The Current Mortgage Landscape and Preparations for the Future in Credit

June 18, 2024 - 2 PM EST

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About the Webinar

As an economic indicator, discover how FICO® Score trends are signaling the state of the U.S. consumer and broad economy. Hear from our industry experts about influences on 2024 including credit constraints, inflation, regulations, leverage ratios, and how elevated interest rates may degrade consumption. Find out the latest data and statistics on credit decisioning scores including interval score distribution specifically for mortgage originations, improvements in approvals without adding additional risk. 

Key Takeaways: 

  • Leverage trends and data analytics to discuss and consider how mortgage rates, volumes, and economic indicators may impact the lending continuum. 
  • Learn proven tactics to advance homeownership, ensure lending affordability, and mitigate credit risk in the face of continued uncertainties.
  • Find out more about how to utilize the most up-to-date scoring models and how new interactive digital tools are at your fingertips to drive towards accelerating this process.

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Presented By

Devin Norales
Devin Norales

Director for the Mortgage and Capital Markets | FICO® Score

Devin Norales is a Director for the Mortgage and Capital Markets team in FICO’s Scores division. He has extensive knowledge in the mortgage Secondary and Capital Markets space. He will work with mortgage investors including broker dealers to help drive the adoption of all FICO’s products including FICO’s latest score 10 T.  

Before joining FICO, Devin led a capital markets team for a mid size lender focusing on trading, hedging interest rate risk and loan execution. While at this Premier Lending Devin helped foster relationships with Fannie / Freddie while also building out a sizeable servicing portfolio.  Prior to making the move to Premier he helped lead a risk management system migration for Cardinal Financials’ 2 billion dollar pipeline in addition to leading their asset sales team. He started his career at Movement Mortgage working with their finance team before transitioning to a secondary role that included managing their lock desk and eventually trading / hedging their pipeline while they experienced significant growth. Devin holds a B.S.B.A. in Finance from the University of North Carolina Charlotte. 

Gigi Ligons
Gigi Ligons

Director, Scores Client Services | FICO® Score

Gigi Ligons, Director and subject matter expert in the FICO Scores group, works with lenders and industry professionals to help them understand, evaluate, and use FICO® Scores. Within the team, Gigi’s key focus areas include delivering FICO® Score training and deploying FICO® Score solutions, services, and education for over 120 mid-tier clients.   

Gigi brings to the team over 14 years’ experience in financial services from institutions including MetLife, Bank of America, Wachovia, First Union, and Washington Mutual, along with an entrepreneurial acumen from her experience as a management consultant with organizations and business leaders throughout the U.S.  

She has a Bachelor of Science in Business Management, and a Master of Business Administration, and considers herself a lifelong learner who consistently seeks opportunities to learn something new.