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SPONSORS We wish to thank our sponsors for their generous support of the 4th Annual Mortgage Lending Industry Strategic Markets & Diversity Conference.. Be sure not to miss the chance to have your company’s name and logo prominently displayed during next year’s Mortgage Lending Industry Diversity Conference. For more information on sponsorship opportunities for the next conference, please call (202) 552-7408. O F F I C I A L C O N F E R E N C E S P O N S O R S G O L D S P O N S O R S I L V E R S P O N S O R S B R O N Z E S P O N S O R H O S T S P O N S O R M E D I A S P O N S O R
FAIR LENDING ADVISORY FOR LENDER SELF-EVALUATIONS SHAMUS ® (AUTOMATED COMPLIANCE MANAGEMENT SYSTEM) LENDINGPATTERNS (USED FOR BENCHMARKING AND FAIR LENDING ANALYSIS) THE RACESTIMATOR (USES SURNAME DATABASE AND MODELS TO CODE RACE IN RECORDS WHERE IT IS UNKNOWN) ComplianceTech Transforming data into compliance management information ComplianceTech studies the processes and relationships of people, information technology and regulatory compliance associated with housing and credit programs. Our strength has been identifying regulatory compliance issues in lending and devising high-tech and innovative solutions to study and monitor them. Our research studies, process and data analyses and technological approaches allow clients to formulate sound program policies and better position themselves strategically and operationally. PRODUCTS & SERVICES EMERGING MARKETS ANALYSIS RESEARCH STUDIES STATISTICAL ANALYSIS & MODEL DEVELOPMENT DATA MINING RISK ANALYSIS MARKET RESEARCH DATABASE SERVICES sponsor of the Mortgage Lending Industry STRATEGIC EMERGING MARKETS AND DIVERSITY CONFERENCE 2120 Washington Blvd. • Arlington, VA 22204 • www.compliancetech.com 1325 G Street, NW, Suite 500 • Washington, DC 20005 • www.compliancetech.com Contact: jourdainearl@compliancetech.com Contact: jourdainearl@compliancetech.com
Page 1 and 2: Co-Event Sponsors Gold Sponsor Silv
Page 3 and 4: Fourth Annual Mortgage Lending Indu
Page 5 and 6: Monday, October 6, 2008 Fourth Annu
Page 7: TAB SPONSORS
Page 11 and 12: ��
Page 13 and 14: HELP YOUR CLIENTS GET THE MORTGAGE
Page 15 and 16: HMDA Data Mining for CRA and Minori
Page 17 and 18: The Demographic Impact of the Subpr
Page 19 and 20: Index of Tables Table 1: Loan Type
Page 21 and 22: Purpose The purpose of this study i
Page 23 and 24: Subprime Rate Loans And The Current
Page 25 and 26: Subprime Rate Loans And The Current
Page 27 and 28: Summary Of Findings • The overall
Page 29 and 30: Highlights Of 2004-2006 Subprime Ra
Page 31 and 32: Highlights Of 2004-2006 Subprime Ra
Page 33 and 34: Distribution Analysis Of 2006 Subpr
Page 47 and 48: Conclusion About The Author maurice
Page 49 and 50: Successful Sales Tools for Loan Ori
Page 51 and 52: TAB WELCOME ADDRESS
Page 53 and 54: John A. Courson John A. Courson is
Page 55 and 56: Why Diversity is Important to the M
Page 57 and 58: STACEY D. STEWART Chief Diversity O
Page 59 and 60:
Terri J. Fowlkes Terri J. Fowlkes i
Page 61 and 62:
The First American Corporation Depl
Page 63 and 64:
What is Supplier Diversity at First
Page 65 and 66:
DIVERSITY Transformation Over Time!
Page 67 and 68:
Developing a Winning Diversity Busi
Page 69 and 70:
Know the Facts � Minority groups'
Page 71 and 72:
Data Sources -- Building The Case R
Page 73 and 74:
Example: Relevant Marketing Collate
Page 75 and 76:
Diversity and Inclusion in Mortgage
Page 77 and 78:
Our Commitment to Diversity and Inc
Page 79 and 80:
Page 81 and 82:
Page 83 and 84:
Our Commitment has resulted in this
Page 85 and 86:
Recruiting Diverse Talent - a Criti
Page 87 and 88:
Finding Experienced Diverse Sales P
Page 89 and 90:
Best Practices in Recruiting Divers
Page 91 and 92:
Thank you John Browning Area Sales
Page 93 and 94:
Confidential - Copyright © Citi 20
Page 95 and 96:
• Mortgage Market Dislocation •
Page 97 and 98:
1. Dedicated / Focused / Diverse St
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• GSEs • MI Companies • Non-P
Page 101 and 102:
• Access • R-HOME • Home Run
Page 103 and 104:
TAB IMPACT OF HOUSING LEGISLATION
Page 105 and 106:
Michael Taliefero Michael Taliefero
Page 107 and 108:
Tim Doyle is a Vice President of In
Page 109 and 110:
Housing and Economic Recovery Act o
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• Adds energy efficiency and hist
Page 113 and 114:
Emergency Assistance for the Redeve
Page 115 and 116:
Key Provisions for HFAs FHA Moderni
Page 117 and 118:
Mission Improvement • Requires th
Page 119 and 120:
Key Provisions for HFAs HOPE for Ho
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Mortgage Foreclosure Protections fo
Page 123 and 124:
Key Provisions for HFAs Housing Tax
Page 125 and 126:
SUMMARY OF H.R. 3221 - THE HOUSING
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terms, conditions as the Secretary
Page 129 and 130:
H.R 3221 DIVISION A - TITLE II - FE
Page 131 and 132:
H.R. 3221 DIVISION A - TITLE IV - H
Page 133 and 134:
H.R. 3221 DIVISION A - TITLE V: S.A
Page 135 and 136:
esidential mortgage loan originator
Page 137 and 138:
H.R. 3221 -DIVISION B - TITLE II -
Page 139 and 140:
exempt housing bonds that each stat
Page 141 and 142:
Transfer of funds appropriated to c
Page 143 and 144:
The Emergency Economic Stabilizatio
Page 145 and 146:
October 2008 Treasury must issue pr
Page 147 and 148:
October 2008 and other available pr
Page 149 and 150:
October 2008 foreclosure mitigation
Page 151 and 152:
October 2008 a bid regardless of an
Page 153 and 154:
preferred stock held by the financi
Page 155 and 156:
October 2008 Sec. 504. Income avera
Page 157 and 158:
Licensing Standards: All state-lice
Page 159 and 160:
Federal Banking Agencies/Federal Fi
Page 161 and 162:
Increasing Transparency and Account
Page 163 and 164:
Housing Legislation in a Broader Co
Page 165 and 166:
Impact of Market Challenges • Liq
Page 167 and 168:
Components of HERA • FHA Moderniz
Page 169 and 170:
Wells Fargo’s Long-term Commitmen
Page 171 and 172:
Other HERA Provisions Hope for Home
Page 173 and 174:
Questions? Tom Goyda Wells Fargo Ho
Page 175 and 176:
Sponsored by: Diversity Luncheon 11
Page 177 and 178:
Market Psychology around Homeowners
Page 179 and 180:
Mortgage Strategic Markets & Divers
Page 181 and 182:
Share Foreclosures by Loan Type Pro
Page 183 and 184:
Q2-2008 Prime ARM Foreclosure Start
Page 185 and 186:
Foreclosures in “Sand” States A
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Foreclosures in “Sand” States S
Page 191 and 192:
Change in Number of Owner- and Rent
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77 76 75 74 73 72 71 98 Homeownersh
Page 195 and 196:
Changing the Market Psychology arou
Page 197 and 198:
The Truth about Foreclosures • Pe
Page 199 and 200:
The Truth about Mortgage Securitiza
Page 201 and 202:
What has the Credit Panic Done to t
Page 203 and 204:
80% 75% 70% 65% 60% 55% 50% 45% 40%
Page 205 and 206:
Rank 1 2 3 4 5 6 7 8 9 10 11 12 13
Page 207 and 208:
Left Us with ‘Super 4’ Mortgage
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Are Declining Markets Underwriting
Page 211:
Changing the Consumer Psychology Ar
Page 214 and 215:
Perceptions p • During g an other
Page 216 and 217:
11,400,000 400 000 1,200,000 1,000,
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$250,000,000 $200,000,000 $150,000,
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Perceent 60.00 50.00 40.00 30.00 20
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700,000 600,000 500,000 400,000 300
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Percent 50.00 45.00 40.00 35.00 30.
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45.00% 40.00% 35.00% 30.00% 25.00%
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Reality 2004 2004-2007 2004 2007 20
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40.00% 35.00% 30.00% 25.00% 20.00%
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Reality 2004 2004-2007, 2004 2007,
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• While many conservatives believ
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TAB TRENDS IN LOSS MITIGATION
Page 238 and 239:
Patrick Carey Chief Executive Offic
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TAB NON PROFIT’S ROLE IN EARLY IN
Page 242 and 243:
Larry L. Gilmore 5502 Willow Grove
Page 244 and 245:
2007….What Happened? � Lack of
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2,500,000 2,000,000 1,500,000 1,000
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HOPE NOW Alliance Membership Counse
Page 250 and 251:
Borrower Outreach Letters � Servi
Page 252 and 253:
Date Cities State Servicers Borrowe
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HOPE Hotline...888-995-HOPE � Nat
Page 256 and 257:
HOPE NOW Results � Since July 200
Page 258 and 259:
Percent Increase in Loan Modificati
Page 260 and 261:
TAB RESPONSIBLE SUSTAINABLE LENDING
Page 262 and 263:
Ernest E. Baskette, Jr. Mr. Baskett
Page 264 and 265:
Shelley Metz-Galloway Vice Presiden
Page 266 and 267:
What is… “the art of influencin
Page 268 and 269:
Wells Fargo Our Commitment is Past,
Page 270 and 271:
Wells Fargo Sustaining the History
Page 272 and 273:
Why Responsible Lending? Responsibl
Page 274 and 275:
Thank you Shelley Metz-Galloway Vic
Page 276 and 277:
What is Self-Help? • Self-Help is
Page 278 and 279:
www.self-help.org 4 4
Page 280 and 281:
Lease-Purchase Mortgage Product �
Page 282 and 283:
Lease-Purchase Pilot Structure Loan
Page 284 and 285:
Pilot in Peachtree Hills, Charlotte
Page 286 and 287:
Peachtree Hills - Foreclosure Distr
Page 288 and 289:
Homes are still in decent shape Exp
Page 290 and 291:
Supportive Services • Homebuyer c
Page 292 and 293:
4 th Annual Mortgage Lending Indust
Page 294 and 295:
MLI Emerging Markets and Diversity
Page 296 and 297:
A new, innovative, comprehensive an
Page 298 and 299:
Page 300 and 301:
Page 302 and 303:
Page 304 and 305:
Page 306 and 307:
Tactics and Strategies to Preserve
Page 308:
TAB BEST IN INDUSTRY DINNER
Page 311 and 312:
FOR IMMEDIATE RELEASE Wednesday, Oc
Page 313 and 314:
Fourth Annual Minority Lending Awar
Page 315 and 316:
Affordable Housing, CRA & Strategic
Page 317 and 318:
Affordable Housing, CRA & Strategic
Page 319 and 320:
What is ACCESS? Standard First Mort
Page 321 and 322:
Create a Competitive Edge • Secon
Page 323 and 324:
Leverage MI to Create a Competitive
Page 325 and 326:
ACCESS is Easy for You and Your Cus
Page 327 and 328:
Questions: National Homebuyers Fund
Page 329 and 330:
Town Hall Meeting: Consumer Protect
Page 331 and 332:
Lori Jones Gibbs Lori Jones Gibbs i
Page 333 and 334:
Stella Adams Stella Adams is the fo
Page 335 and 336:
Maria Kong Maria Kong has been a dy
Page 337:
Strategic Markets and Diversity Con
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