huyen NguyenNew American Funding
Mary NguyenCMG Financial
Daniel NicartNew American Funding
Lindsey NichollPacific Southwest Realty Services
Kate NicholsHomeStreet Bank
Robert NicosiaCenlar FSB
Jeff NielsenNew American Funding
Robert NiemiBakerHostetler, LLP
Aaron NinnessNew American Funding
Tom NinnessNew American Funding
David NishanMcLean Mortgage Corporation
Kristina NorrisEmbrace Home Loans
David Norris, CMBLoanDepot.com, LLC
Lauren NorthPrimeLending
Pamela NovakFirst Continental Mortgage, Ltd.
Scott NowakMortgage Bankers Association
Mike NoyesUniversal American
Mortgage Company
Carlos NunleyNew American Funding
Sean O’BrienEmbrace Home Loans
Carolina OcampoEmbrace Home Loans
Collin O’ConnorP/R Mortgage & Investment
Corporation
Amy OdellNOIC/Concord
Brian O’Dell, AMPBradley Arant Boult
Cummings, LLP
Frank O’DonnellEmbrace Home Loans
Jeffrey OgdenNOIC/Concord
Sean O’KaneEmbrace Home Loans
Allison OlweilerMcLean Mortgage Corporation
Rudy OndrusNOIC/Concord
Jennifer O’NeilEmbrace Home Loans
Juan Ordaz, AMPColonial Savings, F.A.
Gilbert OrozcoFirst Continental Mortgage, Ltd.
Mark OrrColonial Savings, F.A.
Ashley OrsiniMcLean Mortgage Corporation
Sheila OwensCenlar FSB
Patricia OztuncEmbrace Home Loans
Nick Pabarcus, AMPStearns Lending, LLC
Pritesh PadhiarNew American Funding
Christopher PadovaniUnion Home Mortgage
Jeremy PageInlanta Mortgage, Inc.
Christopher PaliskaNew American Funding
Leonard PalizzaEmbrace Home Loans
Katie PaolangeliMERSCORP Holdings, Inc.
Joseph ParkNew American Funding
Evelyn ParkerEmbrace Home Loans
Victoria ParksAlliance Home Loans
Leighton ParnellInterFirst Capital, LLC
Stephen ParrilloEmbrace Home Loans
Peg PartlowEmbrace Home Loans
Andrew PasillasNew American Funding
Dan PasmanColonial Savings, F.A.
James PassanoMcLean Mortgage Corporation
Pamela PatenaudeJ. Ronald Foundation for
Housing American’s Families
Robert PathmanMERSCORP Holdings, Inc.
Louis PatiernoMcLean Mortgage Corporation
Andy PattersonInlanta Mortgage, Inc.
Judith PattersonAlliance Home Loans
Andrew PatykulaSims Mortgage Funding, Inc.
Jerry PayneColonial Savings F. A.
Trent PeakerMegaStar Financial Corp
David PearsonTruHome Solutions, LLC
Mitch PearsonAlliance Home Loans
Alexandra PedroEmbrace Home Loans
Greg PeeleEmbrace Home Loans
Jennifer PeeleEmbrace Home Loans
Jason PerkinsConcord Mortgage Corp.
Jason PerkinsNOIC/Concord
Ainsley PerryEmbrace Home Loans
Ken PerryThe Knowledge Coop
Jill PetruzziMerchants Bank
Andrea PettitFirst Mortgage Company llc
Michael PfeiferPfeifer & De La Mora, LLP
Kevin PhelanColliers International
Angie PhillipsEmbrace Home Loans
Laurie PhillipsEmbrace Home Loans
Mark PiburnEmbrace Home Loans
James Picard, CMB, AMPDenali Federal Credit Union
Debra PierceColonial Savings F. A.
Richard PierceNew American Funding
Thomas PiercyInteractive Mortgage
Advisors, LLC
Jason PikeFirst Mortgage Company, LLC
William PiperColonial Savings, F.A.
Mary Pirrello, AMPNexBank SSB
Alex PirroNew American Funding
Jack PlonienColonial Savings, F.A.
Chris PodleiszekMcLean Mortgage Corporation
Kurt PogoloffNew American Funding
Chase PolhemusEmbrace Home Loans
Ryan PopovicEmbrace Home Loans
Carlo PorcelliBank of America
Jeremy PotterNorcom Mortgage
Scott PotterAlliance Home Loans
Todd Potter, CMBEnvoy Mortgage
Carol PottsEmbrace Home Loans
Geoff PottsFirst Continental Mortgage, Ltd.
Robert PowellAlliance Home Loans
Devin Powers DavisNew American Funding
Jim PrattEmbrace Home Loans
Kenneth PrattEmbrace Home Loans
T� Anthony PremerPacific Life Insurance Company
Michael PrescottColonial Savings, F.A.
Eric PretzlaffPrimeLending
Woodrow PriesterCenlar FSB
Gina ProctorFirst Continental Mortgage, Ltd.
Todd PruittCherry Creek Mortgage Co., Inc.
Tammy PullenCornerstone Home Lending, Inc.
Sharron PustejovskyColonial Savings, F.A.
Susan PutnamHomeStreet Bank
Keith PyatakEmbrace Home Loans
PAGE 16 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
Barbara QuickNew American Funding
Jerry QuickMcLean Mortgage Corporation
Kia QuinnEmbrace Home Loans
Michael QuintillaNew American Funding
Janet RaedelsMcLean Mortgage Corporation
Mike RaffaEmbrace Home Loans
Alex RamirezNew American Funding
Alison RamosUnion Home Mortgage
Troy RampyUnited Guaranty Corporation
Linda RamseyEmbrace Home Loans
Michelle RanceEmbrace Home Loans
Maria RandallNew American Funding
Kevin RandlesCBRE Capital Markets
Manuel RaposoEmbrace Home Loans
Mark RaskinPrimeLending
Jack RatanapratumNew American Funding
Jeffrey ReardonEmbrace Home Loans
Lisa RedfordEmbrace Home Loans
Christina ReedNew American Funding
Joan ReedHomeStreet Bank
Kristen ReedEmbrace Home Loans
Patricia RegaladoColonial Savings, F.A.
Robert RegineEmbrace Home Loans
Nancy RehseNew American Funding
John ReidEmbrace Home Loans
Cary ReinesEmbrace Home Loans
Ashley ReutherFirst Continental Mortgage, Ltd.
Altagracia Reyes, AMPAmerican Financial Resources Inc
Cris ReynoldsPrimeLending
Susanne RiberdyEmbrace Home Loans
Celine RiceEmbrace Home Loans
Kevin RiceMountain West Bank
Sandra RiceHomeStreet Bank
Valerie RichNew American Funding
Kevin RichardiEmbrace Home Loans
Haydn RichardsBradley Arant Boult
Cummings, LLP
Sabrina RichardsonCornerstone Home Lending, Inc.
Kalen RicheyRichey May & Co., LLP
J� Jeffery RiggsEssex Financial Group
Julie RigstadNew American Funding
Roger RigstadNew American Funding
Leanore RinaldiEmbrace Home Loans
Diana Ringer, Master CMB, AMPRuoff Home Mortgage
Christine RizzioEmbrace Home Loans
Mark RobergeMERSCORP Holdings, Inc.
Berry RobersonColonial Savings, F.A.
Angie RobertsEverBank
Joe RobertsEmbrace Home Loans
Kimberly RobertsAlliance Home Loans
Lynnette RobertsonMcLean Mortgage Corporation
David RobinsonSunTrust Mortgage, Inc.
Garrett RobyAlliance Home Loans
John RodenColonial Savings, F.A.
Anthony RodriguezEmbrace Home Loans
Christina RodriguezColonial Savings F. A.
Dora RodriguezAlliance Home Loans
Jay RodriguezNew American Funding
Lorraine RodriguezNew American Funding
Martin RodriguezLendPlus
Randall Rogers Jr�P/R Mortgage & Investment
Corporation
Randall Rogers Sr�, CMBP/R Mortgage & Investment
Corporation
Tamara RomanoNew American Funding
Art RomeroNew American Funding
Kay RoperColonial Savings, F.A.
Adam RoseNew American Funding
Dan RosenColonial Savings, F.A.
Jason RossNew American Funding
Jason RothbardNew American Funding
Alicia RoundyMortgage Bankers Association
Sarah RoutsonMerchants Mortgage
Deanna RoyEmbrace Home Loans
Gregg RoyEmbrace Home Loans
Adam RugglesFirst Continental Mortgage, Ltd.
Dustin RuhlMerchants Bank
Javier RuizNew American Funding
Sandra RuizNew American Funding
Donald RussellUnion Home Mortgage
Sunshine RussellAlliance Home Loans
John RussoFirst Mortgage Company, LLC
Krista RussoNew American Funding
Lawrence RussolinoEmbrace Home Loans
Laune RuthEmbrace Home Loans
James RutkowskiUnion Home Mortgage
Dawn RyanEmbrace Home Loans
Jerra RyanCherry Creek Mortgage Co., Inc.
Patrick RyanEmbrace Home Loans
Mary Rzucidlo, CMBUSAA Federal Savings Bank
Omeed SalashoorHomeStreet Bank
Andrea SalinasColonial Savings, F.A.
Loretta SalzanoFranzen and Salzano, PC/
ComplyShare, LLC
Bernadette Sanchez-WiegelFirst Mortgage Company, LLC
Cody SanderlinFirst Continental Mortgage, Ltd.
Metta SandersMerchants Mortgage
Kendall SargentNew American Funding
Dave SavageMortgage Coach
Jason SavoieEmbrace Home Loans
Scott ScavuzzoUnion Home Mortgage
Michelle SchartungNew American Funding
Steve SchauerNew American Funding
John SchiavoAmeriFirst Financial, Inc.
Virginia SchlectCornerstone Home Lending, Inc.
Tara Schlehuber-JohnsonEmbrace Home Loans
Stacy SchlicherUnion National Mortgage Co
Rick SchmidtEmbrace Home Loans
Joy SchnecklothNew American Funding
Star SchottColonial Savings, F.A.
Tammy SchullerNew American Funding
Barbara SchulzUnion Home Mortgage
Mathew SchulzFirelight Mortgage Consultants
Merrill SchulzeNew American Funding
Jeffrey Schummer, CMBMortgage Bankers Association
Priscilla SchuylerPrimeLending
Jeff ScolloEmbrace Home Loans
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 17
CONTRIBUTORS (CONTINUED)
Martin ScovitchEmbrace Home Loans
Janet SegarraFirst Continental Mortgage, Ltd.
Kerry SeibertEmbrace Home Loans
Patti SelfNew American Funding
David SelleckInlanta Mortgage, Inc.
Stephen SepulvedaNAF
Kasra ShahebrahimiAlliance Home Loans
Hovik ShahinianNew American Funding
Peter ShapiroMortgage Bankers Association
Stephen ShapiroSchnader Harrison Segal
& Lewis LLP
Beau SharkeyNew American Funding
C� Stephen Shaw, CMBPhillips Realty Capital
T� Derrick SheaAtlas One Financial
Dan SheehanInlanta Mortgage, Inc.
Heather SheerinEmbrace Home Loans
David ShelorEmbrace Home Loans
Louise SheninCenlar FSB
Moneer ShenodaNew American Funding
Dottie SheppickBank of America Home Loans
April SherrillAlliance Home Loans
Josh SherrillAlliance Home Loans
Vicki ShinnNew American Funding
Shannon ShippeeEmbrace Home Loans
David ShirkLotsteinLegal, PLLC
John SibalEustis Commercial Mortgage
Corporation
Cheryl SierackiABN AMRO Mortgage Group
Christina SierackiUnion Home Mortgage
Brandon SilvaEmbrace Home Loans
Joseph SilvaEmbrace Home Loans
Araceli Silva De DuarteAlliance Home Loans
Susanna SilveiraEmbrace Home Loans
Armand SilvestreNew American Funding
Cynthia SimmonsCornerstone Home Lending, Inc.
Rebecca SingerNew American Funding
Ellen SkaggsNew American Funding
Shawn SkjonsbyNew American Funding
John SkobaCornerstone Home Lending, Inc.
Edward SledgeBradley Arant Boult
Cummings, LLP
Dortha SmallMerchants Mortgage
Mike SmallingFirst Continental Mortgage, Ltd.
Bryan SmithEmbrace Home Loans
Char-Lee SmithMcLean Mortgage Corporation
Cyndee SmithEmbrace Home Loans
Dorinda SmithSunTrust Mortgage, Inc.
Justin SmithColonial Savings, F.A.
Lisa SmithEmbrace Home Loans
Traci SmithEmbrace Home Loans
Stephen Smith, CMB, AMPMortgage Investors Group
Chandra SmockNew American Funding
John SnellColonial Savings, F.A.
Greg SnowHomeStreet Bank
Brad SnyderFirst Continental Mortgage, Ltd.
Brian SnyderNOIC/Concord
James SnyderInlanta Mortgage, Inc.
Jeremiah SnyderNew American Funding
Michelle SolomonEmbrace Home Loans
Jay SolversonHomeStreet Bank
Michael SorohanMortgage Bankers Association
Alberto SotoEmbrace Home Loans
David SoudersWeiner Brodsky Kider PC
Christy SoukhamneutStarkey Mortgage, LLP
Amy SousaEmbrace Home Loans
Deborah SousaMassachusetts Mortgage
Bankers Association, Inc.
Jeffrey SpahnP/R Mortgage & Investment
Corporation
Sheila SpanglerMerchants Bank
Brian SpeharColonial Savings F. A.
Mari SperryNew American Funding
Debbi SpikerColonial Savings, F.A.
Carla SpraggFirst Continental Mortgage, Ltd.
Brenda SpruceEmbrace Home Loans
Aerick SquireAlliance Home Loans
Norma SquireAlliance Home Loans
Paul StaffordNew American Funding
Tim StaffordNew American Funding
John StammEmbrace Home Loans
Robert StanfillNew American Funding
Leonard StanleyCenlar FSB
Shirley StarkNew American Funding
Larry SteeleHomeStreet Bank
Angela StephanEmbrace Home Loans
Glynnis StephensColonial Savings, F.A.
Cameron StewartEmbrace Home Loans
Amy StinsonColonial Savings, F.A.
Shelley StockmanNew American Funding
Wendy StockwellEmbrace Home Loans
William Stokes, CMBAmerican Security
Mortgage Corp.
Melissa StoneUnion Home Mortgage
Roger Stotts, CMBNew American Funding
Peter StrahlerNew American Funding
Kurt Strandson, CMPMortgage Bankers and
Brokers Association of New Hampshire, Inc.
Stanley StreetStreet Resource Group, Inc.
Kevin Strickland, AMPSunTrust Mortgage, Inc.
Sheila StrongAmeriFirst Financial Corporation
Daniel Sugg, CMBCentennial Lending Group, LLC
Paula SulakUnion Home Mortgage
Amy SullivanEmbrace Home Loans
Brian SullivanP/R Mortgage & Investment
Corporation
Mary Ann Sullivan, AMPCenlar FSB
Nancy SutphenColonial Savings, F.A.
Jeff SvantnerUnion Home Mortgage
Lisa SwaimNew American Funding
Abraham SweetSente Mortgage
Forrest SwimsNew American Funding
Andrew SwopePrimary Residential
Mortgage, Inc.
Stephanie TafoyaNew American Funding
W Sue TaitanoColonial Savings, F.A.
Jody TalickNew American Funding
Aldryn TanguiEmbrace Home Loans
Vernon TannerCrescent Mortgage Company
Lynn Tarantino, CRCMCenlar FSB
H� Treak Tasker, CMB, AMPHolliday American Mortgage, LLC
PAGE 18 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
Donna TateNOIC/Concord
Joseph TatulliEmbrace Home Loans
Mike TaveiraEmbrace Home Loans
Julie TaylorEmbrace Home Loans
Travis TaylorColonial Savings, F.A.
Jarrett TempleAlliance Home Loans
Jamie TenbergColonial Savings, F.A.
Mark Teteris, CMBOptimal Blue, LLC
Karen ThaggardEmbrace Home Loans
Stephen ThaggardEmbrace Home Loans
Christopher ThibeaultEmbrace Home Loans
Tara ThomasEmbrace Home Loans
Michael Thomasson, CMB, AMPTaylor Morrison Home Funding
Aaron ThompsonLegacy Mortgage, LLC
Michael ThorslandVenture Mortgage Corporation
Alan Thorup, CRMPIndiana Mortgage Bankers
Association, Inc.
Benjamin TiganoEmbrace Home Loans
Austin TilghmanUnited Capital Markets, Inc.
Joseph TilleyPhillips Realty Capital
Mary TimpermanMerchants Bank
Jennifer ToblerAlliance Home Loans
Frank TodiscoEmbrace Home Loans
Kerrie TomasiewiczSims Mortgage Funding, Inc.
Dominic TornambeNew American Funding
Sharyn Torrisi-CartwrightPulte Mortgage, LLC
April TracyNew American Funding
Debbie TraftonFirst Mortgage Company, LLC
Jennifer TraskRichey, May & Co., LLP
Bryan Traylor, AMPCentier Bank
Thomas TrottEmbrace Home Loans
Brad TrotterFirst Continental Mortgage, Ltd.
Sandra TroutmanMERSCORP Holdings, Inc.
Robert TrujilloNew American Funding
Jeff Tucker, CMB, AMPAvenue Bank
Robert TurnerColonial Savings, F.A.
Christine TurpenFirst Mortgage Company
Scott TwombleyNew American Funding
Joseph UhmNew American Funding
Mark UnangstGershman Mortgage
David UpbinMortgage Bankers Association
Kevin UshmanNew American Funding
Helen UsitaloFirst Continental Mortgage, Ltd.
Denise VaccaroCenlar FSB
Christian Van LeeuwenNew American Funding
Robert Van RaaphorstMortgage Bankers Association
Mindy Van WoerkomMortgage Bankers Association
Josh VandagriffWells Fargo Home Mortgage
Robert VanderWaalUnion Home Mortgage
Victoria VandivierP/R Mortgage & Investment
Corporation
Steve VanSicklerSilver State Schools
Mortgage Company
Diana VargasNew American Funding
Gina VasquezNew American Funding
Joe VeitchEmbrace Home Loans
Tiffany VelascoNew American Funding
Maricruz VelizUnion Home Mortgage
Sandra VenturaAlliance Home Loans
Terry Viera-PodorskiNew American Funding
Floyd VinsonAlliance Home Loans
Doris VivensColonial Savings, F.A.
Dean Von EssenCenlar FSB
Kyle VredenburgEmbrace Home Loans
Sabine WadeColonial Savings, F.A.
John WadleStewart Lender Services
Ian WaiteMcLean Mortgage Corporation
Lance WaldenUnion Home Mortgage
Jody WallFirst Continental Mortgage, Ltd.
Claudia WallaceCenlar FSB
Lacy WallaceTennessee Mortgage Bankers
Association, Inc.
Janet WalterColonial Savings, F.A.
Edward WardEmbrace Home Loans
Peggy WardMcLean Mortgage Corporation
Darryl Ward, AMPSynovus Mortgage Corp.
Shelley WarholEvergreen Home Loans
Cathy WarkEmbrace Home Loans
John WatryInlanta Mortgage, Inc.
Ann WatsonInlanta Mortgage, Inc.
Debbie WatsonAlliance Home Loans
Kimberly WatsonNew American Funding
Derik WattsMerchants Bank
Robert WattsColonial Savings, F.A.
Kimberly WaylandMcLean Mortgage Corporation
Jay Weddle, AMPMerchants Bank
Harvey WeinerWeiner Brodsky Kider PC
Ronald WestNew American Funding
Mary WestlakeNew American Funding
Kip WestonNew American Funding
John WheelerEmbrace Home Loans
Brian WheelinEmbrace Home Loans
Austin WhiteEmbrace Home Loans
Paula WhiteMcLean Mortgage Corporation
Emily WhitstoneInlanta Mortgage, Inc.
Paige WhittecarColonial Savings, F.A.
Kelsey WichnerNew American Funding
Patricia WidermanBB&T
Pamela WidmannCenlar FSB
Tammy WiemanFirst Mortgage Company, LLC
Shellye WigginsFirst Continental Mortgage, Ltd.
Cheri WightEmbrace Home Loans
David WightEmbrace Home Loans
Anna WilderFirst Continental Mortgage, Ltd.
Piper WilliamColonial Savings, F.A.
Brandon WilliamsHoward Hanna Mortgage
Services Inc.
Raymond WilliamsNew American Funding
Richard WilliamsEmbrace Home Loans
Sabrina WilliamsColonial Savings, F.A.
Stuart WilliamsFirst Continental Mortgage, Ltd.
Timothy WilliamsNew American Funding
Gerald WilliamsonAlliance Home Loans
John WilloughbyUnion Home Mortgage
Bill WillsColonial Savings F. A.
Marcia Wilson, CMB, AMPColonial Savings, F.A.
Joseph WindelsSims Mortgage Funding, Inc.
MORPAC 2016 YEAR END REPORT AS OF 12/31/2016 PAGE 19
CONTRIBUTORS (CONTINUED)
Steve WinnEmbrace Home Loans
Kate WinthropEmbrace Home Loans
Beth WiseEmbrace Home Loans
Justin WisemanMortgage Bankers Association
Leslie WishMcLean Mortgage Corporation
Jeff WittCalAtlantic Mortgage
Siglinde WittEmbrace Home Loans
Talia WittUnion Home Mortgage
Mary WoehrCenlar FSB
Anna WoishekEmbrace Home Loans
Matt WolfUniversal American
Mortgage Company
Len WolfsonMortgage Bankers Association
Brenda WomackNew American Funding
Michael WoodNBS Financial Services
Thomas WoodThomas D. Wood and Company
Ciara WoodardMerchants Bank
Sue WoodardVantage Production, LLC
Deborah WoodbeckUnion Home Mortgage
James WoodwellMortgage Bankers Association
Scott WoolhouseEmbrace Home Loans
William WoolridgeEmbrace Home Loans
Mark WoolsonBB&T
Kelly WordFirst Continental Mortgage, Ltd.
Keith WrightUnion Home Mortgage
Michelle WrightCU Members Mortgage
Ralph WutscherMaurice Wutscher LLP
Hollie WylliePrimary Residential
Mortgage, Inc.
Kevin Yamane, AMPCatalyst Lending, Inc.
Stephen YarochPHH Mortgage
Jolin YassaNew American Funding
Sean YoungNew American Funding
Chaya ZahnMortgage Bankers Association
Craig ZalcbergEmbrace Home Loans
Jessica ZazuetaNew American Funding
Mitchell ZeemontNewmark Realty Capital, Inc.
Thomas ZieglerUnion Home Mortgage
Steve ZimmermanEmbrace Home Loans
Sandra ZochColonial Savings, F.A.
THE STATS15,369 MAA Members as of
12/31/2016
73% Increase in MAA Membership in 2015–2016
17% MAA Members Participating in a Call-to-Action in 2016 — up from 12% in 2015.
26,628 Communications Sent to Elected Officials in 2015–2016
28 Calls-to-Action 2015–2016COMING JUNE 2017
MAA MOBILE APP
Download the MAA mobile app for special
notifications, info on hot issues and to take
action to support the real estate finance industry�
PAGE 20 AS OF 12/31/2016 MORPAC 2016 YEAR END REPORT
CONTRIBUTORS (CONTINUED)
MORPAC 2016 YEAR END REPORT PAGE 21
FUNDRAISING METRICS As of December 31, 2016.
In 2016 alone, MORPAC raised
$1,019,851IN HARD DOLLARS
RESIDENTIAL68%
OTHER18%
COMMERCIAL14%
2016 MORPAC dollars have come from all areas of the industry
MORPAC raised over
$486,000 IN NEW DOLLARS
IN THE 2015–2016 CYCLE
In the 2015–2016 political cycle MORPAC raised
$2,032,732 OVER $600,000 MORE THAN WE’VE EVER RAISED
IN A SINGLE 2 YEAR CYCLE
Other interesting MORPAC statistics from 2016:
$605AVERAGE $ CONTRIBUTION
PER DONOR
1,669UNIQUE CONTRIBUTORS TO
MORPAC IN 2016
MORPAC hosted several individual
fundraisers last cycle in conjunction with
major MBA conferences. In particular,
MORPAC hosted events for Senate
Banking Committee member Sen� Jerry
Moran (R-KS), Chief Deputy Whip Rep�
Patrick McHenry (R-NC), former Senate
Banking Committee Chairman Richard
Shelby (R-AL), Rep� Blaine Luetkemeyer
(R-MO), and Rep� John Delaney (D-MD)�
NUMBER OF CONTRIBUTORS
0 300 600 900 1,200 1,500 1,8002016201520142013 867
1,1041,528
1,669
MORPAC contributors have grown over time
PAGE 22 MORPAC 2016 YEAR END REPORT
LEGISLATIVE AND POLITICAL UPDATE
With the historic election of 2016 behind us, Republicans
now control the White House and hold majorities in both
the House and Senate. After years of divided government
and gridlock, Republicans in Washington hope that uni-
fied control of both branches will lead to breakthroughs
on a variety of issues, chief among them tax reform and
regulatory relief, including possible changes to the Dodd-
Frank Act. Tackling these issues won’t be easy, however,
and the party leaders will still need to work together to
forge bipartisan agreements.
Last year brought a number of successes on the legislative
front, and on other issues MBA was able to “move the
ball deep downfield,” providing a platform for action and
activity with the new administration and 115th Congress.
For MBA, the new political environment could mean
that some of the industry’s priorities could reach the
president’s desk.
Housing Finance ReformAlthough little movement occurred in 2016 on GSE reform,
the topic continues to percolate on Capitol Hill and the
Trump administration has expressed a desire to address
the issue. Conversations are already underway, particu-
larly in the Senate, and MBA is well positioned to be a key
player as legislation emerges from the Senate Banking
Committee. In the House, Financial Services Committee
Chairman Jeb Hensarling has also signaled an interest
in pursuing legislation later this Congress. The release
of MBA’s housing finance reform task force’s “Principles
and Guardrails” in late January provided an opportunity
for MBA to reestablish itself as Washington’s thought
leader on the issue. The paper has been well-received,
with numerous congressional offices and stakeholders
anxiously awaiting the release of the taskforce’s more
detailed recommendations on April 20th.
SAFE Act AmendmentsLast May, the full House of Representatives unanimously
passed H.R. 2121, the SAFE Transitional Licensing Act by
voice vote. The House-passed draft of the bill reflected
extensive consultation between MBA and the Conference
of State Bank Supervisors. It would mandate that state
regulators allow MLOs transitional authority to continue
originating mortgages should they leave a federal depos-
itory to take a new job working for a non-bank or cross
state lines to do so. Language substantially similar to H.R.
2121 was included in then Senate Banking Committee
Chairman Richard Shelby’s regulatory relief package,
as well as Ranking Member Sherrod Brown’s (D-OH)
small lender relief measure. A bipartisan group in the
House and Senate have already signaled their intent to
reintroduce the legislation in 2017.
Dodd-Frank ReliefIn the summer of 2016, House Financial Services Committee
Chairman Jeb Hensarling (R-TX) unveiled his Financial
CHOICE Act, a comprehensive bill that would repeal and
replace broad swaths of the Dodd-Frank Act. At the com-
mittee’s request, MBA provided its views on the legislation,
focusing on an “exit ramp” for regulatory requirements
such as Basel III in exchange for higher capital require-
ments, proposed governance changes to the Consumer
Financial Protection Bureau, the inclusion of regulatory
relief measures, such as MBA’s preferred SAFE Act amend-
ments and appropriate fixes to the Qualified Mortgage
rule as well as commercial/multifamily issues such as risk
retention, the Home Mortgage Disclosure Act, trading
book capital requirements, and the federal regulation of
life insurance companies. Chairman Hensarling has vowed
to reintroduce the Financial CHOICE Act this year and a
discrete number of the bill’s elements (pending Senate
action) could make their way to President Trump’s desk.
MORPAC 2016 YEAR END REPORT PAGE 23
HUD AppropriationsThe government is currently operating under a continuing
resolution that expires on April 28. Per MBA’s advocacy,
both the Senate and House versions of the HUD appro-
priations bill contain the following provisions:
• For the third year in a row, both chambers
have rejected HUD’s unprecedented request
to fund a portion of FHA’s administrative costs
through a fee on residential lenders who use
the program. The Senate bill also earmarks
an additional $13 million specifically for FHA’s
IT needs, as MBA has recommended.
• $130 million for FHA administrative
contract expenses, and $23 million for
Ginnie Mae salaries and expenses.
• In response to MBA’s urging for additional
resources for FHA and Ginnie Mae, the House
bill contains volume-based incentives so FHA
could receive as much as $160 million and Ginnie
Mae could receive as much as $26 million.
• Both bills contain HUD’s full request of $30 billion
in commitment authority for the General and
Special Risk Insurance (GI/SRI) Fund in FY 2017.
• Both bills maintain the statutory prohibition on
the use of Ginnie Mae securitizations in HUD’s risk
sharing programs by Housing Finance Agencies.
• Both bills bar HUD from requiring or
enforcing the Physical Needs Assessment.
• The Senate bill contains $47 million
for housing counseling, while the
House bill provides $55 million.
• Both bills continue the prohibition on federal
funds being used to facilitate eminent domain
seizures of performing mortgage loans.
Guarantee feesIn response to growing attempts by Congress to raise
Fannie Mae and Freddie Mac’s guarantee fees (g-fees)
to pay for unrelated spending priorities, Representatives
Mark Sanford (R-SC) and Brad Sherman (D-CA) intro-
duced H.R. 4893, the Risk Management and Homeowner
Stability Act. The bill would prohibit the use of these g-fees
as offsets in spending measures. MBA was instrumental
in the drafting and introduction of this legislation — and
growing support for the bill was part of the agenda during
the 2016 National Advocacy Conference. MBA also led a
joint trade letter to both the House and Senate Budget
Committees urging them to renew for another year the
prohibition on using g-fees as a spending offset. Identical
House legislation has already been reintroduced in 2017.
Uniform Residential Loan Application (URLA)MBA spearheaded a congressional letter to Federal
Housing Finance Agency (FHFA) Director Mel Watt in
early July that urged the agency to exclude a suggested
question regarding borrowers’ language preference on
the URLA. The letter, led by Representative Steve Stivers
(R-OH) and signed by 55 House Republicans, was in
direct response to efforts by FHFA, as well as Fannie
Mae and Freddie Mac, to include such a question. The
Stivers letter buttressed a meeting that MBA held with
FHFA to reinforce concerns regarding implementation of
the suggested change prior to further discussion. FHFA
ultimately decided not to include a language preference
question within the updated URLA when it was released
in August.
PAGE 24 MORPAC 2016 YEAR END REPORT
High Volatility Commercial Real Estate ExposuresAt the request of MBA and other coalition partners,
Representative Robert Pittenger (R-NC) wrote to federal
banking regulators concerning 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.
FHFA Membership RuleLast year, a bipartisan group of lawmakers introduced H.R.
3808, legislation to require the withdrawal and study of
the Federal Housing Finance Agency’s (FHFA) proposed
rule on Federal Home Loan Bank (FHLB) membership.
The legislation would address a controversial FHFA rule
that limits the ability of mortgage Real Estate Investment
Trusts (mREITs) to access the FHLB System. After FHFA
finalized the rule, MBA continued to work with the bill’s
sponsors as well as HFSC leadership to fine-tune the
legislative language so that it appropriately amends,
rather than overturns, the membership rule in order to
preserve access to the System for captive insurers/REITs.
While the effort stalled at the end of last year, MBA has
been working diligently to identify new lead sponsors
and reintroduce legislation that would permit captive
insurers to once again access the system.
CMBS Risk RetentionLast year, MBA worked in support of a new CMBS risk
retention bill, H.R. 4620, the Preserving Access to CRE
Capital Act. Introduced by Representative French Hill
(R-AR), the bill would provide for: an exemption from
risk retention for single property, single borrower com-
mercial real estate loans; for other commercial real
estate loans, qualification parameters for risk retention
exceptions that better reflect customary and prudent
lending practices; in addition to the pari passu structure
provided for in the final risk retention rule, allowance
of a senior/subordinate structure when there are two
third-party risk retention purchasers. The House Financial
Services Committee approved H.R. 4620 by a vote of 39
to 18. Conversations regarding possible next steps with
the legislation are ongoing with Members of Congress,
our own members impacted by the ongoing CMBS risk
retention rule implementation, and other stakeholders.
Flood InsuranceWith the National Flood Insurance Program’s current
authorization set to expire on October 1, 2017, both the
House and Senate have made a long-term reauthorization
of the program a top priority. Within the broader bill,
MBA is urging the inclusion of the Flood Insurance Market
Parity and Modernization Act. The legislation fixes a flaw
in a 2012 law that had the unintended consequence of
making it more difficult for private insurers to provide
private flood insurance and for lenders to accept those
policies. It would amend the definition of “private flood
insurance” to restore the discretion necessary to allow
lenders, private insurers, and regulators to develop a
functional private insurance market. MBA testified in
support of the bill and sent a letter to the full House
prior to its passage by a unanimous vote of 419 to 0.
The bill remains a high congressional priority in 2017 and
has already been reintroduced in the House and Senate.
HUD ReformPresident Obama signed H.R. 3700, the Housing
Opportunity Through Modernization Act, into law on July
29. Among its nearly twenty provisions, the law requires
FHA to streamline its condominium project recertification
requirements. The law also authorizes the USDA’s Rural
Housing Service single-family housing guaranteed loan
program to delegate loan approval authority to preferred
lenders, similar to that of existing FHA and VA delegated
approval authority guidelines. The law’s condominium
provisions also expand commercial space requirements,
align recurring private transfer fees to be consistent
with those of the Federal Housing Finance Agency, and
decrease the owner-occupancy requirement from 50
percent to 35 percent.
MORPAC 2016 YEAR END REPORT PAGE 25
MORPAC DISBURSEMENTSMORPAC made the following contributions during the period of July 1st through December 31st, 2016.
COMMITTEE NAME AMOUNT COMMITTEE NAME AMOUNT
A New Direction PAC $2,500 Friends of Erik Paulsen $2,500
A New Direction PAC $1,000 Friends of Frank Guinta $2,500
AMERIPAC: The Fund for a Greater America $2,500 Friends of Jim Clyburn $3,500
Ami Bera for Congress $1,000 Friends of John McCain Inc $2,500
Ann Wagner for Congress $2,000 Friends of Kelly Ayotte Inc $1,000
Anthony Brown for Congress $1,000 Friends of Sherrod Brown $2,500
AX PAC $2,000 Friends of Susan Brooks $2,500
Beatty for Congress $1,000 Fund for the Majority PAC $1,000
Becerra for Congress $1,000 Getting Stuff Done PAC (GSD-PAC) $2,500
Becerra for Congress $2,000 Granite Values PAC $5,000
Bill Flores for Congress $1,000 Grassley Committee Inc $2,500
Blue Hen PAC $2,500 Great Lakes PAC $2,500
Bluegrass Committee $5,000 Hatch Election Committee Inc $5,000
Boozman for Arkansas $3,000 Healthcare Freedom Fund $2,500
Brad Ashford for Congress $1,000 Heartland Values PAC $5,000
Brian Fitzpatrick for Congress $2,500 Hoosiers First PAC $5,000
Brian Mast for Congress $2,000 Hoyer for Congress $1,500
Building America's Republican Representation PAC
$500 Hoyer for Congress $3,500
Carlos Curbelo Congress $2,500 Hurd for Congress $2,500
Citizens for Prosperity in America Today PAC $5,000 IMPACT $2,500
Citizens for Waters $1,500 In the Arena PAC $2,500
Common Ground PAC $2,500 Jamie Raskin for Congress $1,000
Common Sense Colorado $1,500 Jason Smith for Congress $2,500
Congressional Black Caucus PAC $5,000 Jim Banks for Congress, Inc. $1,000
Country Roads PAC $2,500 Jobs and Innovation Matter PAC (JIM PAC) $1,000
Crowley for Congress $2,000 Joe Kennedy for Congress $1,000
Devin Nunes Campaign Committee $1,500 John Kennedy for Us $5,000
Donald Norcross for Congress $1,000 Katko for Congress $2,500
Donnelly for Indiana $1,000 Ken Calvert for Congress Committee $2,500
Duffy for Congress $2,000 Kind for Congress Committee $2,500
Emmer for Congress $1,000 Liz Cheney for Wyoming $1,000
First State PAC $2,500 Loudermilk for Congress $2,500
Fiscal Leadership and Knowing Economics PAC $2,500 Luke Messer for Congress $2,500
Follow the North Star Fund $3,000 Make It Work $1,500
Forward Together PAC $2,500 Making America Prosperous PAC $5,000
Free State PAC $5,000 Marsha Blackburn for Congress, Inc. $2,000
French Hill for Arkansas $1,000 McCarthy Victory Fund $5,000
Friends of David Schweikert $2,000 McEachin for Congress $1,000
Friends of David Schweikert $2,500 Michigan's Future PAC $1,000
PAGE 26 MORPAC 2016 YEAR END REPORT
COMMITTEE NAME AMOUNT COMMITTEE NAME AMOUNT
Midwest Values PAC $2,500 Royce Campaign Committee $2,000
Mike Gallagher for Wisconsin $2,500 Royce Campaign Committee $500
Missourians for Accountability and Change (MACPAC)
$1,500 Ruben Kihuen for Congress $1,000
Montanans for Tester $2,500 Sanford for Congress $2,500
Moore for Congress $2,500 Schatz for Senate $1,000
Motor City PAC $2,500 Sensible American Solutions Supporting Everyone PAC
$2,500
Moulton for Congress $1,000 Steve Knight for Congress $1,000
Moving America Forward $2,500 Tenn Political Action Committee, Inc. (TENN PAC)
$2,000
M-PAC $2,500 Tenney for Congress $1,000
M-PAC $1,500 The Peter Norbeck Leadership PAC $5,000
Mulvaney for Congress $1,500 The Richard Burr Committee $5,000
MURPHPAC $5,000 Tiberi for Congress $1,000
Nancy Pelosi for Congress $1,500 Tim Scott for Senate $2,500
Narragansett Bay PAC $2,500 Tom Reed for Congress $2,000
Nebraska Sandhills PAC $2,500 Tomorrow Is Meaningful PAC — Tim PAC $5,000
New Millennium PAC $1,500 Treasure State PAC $1,500
Nita Lowey for Congress $2,000 Trey Gowdy for Congress $2,500
Off the Sidelines PAC $2,500 Upper Hand Fund $2,000
Opportunity and Responsibility Restored in our Nation PAC
$5,000 Upper Hand Fund $2,500
PAC To the Future $5,000 Val Demings for Congress $1,000
People for Derek Kilmer $1,000 Val Demings for Congress $1,000
Pittenger for Congress LLC $1,000 Valadao for Congress $2,500
Portman for Senate Committee $4,000 Van Hollen for Senate $5,000
Preserving America's Traditions (PATPAC) $2,500 VoteTipton.Com $2,000
Project West Political Action Committee $2,500 Walberg for Congress $2,000
Promoting Our Republican Team PAC $5,000 Walberg for Congress $500
Randy Hultgren for Congress $1,000 Wild and Wonderful PAC $4,000
Responsibility and Freedom Work PAC (RFWPAC)
$2,500 Wyden for Senate $2,500
Rock City PAC $5,000 Young for Iowa, Inc. $2,500
Roskam for Congress Committee $1,000 Zeldin for Congress $2,000
Rothfus for Congress $2,500
Rothfus for Congress $1,000
MORPAC 2016 YEAR END REPORT PAGE 27
THANK YOU TO THE 2015–2016 MORPAC STEERING COMMITTEE
Jamie Korus, CMB (Chairman) Alliance Home Loans
Jayson Donaldson (Commercial / Multifamily Vice Chair) NorthMarq
Michael Tanner (Commercial / Multifamily Vice Chair) Pacific Southwest Realty Services
Rick Arvielo New American Funding
Bill Bodnar Vantage Production
Don Brown Optimal Blue, LLC
Nathan Burch, CMB 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, CMB Radian Guaranty, Inc.
Jorge Kalb Atlas One Financial
Gene M� Lugat PrimeLending
Dave Motley, CMB Colonial National Mortgage
Robert Phelps First American Mortgage Solutions
Julie Piepho, CMB, AMP Cornerstone Home Lending, Inc.
Christy Soukhamneut Starkey Mortgage, LLP
Amy Swaney, CMB Citywide Home Loans
Jack Thompson Legacy Mortgage, LLC
Tony Thompson, CMB, AMP Silverton Mortgage Specialists
James Timmons Universal American Mortgage Company
Sue Woodard Vantage Production
PAGE 28 MORPAC 2016 YEAR END REPORT
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
Alden Knowlton Director of Political Affairs
Lauren Kenney Political Affairs Coordinator
Peter Shapiro Senior Grassroots Advocacy Assistant
Mindy Van Woerkom Executive Assistant
MBA’s NATIONAL ADVOCACY CONFERENCE 2017JUNE 20–21 GRAND HYATT WASHINGTON WASHINGTON, DC
STANDAS ONE
