Mark McArdle is the Assistant Director, Mortgage Markets at the Bureau. In this role he leads a team that works closely with industry and other stakeholders to help inform the Bureau and the public on current and future trends in the mortgage origination and servicing markets.
Before CFPB, McArdle was the Deputy Assistant Secretary for Financial Stability at the U.S. Department of the Treasury. In this role, he led the office that managed the Troubled Asset Relief Program (TARP), including its remaining investment and homeownership preservation programs, and advised the Department on access to credit issues. He also held previous roles at Treasury including Chief Homeownership Preservation Officer and Director of the Hardest Hit Fund. McArdle has played a key role in policy development for the Home Affordable Modification Program (HAMP), and oversaw the creation of the Hardest Hit Fund, which provided funding to state housing finance agencies (HFAs) for foreclosure prevention efforts.
McArdle has a Master’s degree in Urban and Regional Planning from the University of Wisconsin, and has spent twenty years working on issues related to housing, mortgage lending and homeownership in nonprofits and government in Chicago, New York and Washington, D.C.
Srijana Giri is a Product Owner and Senior Director of Loan Products in the Freddie Mac Single-Family Acquisitions Division. She is responsible for Single-Family’s Credit and Capacity offerings that affect or are provided to mortgage borrowers, including the enhancement of existing loan products and the creation of new ones to drive access to homeownership. Ms. Giri leads strategy for Acquisitions through the ideation, design and implementation of sustainable and scalable mortgage loan products that meet borrower needs and are consumable through our lenders and partners.
Prior to this role, Ms. Giri was responsible for driving innovation activities that support Freddie Mac’s Automated Underwriting Risk Assessment, Loan Product Advisor® (LPASM) and Asset and Income Modeler (AIM) tools with partners and clients. Ms. Giri has more than 15 years of experience in the mortgage and housing industry, spanning origination, risk, IT solutions and innovation. Before joining Freddie Mac in 2015, she held positions implementing software solutions in the healthcare, education and mortgage industries.
She holds an MBA and an undergraduate degree in computer science. Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.
Jodi Eberhardt is a Project Management Senior Director focusing on Seller Strategy and Optimization in the Seller Engagement organization within the Freddie Mac Single-Family Acquisitions Division. She consults with strategic business partners to improve business outcomes by integrating Freddie Mac technology into lender processes and systems.
Ms. Eberhart has nearly 25 years of experience across all channels of the residential mortgage industry. Prior to joining Freddie Mac in 2016, she consulted as a business architect to drive process improvement, technology innovation and cost reduction initiatives.
She holds an MBA in information technology from the University of Minnesota Carlson School of Management and a Bachelor of Science in math, with a minor in business administration, from Drake University.
Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog FreddieMac.com/blog.
Janet is a marketing research and strategic insights executive with extensive experience in the technology, B2B media, healthcare, financial and professional services industries. Her ability to apply a variety of research approaches to strategic business problems has resulted in the delivery of impactful, innovative research programs for a long roster for global Fortune 1000 companies. Previous to her role as VP of Research at Arizent, Janet served as the General Manager/SVP Research at IDG and the head of Market Insights for HIMSS, a nonprofit in the healthcare space. Her passion is storytelling with data, leveraging research to fuel data-driven strategic decision making and thought leadership content. She holds a B.S. degree from Alfred University, and an MBA degree from the Franklin W. Olin Graduate School of Business at Babson College.
Since arriving at Guaranteed Rate in 2010, Jeremy Collett has demonstrated a capacity to combine deep industry knowledge with bold financial decision-making, helping fuel the company’s rise within the mortgage industry. As Chief Capital Markets Officer, Collett leads a team of experts through the challenging terrain of trading, securitization, interest rate risk management, product development, portfolio management, and investor relations. Previously, Mr. Collett served as Managing Director, Capital Markets at Pennymac. Mr. Collett received a BA in Economics from the University of Florida and is the proud father of Breckin and Sutton. An avid saltwater fisherman, Mr. Collett enjoys spending time around the mangrove islands in the Gulf of Mexico where he grew up. Jeremy is also a guitarist, drummer, golfer, and a die-hard supporter of the Florida Gators. His wife, Amy, is also in the mortgage industry.
Chad Smith is the President and Chief Operating Officer of Better (NASDAQ: BETR), a leading digital mortgage company on a mission to make homeownership faster, cheaper, and just plain better for all Americans. Since its founding in 2015, Better has originated over $100 billion in home loans, more than $38 billion in insurance, and over $3 billion in real estate transactions, all entirely online.
A seasoned veteran in the direct-to-consumer mortgage industry, Chad holds over 20 years of experience building lead routing strategies and partnerships for distributed retail, recapture, and MSR ownership. Prior to Better, Chad served as the Chief Executive Officer of Mission Loans, a customer and partner-centric mortgage company. He has held leadership roles at lenders including Executive Vice President of Consumer Direct and Portfolio Retention at Caliber Home Loans, a full service national mortgage originator, President of Direct Lending at loanDepot, one of the nation’s largest non-bank retail mortgage lenders, and Senior Vice President of Production at LendingTree Loans. LendingTree Loans was eventually acquired by Discover Home Loans, where Chad oversaw mortgage production for Discover’s entrance into the mortgage business.
Jason Bressler is UWM’s Chief Technology Officer. He has been with the company since 2016 and is responsible for leading a team of over 1500 IT professionals. With more than two and a half decades of IT experience in the mortgage banking industry, Jason excels in application development and enterprise implementation and scaling. He is constantly developing intuitive technology platforms that help both UWM team members and applications, and independent mortgage brokers grow their businesses. Under Jason’s leadership, UWM has developed the tools and platforms clients need to grow quickly, efficiently and with scale. Prior to joining UWM, Jason served on multiple mortgage and CIO advisory boards and held positions as Chief Technology Officer for The Federal Savings Bank and Chief Information Officer for Guaranteed Rate. He was named a 2021 HousingWire Tech Trendsetter and was recognized as a HousingWire Vanguard recipient in 2018. Jason earned his bachelor’s degree from Eastern Michigan University.
Founder of The Basis Point®, a sales & strategy consultancy to banks, lenders, and fintechs – and a smart, fun financial media brand. We advise top companies in the space, and cut through the consumer finance, real estate, and fintech clutter to deliver sharp insights that consumers get and pros respect.