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PODCAST

Talk Data To Me | Certified Credit

Certified Credit

Today’s mortgage industry is built on powerful data analytics and innovative solutions. From thriving through industry change to tackling new regulations, our new “Talk Data to Me” podcast brings experienced, FCRA expert-level knowledge to you in the car, on the road, or wherever you go. Listen as our team explains how to empower your mortgage lending practice and create a more profitable – data-driven – and efficient lending environment. Learn more and discover additional resources at

business management

All Episodes

00:28:19

Talk Data to Me: Experian Verify, Cascade VOE, & The...

Talk Data To Me | Certified Credit ·

2023/07/13

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 Paul will cover: Different types of VOEs and the challenges they present lenders. Trends in VOE and

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00:29:15

Lending to Gig Workers, Self Employed, Independent...

Talk Data To Me | Certified Credit ·

2023/06/30

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 economy and its impact on the mortgage lending process with Jillian Sorensen, Vice President, Account

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00:49:12

Keys to the Future: Helping Gen Z Navigate the...

Talk Data To Me | Certified Credit ·

2023/05/18

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 National Account Manager atActiveComply. She shares her invaluable insights on how today's environment is

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00:51:58

Qualifying More Borrowers in Today’s Market [Episode 29]

Talk Data To Me | Certified Credit ·

2023/05/04

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 despite these industry trends. During this LIVE event, we: Explore the latest mortgage lending tools

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00:51:30

The Interplay Between Forbearance, Foreclosures, and...

Talk Data To Me | Certified Credit ·

2023/04/20

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 of forbearance agreements resulting from the pandemic and the interplay between foreclosures and

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00:31:48

Experience23 Recap: Automation, Technology, &...

Talk Data To Me | Certified Credit ·

2023/03/23

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 of transparency in mortgage manufacturing and how it can help homebuyers achieve their dream of

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00:18:10

PMI 2.0 with Susan Shaffer – PMI, LLPA, Credit, &...

Talk Data To Me | Certified Credit ·

2023/03/09

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 define PMI and debunk the myths surrounding it. We'll also dive into PMI pricing, what factors affect

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00:44:10

Finding Opportunity with Data-Driven Insights with...

Talk Data To Me | Certified Credit ·

2023/02/23

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 analytics to assess your local markets for homeownership gaps that lead to opportunity. · The impact of

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00:50:05

AI, Automation, & the Human Element with Jen Peachman...

Talk Data To Me | Certified Credit ·

2023/02/09

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 workflows and create a better borrower experience. Join Certified Credit’s Talk Data to Me podcast with

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00:50:53

Mitigating the Impact of Undisclosed Liabilities &...

Talk Data To Me | Certified Credit ·

2023/02/02

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 Manager at FirstFunding, Inc., and Paul Robinson, Vice President of Sales at Certified Credit. Throughout the

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00:29:07

Market Insights with Rob Chrisman [Episode 22]

Talk Data To Me | Certified Credit ·

2023/01/26

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 to talk about his inspiration for the daily newsletter, and how his cat, Myrtle, came to be a well know

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01:04:55

Supporting Our Borrowers [Episode 21]

Talk Data To Me | Certified Credit ·

2023/01/12

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 a different area of borrower support, from housing equity to empowering underserved communities to

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01:05:33

Home For the Holidays LinkedIn Event [Episode 20]

Talk Data To Me | Certified Credit ·

2022/12/29

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 Committee, Laird Nossuli of iEmergent, Gabe del Rio of Homeownership Council of America, and Marisol

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00:39:08

Tackling 2023 & Beyond with Kevin Peranio [Episode 19]

Talk Data To Me | Certified Credit ·

2022/12/13

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? During this episode of Talk Data to Me, our data nerds connect with Kevin Peranio, Chief Lending Officer at PRMG – exploring the

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00:36:36

Driving Innovation with Mortgage Lending Technology...

Talk Data To Me | Certified Credit ·

2022/12/01

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 Association’s Annual Conference (MBA Annual 22) in Nashville, TN. Our first guest is Suha Zehl, Founder of Z

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00:40:40

Market Updates, Tips for Success, Tricks for Quoting...

Talk Data To Me | Certified Credit ·

2022/11/17

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” episode, we revisit our conversation with industry thought leaders and experts at the Mortgage Bankers

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00:39:29

The Mortgage Lending Experience with Ashley Gravano...

Talk Data To Me | Certified Credit ·

2022/10/20

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, joins our Certified Credit Marketing Team, Nicole Mattiello and Alizabeth Leng-Barton, for a

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01:03:07

Talk Data to Me: Building Your Personal Brand & The...

Talk Data To Me | Certified Credit ·

2022/10/06

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 joins our Certified Credit Marketing Team, Nicole Mattiello and Alizabeth Leng-Barton, for a conversation

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00:51:01

Hispanic Homeownership with Dalila Ramos [Episode 14]

Talk Data To Me | Certified Credit ·

2022/09/22

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 influence of Hispanic Americans to the history, culture, and achievements of the US. To help us recognize this

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00:20:13

Workflow Efficiencies [Episode 13]

Talk Data To Me | Certified Credit ·

2022/09/07

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 Credit Reporting, Lead Generation, Undisclosed Debt Monitoring (UDM), and Verification of Employment (VOE)

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32 results

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