Pephens & Co., Inc.                                                    ....charting your course through mortgage banking....

Committment to Real Estate Finance


PC is highly committed to the Real Estate Finance Industry.  This commitment is backed by 15 years of support to the mortgage banking industry, as follows:

®     California Mortgage Bankers Association:  Member of Board of Directors (2000-2009); Western States Secondary Marketing Conference Committee Member and Speaker (Since 1997); Secondary Marketing Committee (Since 2000); Conference Chair for the 2002-2004 Originators Conferences; Chairman, Moderator and Speaker for several Annual Technology Conferences; CMBA Technology Committee; and California Mortgage Bankers Association’s Compensation Survey (from 1991 to present).  Recent Presentations include:

  • 2009 Secondary Marketing Conference:  Panelist on “The Future of Retail Lending”
  • 2008 Secondary Marketing Conference:  “Advanced Hedging Strategies:  "Gain insight on the How’s, What’s and Why’s for implementing and managing effective secondary marketing hedging strategies” and “An Uninhibited Look at the Successes and Breakdowns of the Mortgage Banking Industry”

®     CMBA FoundationFounding Member of the Board of Directors and Treasurer (2004-Present).

®     Mortgage Bankers Association of America:  Financial Management Committee: Securitizations/Hedging; FASB Projects Task Force Member: Active participant in commenting and drafting responses to amendments of “Accounting for Mortgage Banking Activities”; and, the Uniform Single Audit Program Audit subcommittee.  Recent  Presentations include:

  • 2008 Annual Convention:  “Strategies for Growth - How to Expand Your Business Channels”
  • 2007 Secondary Marketing Conference:  “Loss Mitigation-The New Secondary Function”
  • 2007 Loan Production Conference:  “PPE / AU – Level the Playing Field and Increase Your Production”;
  • 2006 Annual Convention: “Cultivating Mortgage Lending Best Practices”
  • Prior to this PC presented for the MBAA at Financial Management Conferences regarding “Drivers of Financial Reporting,” “Managing and Preserving the Value of Your Mortgage Servicing Assets,” “Hedging Activities” and “Industry Overview and the Mortgage Banker’s Perspective.”; and, at the  Non-Conforming Credit Lending Conference - “Adding Long Term Strategic Value.” 

®     University of San Diego, Burnham - Moores Center for Real EstateElected member of the Residential Real Estate Committee.

®     Support to Other Organizations: Training developed by PC, sponsored by CMGMI for it’s Customers (in excess of 100 Credit Unions):  “Credit Unions Expanding Mortgage Lending through Secondary Market Activities”; Florida CUREN:  Presentation titled “Navigating through the Mortgage Markets”; ACUMA Fall Conference:  “Balancing Member Needs and Lending Programs”; Wescorp’s CU Outlook:  “New Opportunities for Credit Unions in the Mortgage Market”; CUNA Lending Council; Eastern, Pennsylvania and New Hampshire MBAs; Sponsored Round-table discussion with Big Six CPA firms regarding issues on Hedging Mortgage Servicing Assets; Seminar Series presented in conjunction with FNMA; Orange County Society of CPA's - Committee Chairman of the Financial Institutions Committee.

®     News and Media: PC has published over 70 Articles since 1995; has been a columnist for several monthly publications and is often sought out by the press for insight on industry issues.