Mortgage Banker of the Year Award Bryan May, Century Mortgage
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1 MBA of the Bluegrass Holiday Party & Program Recap It was a good night for a party! After experiencing several cold, gray days, December 11th proved to be a nice, late fall evening. It was also a time to recognize and thank many members who have gone above and beyond. Abdul Muhammad, the outgoing MBA of the Bluegrass President, expressed his appreciation for the 2018 board of directors, and the gavel was passed to incoming 2019 President, Jason Heflin. Both Jason and Abdul encouraged all of the guests to actively participate in the activities of the MBA of the Bluegrass. The MBA of the Bluegrass wants to especially thank the sponsors: Title Sponsor, King Financial Repair; Affiliate of the Year Award, Movement Mortgage; and Mortgage Banker of the Year Award, Rainbow Title. Below are some pictures from the party. Mortgage Banker of the Year Award Bryan May, Century Mortgage From left: Racee Greene, Century Mortgage, Cathy May, Bryan May, Abdul Muhammad, WesBanco
2 Affiliate of the Year Award Don B. White, Attorney at Law From left: Cathy White, Don White, Abdul Muhammad Page 2
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5 MBA of the Bluegrass December 2018 Page 5
6 MBA of the Bluegrass Production Awards for 2018 As a result of bylaw changes approved by the MBA of the Bluegrass in 2017, we will soon be collecting information for the upcoming Annual MBA Awards at the conclusion of the 2018 calendar year. Nominations and supporting documentation will be collected by the end of January 2019, and an awards dinner will be held in February where awards will be presented in the following categories: Highest Production Dollar Volume-Depository Institution Highest Production Dollar Volume-Non-depository Institution Highest Production Number of loans-depository Institution Highest Production Number of loans -Non-depository Institution Three awards will be given in each category, for First, Second, and Third place winners for a total of twelve winners annually. An originator is allowed to win both the Dollar Volume and Number of Loans categories; however, the award must be for individual production, not production as part of a production team. An application will be sent to the Production Manager or appropriate designee in late December or early January for nominations. Please note, if your manager does not typically receive communications from the MBA of the Bluegrass, we need that contact information in order to send the application to the appropriate person within your organization. All applications must be returned by COB January 31, 2019 in order to be considered. Completed applications should be sent to Jason Heflin at JHeflin@loandepot.com. Applications will be reviewed by an independent committee of the Board of Directors. Should you have any questions, please contact the MBA of the Bluegrass mailbox at mbabluegrass@gmail.com. Page 6
7 MBA of the Bluegrass December 2018 Page 7
8 Save the Date! mpower is excited to invite you to a special event on Thursday, March 21st that will be co-hosted by the Kentucky and Indiana Mortgage Bankers Associations. This halfday program, 10:00AM Eastern - 2:30PM, is open to everyone in real estate finance and will present challenges and solutions in today's workplace and share insights for what it takes to lead in the mortgage industry! Expect to leave with: new perspectives, personal and career advice, new relationships, and best practices to help you excel! The site of our event is the Harrison Lake Country Club in Columbus, Indiana, 'nestled in the rolling hills of South Central Indiana (approximately 65 miles north of Louisville), and overlooking beautiful Harrison Lake! Harrison Lake Country Club 588 S Country Club Rd Columbus, IN Registration for this event will open up early in 2019! Sponsorship opportunities are being worked on and are expected to be finalized shortly Page 8
9 MBA of the Bluegrass December 2018 Welcome New Members! Please visit the MBA of the Bluegrass website directory for contact information. Remember, members do business with members. Page 9
10 2019 MBA of the Bluegrass Inc. Board Officers President Jason Heflin, (859) , President Elect Tyler Gossett, (859) , Secretary Brad Howard, (859) , Treasurer Mitch Florence, (859) , Past President Abdul Muhammad, (859) , 2019 Membership Renewals Membership renewal packets were mailed to 2018 members the end of November. Included in the packet were the President s Letter by President, Jason Heflin, the invoice for $325, the membership renewal form, and a roster of members that we currently have on file for each firm will be an exciting year so you won t want to miss it! If, for some reason, your firm didn t receive a packet please let us know by ing mbabluegrass@aol.com. Just mail the renewal form, check, and any roster changes to: MBA of the Bluegrass PO Box 1054 Lexington KY Thanks! Looking for Members! Do you know a bank, an attorney, a title company, an insurance company, or mortgage lender who should be a member of the MBA of the Bluegrass??? Please be inviting! Contact any of the board members listed on the website. Page 10 Page 10
11 MBA of the Bluegrass 2019 Board Officers and Directors Board Officers Jason Heflin President, loandepot, LLC* Tyler Gossett President Elect, Fifth Third Mitch Florence Treasurer, City National Bank Brad Howard Secretary, PNC Mortgage Abdul Muhammad Immediate Past President, WesBanco Bank Directors Brenda Weaver ehome Network* Tim Vaughan Supreme Lending* Bryan May Century Mortgage Company Alison Sheshull Bluegrass Land Title LLC Sherri Wagerman MGIC Wayne Thompson Bankers Mortgage Consulting* Marcie Morris Kentucky Housing Corporation Elke White PNC Mortgage Ryan McCord Ryan McCord Insurance-KY Farm Bureau Mat Hulberg Jett Title *Past Presidents Page 11
12 Title: Mortgage Applications Decrease in Latest MBA Weekly Survey Source: MBA Date: December 19, 2018 Contact: Adam DeSanctis WASHINGTON, D.C. (December 19, 2018) - Mortgage applications decreased 5.8 percent from one week earlier, according to data from the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey for the week ending December 14, The Market Composite Index, a measure of mortgage loan application volume, decreased 5.8 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index decreased 7 percent compared with the previous week. The Refinance Index decreased 2 percent from the previous week. The seasonally adjusted Purchase Index decreased 7 percent from one week earlier. The unadjusted Purchase Index decreased 10 percent compared with the previous week and was 2 percent higher than the same week one year ago. "Despite mortgage rates falling across the board last week to their lowest levels in three months, mortgage applications also declined, as more potential borrowers likely stayed away because of ongoing financial market volatility and economic uncertainty," Joel Kan, MBA's Associate Vice President of Economic and Industry Forecasting. "Purchase applications decreased almost seven percent over the week and refinances decreased around two percent, led by a larger decline in government refinances compared to conventional refinances." Added Kan, "With rates continuing to slide lower, refinance borrowers with larger loan balances seemed more apt to take action. The average loan balance for refinance loans increased to its highest level since September 2017." The refinance share of mortgage activity increased to 43.5 percent of total applications, its highest level since February 2018, from 41.5 percent the previous week. The adjustable-rate mortgage (ARM) share of activity increased to 7.9 percent of total applications. The FHA share of total applications decreased to 10.4 percent from 10.8 percent the week prior. The VA share of total applications decreased to 9.9 percent from 10.2 percent the week prior. The USDA share of total applications decreased to 0.6 percent from 0.7 percent the week prior. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($453,100 or less) decreased to its lowest level since September 2018, 4.94 percent, from 4.96 percent, with points decreasing to 0.43 from 0.48 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The effective rate decreased from last week. The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $453,100) decreased to its lowest level since September 2018, 4.74 percent, from 4.80 percent, with points decreasing to 0.26 from 0.33 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week. The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA decreased to its lowest level since September 2018, 4.95 percent, from 4.97 percent, with points decreasing to 0.51 from 0.55 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week. Continued on page 13 Page 12
13 2018 Committees The next two pages have the committees for If you want to plug in and do more for the MBA of the Bluegrass please contact one of the board officers or committee chairs. Legislative Is responsible for reporting to the Board of Directors and the membership any current activity on local, state, or national legislative issues. Committee Chair Tim Vaughan, (859) , By-Laws/Ethics Reviews the by-laws and proposes any changes that are necessary. Responsible for inquiries or accusations against members and reporting to the Board of Directors their findings and recommendations. Committee Co-Chairs Brenda Weaver, CMB, (844) , and Sherri Wagerman, (502) , Finance Shall prepare a budget of the estimated income and expenses of the organization for the year. Committee Chair Tyler Gossett, (859) , tyler.gossett@53.com Membership In charge of recruitment and retention. They will devote their attention to the proper welcoming of new members and guests and to strive to encourage friendships among members. Committee Chair Abdul Muhammad, (859) , AMuhammad@wesbanco.com Affiliate Relations This committee is responsible for promoting and recruiting affiliate members to the organization. This involves planning and conducting special events for our affiliates. Committee Chair Alison Sheshull, (859) , alison@bluegrasslandtitle.com MBA News Continued from page 12 The average contract interest rate for 15-year fixed-rate mortgages decreased to its lowest level since September 2018, 4.37 percent, from 4.41 percent, with points decreasing to 0.37 from 0.44 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week. The average contract interest rate for 5/1 ARMs decreased to its lowest level since September 2018, 4.17 percent, from 4.24 percent, with points increasing to 0.42 from 0.34 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week. Page 13
14 2018 Committees Continued: Education/Programs This committee is responsible for organizing meetings, identifying location, scheduling speakers, and securing sponsorships for the events. Additionally this committee is responsible for arranging any special events like the golf outing and Christmas party. This committee selects topics, arranges dates/times, and secures speakers for Educational Roundtables to educate the membership. Committee Chair Jason Heflin, (859) , PR/Communications/Social Media Supplies monthly notices concerning the organization meetings and other interesting information of the membership to newspapers, radio and television stations. Committee Co-Chairs Jason Heflin, (859) , Wayne Thompson, Awards Committee Co-Chairs Wayne Thompson, and Brenda Weaver, CMB, (844) , Nominations Committee Chair Will Puckett, (502) , Important Websites to Know Mortgage Bankers Association of Louisville Mortgage Bankers of Kentucky The National Mortgage Bankers Association Mortgage Fraud Blog FBI Mortgage Fraud Page 14
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