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A Look at the Industry's Best C ontinuing our annual tradition, this November MReport once again presents our annual list of the Top Companies in Mortgage & Servicing. We've put out this list for several years now, and it's always a pleasure, because it begins with you—our readers. Each year, we open a call for nominations, asking you to make the case for your own company and tell us what makes your place of business one of the best of the best. From employee perks to mentorship programs and charitable causes, it never fails to impress us just how passionate the industry can be when rooting for their teams to succeed. This year, we received such a strong crop of nominations, we decided we needed to think a little bigger. And so, while in past years we've done a Top 25 list, this year we expanded it to the Top 30 Companies in Mortgage & Servicing. Flip on into this month's book and you'll find profiles of our top 30 selections, with insights into why each company is a great place to work, testimonials from team members, and more. In our cover feature, "Risk Assessment's New 'Playing Field,'" representatives from American Pacific Mortgage, Cherry Creek Mortgage, Inlanta Mortgage, and more discuss how this year's health crisis has impacted underwriting and credit risk considerations. Next up, we bring you "The Key to Growth in a Post-Refi World" by William J. Tessar, President and CEO of Civic Financial Services. While refi rates have been a defining success this year, what happens when those trends change? In "The Time for the Next Mortgage Innovation Is Now," Andrew Weiss, VP, Platform Strategy at Origence, reveals that, after more than a decade of stagnation, lenders are ready for what's next. Finally, in "(Re)Capture the Flag: Mortgage Edition," Mike Eshelman, Head of Consumer Finance at Jornaya, examines why defending one's portfolio has become the single most important priority for servicers. Welcome to the November edition of MReport. David Wharton Managing Editor 2 | M R EP O RT MNOTES © 2011 First American Financial Corporation and/or its affiliates. All rights reserved. YOUR business is OUR business! First American Mortgage Services is laser focused on mitigating YOUR cost, risk and exposure by aligning our advanced solutions with YOUR strategic objectives and compliance needs. We are the New First American, over 120 years young, strong and financially secure. Insight | Innovation | Integrity First American Title Insurance Company and First American Mortgage Services make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. FIRST AMERICAN and FIRST AMERICAN TITLE are trademarks owned by First American Financial Corporation. 2 | Th e M Rep o RT Publisher Jon Ball contributing editor Abby Gregory online editor theMrePort.coM Ryan Schuette coPy editors Alison Rich emily White Youree heather hill contributors phil Britt Bob Calandra eric Fox Jack Konyk Mark Lieberman creative director Jason Stone art director Jonathan Won associate art directors Bruce Sons Chanyanont Loha-Unchit design director Sean Walker advertising Dina Duncan (214.525.6740) Jason Myers (214.525.6760) Andi Zimmerman (214.525.6724) technology Toby Tull Brandon Shangraw social Media Leon McKenzie Ani Vera circulation/corresPondence Celina Avila corPorate officers chairMan & chief creative officer chief executive officer Mark hulme edward R. Delgado business develoPMent Andi Zimmerman chief financial officer John harrison director of huMan resources ernest Gillespie director of oPerations Toby Tull account executives senior account executive Donna Lott (214.525.6792) sPonsorshiPs Jason Myers (214.525.6760) account executives Renee Charles (214.525.6742) Thomas Griffin (214.525.6754) Kristin Larson (214.525.6713) Ryan McLemore (214.525.6706) Marketing Travis Bogdon Matt hulme Production Kyle Curtis Miguel Martinez Christian McCrossan concierge Celina Avila art direction Jason Stone Sean Walker Jonathan Won No part of this publication may be reproduced without written permission from the publisher. ©2011 Reo publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. MReport strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. MReport does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials. FORDEFAULTSERVICINGPROFESSIONALS THEFIVESTARINSTITUTE Follow us. EDITOR-IN-CHIEF Rachel Williams MANAGING EDITOR David Wharton EXECUTIVE CREATIVE DIRECTOR Jonathon Won CREATIVE DIRECTOR Jason Stone REPORTER Christina Hughes Babb Cristin Espinosa ONLINE CONTRIBUTORS Chuck Green Andy Beth Miller CONTRIBUTORS Mike Eshelman Phil Hall William J. Tessar Andrew Weiss COPY EDITOR Brandy Scott ADVERTISING 214.525.6700 2019-2020 EDITORIAL ADVISORY BOARD Danielle Hale, Chief Economist, Realtor.com ® ; Ken Markison, Of Counsel, Weiner Brodsky Kider PC; Alex McGillis, Director of Product Development, Quicken Loans Erik Schmitt, Managing Director of Origination Division, Chase Home Lending; Rocky Stubbs, Managing Partner, Excelsior Dynamic Corporate Officers CHIEF EXECUTIVE OFFICER Todd Storch CHIEF FINANCIAL OFFICER Jonathan Hughes ART DIRECTION Jordan Funderburk, Jason Stone, Jonathon Won No part of this publication may be reproduced without written permission from the publisher. © 2020 Five Star Global, LLC. All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. MReport strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. MReport does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials.