Talk Data To Me | Certified Credit

In October 2022, we sat down with Ken Tromer, Director of Mortgage Market Engagement at Experian, to discuss Experian Verify. In this episode, Ken joins us once again, alongside Paul Robinson, VP of Sales at Certified Credit, to explore the evolving landscape of Verification of Employment (VOE) and discuss the advancements in Experian Verify and Cascade VOE. Throughout the conversation, Ken and Pa...

By 2027, over 50% of the US workforce is likely to participate in the gig economy.1 So, how will this impact mortgage lending? The gig economy and self-employed individuals pose unique challenges for mortgage underwriting due to the variable nature of their income and the need to demonstrate stability and consistency over time. In this episode of Talk Data to Me, we delve into the world of gig eco...

71.5% of Gen Zers plan to buy their first home in the next 1-6 years, while 37.2% plan on buying as soon as 1 – 3 years.(1) So, how can today’s lending professionals help them navigate the homebuying process? In this captivating episode of Talk Data to Me, we dive into the intriguing topic of Gen Z's hesitance and challenges of entering the housing market with Ally Carty, Gen-Z Guru and Nation...

From growing expenses and declining revenue to the impacts of increasing consumer debt and decreasing creditworthiness, competing in today’s mortgage market is more challenging than ever before. Join experts from Certified Credit and the Capital Markets Cooperative, as they provide valuable insights and strategies to help lenders, like you, stay ahead of the competition and qualify more borrowers...

The current economic situation has left many individuals worried about the potential of facing foreclosure or bankruptcy. With growing uncertainty surrounding employment, income, and overall financial stability, it's no surprise that people (and servicers) are concerned about the future of homes and financial well-being. On this episode of Talk Data to Me, we’ll dive into the residual effects...

From the latest in automation to improving the digital borrower experience, we are covering all things ICE Mortgage Experience23. In this episode of Talk Data to Me, we sit down with SVP of Product Development, Ron Carlson, to discuss key takeaways from Encompass’ Experience23 and explore the pressing issues facing the mortgage industry today. Throughout our conversation, we look at the importance...

In this episode of Talk Data to Me, recorded at ICE Mortgage Technology Experience 23, we discuss everything you need to know about Private Mortgage Insurance (PMI). Whether you are a homebuyer wondering about the ins and outs of PMI or a mortgage professional looking to better educate your borrowers, this episode is for you! Many people have misconceptions about PMI, but in this episode, we will...

Today’s lenders are leveraging data to make smarter, more intuitive business decisions, especially when it comes to creating more equitable lending. In this podcast, we'll explore how lenders are using data to drive inclusive lending and support underserved markets and minority borrowers. With special guest, Laird Nossuli, CEO of iEmergent, we'll dive into topics such as: · The use of data and ana...

Automation and Artificial Intelligence (AI) are changing the way we do business not only in the mortgage industry but globally. But, digital transformation isn’t an easy process and many lenders fear that they may be falling behind. In this episode of Talk Data to Me, we discuss how lenders can easily integrate these technologies, such as AI and automation into their processes to simplify their wo...

Evaluating a borrower’s ability to repay their mortgage is crucial for lenders to accurately assess the risk of each mortgage originated. But, this issue not only impacts the lender, but it also impacts Brokers and Non-Delegated Correspondents. In this episode of Talk Data to Me, we are joined by Jillian Sorensen, Vice President, Account Executive at Flagstar Bank, Nate Clear, National Sales Manag...

As a mortgage professional, you probably start your day with the latest news on the housing market, economy, and trends in lending. While there are many sources you can follow, for many in the mortgage industry, The Chrisman Commentary is the newsletter of choice! In this episode of Talk Data to Me, we sit down with Capital Markets guru and the expert behind The Chrisman Commentary, Rob Chrisman t...

Now more than ever before, it’s important to support our borrowers and help make the dream of homeownership a reality. But, what does it mean to truly support our borrowers? In this “Talk Data to Me” episode, we revisit our conversation with industry thought leaders and experts at the Mortgage Bankers Association’s Annual Conference (MBA Annual 22) in Nashville, TN. Each conversation is focused on...

They say home is where the heart is. But for many this holiday season, the dream of home ownership can seem out of reach. In this episode of Talk Data to Me, we take a look at our recent Linkedin Live event with industry experts Phyllis Robinson of Convergence Memphis, Wonda McGowan of the National Association of Real Estate Brokers, Ella Harris of Cadence Bank & Chair of the Memphis Impact Co...

For many in the mortgage industry, 2022 was the tail of two halves. In the first half of 2022, we saw record volumes, historically low rates, and a booming market. As we wind down 2022, we are seeing significantly higher rates, industry-wide layoffs, and low consumer confidence.    So, what can you expect in 2023? What should you be doing to prepare for the coming year?    Duri...

 Technology and data are changing the way we do business in the mortgage industry. From the largest of lending organizations to the smallest of brokers, our processes, workflows, and operations are being changed by automation, AI, and other innovative technologies. In this “Talk Data to Me” episode, we revisit our conversation with industry thought leaders and experts at the Mortgage Bankers...

The 2022 housing and mortgage markets have been a wild ride, starting the year with record low-interest rates and ending with historically low affordability and 20-year high rates. So, what’s next for lending? How can mortgage companies weather the current storm, find lasting success, and ensure they make the right decisions for their organization and their borrowers? In this “Talk Data to Me” epi...

Talk Data to Me: The Mortgage Lending Experience with Ashley Gravano The mortgage industry is unlike any other. From balancing technological innovation and human touch to managing ever-changing processes to building relationships, the life of a mortgage professional is never dull. In this episode of Talk Data to Me, Ashley Gravano, Coffee Connoisseur and VP of Product Solutions at Mortgage Cadence...

Whether you are looking to grow your business and attract more borrowers or trying to expand your network of industry professionals, authenticity and your “personal brand” are key. But, what is a personal brand, how do you find yours, and how similar should your brand be to your true personality? In this episode of “Talk Data to Me”, Raquel Borras, Bodacious Brand Strategist& Marketing Guru jo...

Hispanic & Latino homebuyers will account for 70% of homeownership growth in the next 20 years, according to The Urban Institute . So, how can the mortgage industry help support them and their dreams of homeownership, while also easing the path to homeownership for other diverse communities? This Hispanic Heritage Month (September 15 - October 15) we are celebrating the contributions and influ...

In a new era of loan manufacturing, workflow efficiencies and automation is the key to driving a better bottom line, identifying opportunities, and scaling your business with ease.  In this episode of Talk Data to Me with Samantha Markwood, VP Client Success, and Jeff Woltemath, Strategic Account Executive, we will focus on the essential steps in your mortgage origination process, such as Cre...

What’s one of the hottest topics during a purchase market? Trigger leads — what are they? Why are they allowed? Do they benefit borrowers? How about lenders? In this episode, we are discussing the marketing product created by the national credit bureaus, Trigger Leads, and how they are impacting today’s lenders and consumers. Join our data nerds, Nicole Mattiello, VP of Marketing & Corporate C...

We have all been there, a borrower says they have a 720 credit score, but when you get the report back they have a 680. How can that happen? How do you explain the difference to your borrower? In this episode of Talk Data to Me, we are joined by Mark Teta, Regional VP at Certified Credit to talk about the differences between credit score models and ways lenders can better educate their borrowers o...

Homebuying has always been one of the most complex and important decisions an individual can make. But, with the impacts of the COVID-19 pandemic, lacking financial education, and the challenges of the current housing market, the next generation of homebuyers is finding it more challenging than ever before to navigate the home buying and mortgage lending process. In this special episode of Talk Da...

Credit Freezes, Identity Theft, & More. For consumers (borrowers) a credit freeze is one way to protect against identity theft by restricting access to your credit report. For example, let’s say a cybercriminal steals your identity (e.g. social security number or other personal information) to try to apply for a loan in your name. With a credit freeze, the lender/creditor would reject the appl...

Social media is changing the way that consumers act, think, and communicate faster than any other modern medium. Today’s consumers rely on social media for more than just staying in touch with friends and family. They depend on it to provide updates on the latest trends, alerts about breaking news, and insights to the people and businesses that they choose to work with. For today’s lenders that me...