Daniella Casseres serves on Mitchell Sandler’s management committee and leads the firm’s mortgage regulatory practice group. She advises mortgage lenders, financial institutions, and consumer finance companies on regulatory compliance and enforcement matters, bringing the insight of a former banking regulator at the Federal Reserve Bank of Chicago to her work. As the head of Mitchell Sandler’s mortgage practice group, she regularly counsels clients on state and federal laws relating to fair lending, advertising, licensing, and privacy. She has particular experience helping mortgage lenders and others comply with the requirements of the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Fair Housing Act, the Fair Credit Reporting Act, the Bank Secrecy Act, and state regulatory requirements.

Bill Cosgrove is the Owner and Chief Executive Officer of Union Home Mortgage (UHM) and partner, Co-Chairman of the Tampa Bay Rays.
Bill has enjoyed a storied career as an industry leader and advocate for the mortgage industry. He began his career in mortgage banking as a residential loan officer in 1986, and after consistently outperforming his peers, he developed a reputation as a “go-to” loan officer in Northeast Ohio.

Bill joined Union Home Mortgage Corp. in 1994, and through his successes, was eventually named President of the firm in 1998. In 2000, he purchased the organization, becoming the sole owner, and since then, he has led the company in its growth from humble Cleveland beginnings to national acclaim, with an award-winning workplace culture and outstanding business performance. Under his ownership, loan production at UHM has grown over 5000%, reaching $15.7 billion in 2021. Bill maintains his designation as a Certified Mortgage Banker (CMB), a testament to his dedication to the mortgage industry. Bill has always maintained a firm belief in the American dream of homeownership being accessible to all, and his advocacy and voice are making an impact across the mortgage industry.

Garth Graham provides strategy advice for some of the largest Independent and Bank-owned mortgage lenders. Garth has more than 35 years of experience in mortgage banking, ranging from Fortune 500 companies to successful startups, including management of two of the most successful e-commerce platforms. Garth has advised more than 200 mortgage companies, including many of the top lenders in the country, on acquisition strategies, and strategic investments that streamline operations, improve profitability, and accelerate growth.

Joel Kan, CMB, serves as Vice President, Deputy Chief Economist for the Mortgage Bankers Association. In this role, he is responsible for MBA’s macroeconomic and housing market forecasts and oversees the production of MBA’s industry surveys, including the Weekly Mortgage Applications Survey, Builder Applications Survey, and Mortgage Credit Availability Index. Mr. Kan is a frequent speaker on the economy and housing market at MBA and industry events, and is quoted regularly in national, local and industry media outlets.

In June 2026, Kan received the Certified Mortgage Banker (CMB) designation, awarded to industry professionals who have demonstrated exceptional professionalism, knowledge, and commitment to residential mortgage banking.

Prior to joining the MBA, he worked in Ernst & Young’s Quantitative Economics and Statistics (QUEST) group. He holds a B.Sc. in Economics and Statistics from the University of Michigan, Ann Arbor.

Ari Karen, Partner at Mitchell Sandler, leads the firm’s litigation, labor and employment practice group. Ari represents businesses and financial institutions in litigation matters, government investigations, and advises clients on regulatory compliance matters. He is widely praised for his business-friendly style of representation that combines aggressive advocacy with a sensitivity to practical business considerations. Ari’s approach looks at the impacts of legal strategy in real life scenarios, allowing his clients to remain both compliant and competitive. His practice is diverse, covering subject matters including banking regulations, consumer protection regulations, Dodd-Frank financial reform laws, contractual disputes, employment and labor statutes, wage-hour class actions, employment discrimination and fair lending matters, whistleblower complaints, and non-competition claims.

Michael D. McAuley is a Principal of Garrett, McAuley & Co., a banking and mortgage banking consulting firm that “helps
lenders increase revenues, control costs, and better manage risk.” He managed the warehouse lending business for
Washington Mutual and JP Morgan Chase and was formerly in mortgage banker finance at Bank United of Texas.

Mike provides consulting services to mortgage bankers, regulators, and other industry professionals. He is a graduate of Georgetown University.

Tricia Migliazzo is Senior Vice President of Lenders One Sales. Tricia has over two decades of mortgage banking experience, she leads the company’s membership sales and marketing for Lenders One and its origination solutions. Prior to joining Lenders One in 2021, Tricia served as Vice President of Membership at the Mortgage Bankers Association for 8 years. She developed a member engagement strategy and formed and lead a Strategic Member Relations team that developed, strengthened, and managed relationships with senior executives at the Association’s member companies to maximize the value of their MBA membership. She grew the association with an impressive addition of nearly 750 member companies in her tenure.

Prior to joining MBA, Tricia served for seven years as Director of Business Development for Lenders One/Altisource Portfolio Solutions. During her leadership, she grew the cooperative by recruiting 50% of its total membership and adding investor partners while influencing program and product utilization for increased revenue growth. Prior to joining Lenders One in 2006, Tricia was Director of Operations/Business Development at a mid-size national retail independent mortgage bank, and she also held positions in finance and administration in the health care industry. She has a Bachelor of Science in Business Administration degree with a focus in Management from the University of Missouri.

Scott Olson is the Executive Director of the Community Home Lenders of America (CHLA). Scott has over 20 years experience working on Capitol Hill, 15 of which he served on the House Financial Services Committee, where he held a title of Housing Policy Director. He worked extensively on housing finance issues, including GSE reform, FHA legislation, mortgage regulations, and mortgage servicing issues. Scott also has six years experience in the private sector as a public finance investment banker and four years experience in commercial real estate finance and investments.

Bill Packer is Longbridge Financial’s Chief Operating Officer. During his nearly 4 decade career, Bill has worked at institutions ranging from large Fortune 50 companies to small and mid-sized players. Bill has served on several advisory boards, including Snapdocs, Flatworld Mortgage Solutions, Ellie Mae Technology, and the Rutgers University Customer Experience program, and currently serves on the Small- and Mid-Sized Customer Advisory Council for Salesforce. When not working, you can find him volunteering at the New York Aquarium.

Terry L. Schmidt is the Chief Executive Officer and a Director of Guild Holdings Company. Since joining Guild in 1985, she has held multiple leadership roles and became CEO in 2023. Terry helped lead Guild’s management buyout in 2007, its public offering in 2020, and the company’s growth from $1 billion to $30 billion in annual production, while expanding the servicing portfolio from $2 billion to $100 billion. She developed Guild’s M&A strategy, completing six major acquisitions since 2021, and most recently led Guild’s acquisition by Bayview Asset Management, creating a strategic partnership that further strengthens Guild’s long-term growth platform. She serves on the Guild Giving Foundation board, is active in the MBA and California MBA, and is a Certified Mortgage Banker with a BBA in Accounting from the University of San Diego.

Rick Seehausen is President of Lenders One. In this role, Rick leads the strategic direction and day-to-day operations of Altisource’s Origination segment, including the delivery of Altisource’s direct origination solutions through the Lenders One brand, alongside a growing ecosystem of integrated solutions. This model is designed to provide Lenders One members with a single, trusted access point to technology, services, and strategic providers that help improve members’ competitiveness. He also works closely with Altisource’s executive leadership to support the Company’s strategic direction and long-term growth.

His focus includes strengthening Lenders One’s value proposition for its members, growing Lenders One membership, increasing adoption of solutions, and launching new solutions that address the evolving needs of mortgage lenders.

Rick brings more than three decades of experience in mortgage banking, capital markets, and corporate leadership. Throughout his career, he has held senior executive roles across the mortgage industry, where he has been recognized for building high-performing teams, driving operational discipline, and fostering strong, collaborative relationships with lenders and industry partners. Most recently, he served as President, Chief Operating Officer, and Vice Chairman of Cherry Creek Mortgage. Prior to that, he served as co-founder, President, Chief Executive Officer, and Vice Chairman of LenderLive.

With extensive experience in mortgage banking and mortgage servicing, Seth Sprague, CMB, leads the firm’s Mortgage Banking Consulting Services practice. He also serves as a strategic leader for the entire Richey May suite of services, including profitability and operational reviews, strategic planning, mortgage servicing rights (MSRs) strategy, retained versus released and cash flow optimization.

Drawing on more than 25 years of mortgage banking and mortgage servicing experience, Seth has invaluable expertise and a holistic perspective on the intersection of policy with economic and market conditions and its impact on the mortgage ecosystem. His in-depth background in mortgage strategy, profitability and operations comes at a critical time for our mortgage clients as they continue to navigate the industry’s dynamic environment. Seth is committed to making a positive impact on the mortgage banking and real estate finance industry by being actively involved in key associations and industry events. A sought-after speaker, he often speaks on liquidity and the overall challenges in the mortgage industry.