Start Date: 3/10/2026 11:00 AM EDT
End Date: 3/10/2026 12:00 PM EDT
Organization Name:
MBAMW
Contact:
Join Dr. Adam H. Gailey, PhD, for a presentation and discussion on mortgage market and consumer shopping trends. The data-driven presentation will provide overview of mortgage market conditions and trends using the Home Mortgage Disclosure Act (HMDA) data, the National Survey of Mortgage Originations (NSMO), data from Fannie Mae and Freddie Mac, and key macroeconomic indicators. It will examine recent trends in mortgage originations, borrower characteristics, and product mix, and will highlight how consumers are shopping for and selecting mortgages based on the latest available data. The session will also connect these patterns to broader economic developments, including interest-rate movements, housing costs, and household financial conditions, to offer a data-driven picture of how the market is evolving.
Members: FREE
Non-members: $25
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Dr. Adam Gailey has over 10 years of experience in financial services litigation and regulatory compliance. He has worked extensively on issues related to fairness in mortgage lending and the potential for disparate impact when using machine-learning models and alternative data. Dr. Gailey has substantial experience in indirect auto finance and the Bayesian Improved Surname Geocoding (BISG) method of proxying race and ethnicity for both financial companies and auto dealerships.
He has assisted banks and other financial institutions prepare for federal fair lending exams or responding to enforcement actions by performing statistical reviews of underwriting, pricing, and redlining. He has also performed fair lending reviews for FinTech clients including reviews of business practices, model development, and the disparate impact of Artificial Intelligence (AI) and traditional models. In addition to his fair lending work, which spans across consumer credit products, Dr. Gailey has provided analyses of deposit account transaction data, overdraft activity, and false claims and valuation matters. His work is often used in class-action lawsuits, CFPB and other federal regulatory investigations, and in response to State’s Attorneys General investigations.
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