Operational Breakout
Transforming Mortgage Lending:
From Credit Innovation to Appraisal Evolution
Wednesday, May 6, 2026
10:30 am - 12:00 pm
SPEAKERS AND TOPICS
Julie Huber
Executive Vice President of Integrated Sales
Xactus
From Insight to Execution: How Lenders Operationalize Modern Credit & Data
The mortgage industry is entering a new phase where expanded credit data, real-time insights, and alternative scoring models are more accessible than ever.
However, the challenge is no longer data availability it’s the ability for lenders to operationalize that data effectively within their workflows.
This portion of the session will focus on how lenders can bridge the gap between innovation and execution aligning credit strategy, technology, and operations to deliver faster, more intelligent, and more consistent loan decisions.
From a Xactus and Intelligent Verification Platform (IVP) perspective, we’ll explore how delivering the right data at the right time, combined with automated workflows and orchestration, enables lenders to reduce friction, improve cycle times, and create a scalable, modern lending experience.
Julie's Bio
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Julie Huber is an accomplished fintech and mortgage industry leader serving as Executive Vice President of Integrated Sales at Xactus. In her role, Julie drives strategic growth and innovation, collaborating with lenders, technology partners, and industry stakeholders to advance intelligent credit and verification workflows that enhance operational efficiency and borrower experience.
A respected voice in mortgage credit and risk technology, Julie regularly engages with industry audiences on topics ranging from credit scoring evolution to data-driven lending and verification optimization. Her work reflects a deep commitment to advancing the modern mortgage ecosystem through collaboration, technology adoption, and forward-thinking solutions that help lenders navigate an increasingly complex marketplace.
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Julie is known for her leadership, industry engagement, and ability to translate emerging trends and technologies into practical insights for mortgage professionals. She is a frequent contributor and speaker at national conferences and events focused on innovation, credit delivery, and fintech integration.
Anthony Hutchinson
Executive Vice President and Head of Public Affairs
VantageScore
VantageScore: Shaping the Future of Mortgage Credit
The presentation will give an overview of VantageScore, dive into VantageScore 4.0’s introduction to the conventional-conforming mortgage market and provide information on the score's adoption in the government and non-agency mortgage markets.
Anthony's Bio:
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Anthony Hutchinson is the Executive Vice President and Head of Public Affairs at
VantageScore. He brings nearly 30 years’ experience and a wealth of knowledge about the inner workings of Congress and the executive branch, as well as a deep understanding of the housing industry, to his current position. He’s helped shape public policies critical to the housing industry, including the Dodd-Frank Financial Reform Law, and the subsequent Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rulings, which ensured that homeownership remain affordable and accessible for all qualified homebuyers.
Prior to joining VantageScore, Mr. Hutchinson was Director of Government and Industry Relations at Freddie Mac where he oversaw the enterprise’s relationships with industry partners (e.g., American Bankers Association, Independent Community Bankers Association, and Mortgage Bankers Association). He liaised with these organizations to gain an understanding of the business needs and the impact of Freddie Mac policies on their respective members. Intelligence gathered and shared was used to cultivate better industry partnerships and improve housing finance experiences for the consumer.
Earlier in his career, Mr. Hutchinson represented the views of more than one million REALTORS® as the Senior Policy Representative for Financial Services for the National Association of REALTORS® (NAR), the nation’s largest professional trade association, for more than five years. Before that, he served in several positions at Fannie Mae for more than 10 years, including market intelligence for Fannie Mae’s partnership offices, managing the emerging markets effort in the Baltimore MSA, product development, and manufactured housing portfolio, and was a Customer Account Manager (CAM) for the mortgage lenders’ cooperative organizations.
He began his career in the housing industry at the National Association of REALTORS® as a Senior Market Researcher, part of the research and economics group. Here he developed a keen understanding of how research and data impact public policy.
Mr. Hutchinson has a BS in geography from the Pennsylvania State University, and an MBA from the University of Maryland, Global Campus.
Mary Kay Scully
Director of Customer Education
Enact
Introduction to the New Appraisal Report (URAR)
During this session, attendees will:
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Understand the structure, purpose, and workflow impact of the redesigned URAR, including its alignment with industry standards.
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Identify and interpret key sections, data fields, and dynamic features to accurately document property details, market data, and valuation methods.
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Apply best practices to transition from legacy forms, ensuring improved communication, compliance, and decision-making in appraisal reporting.
Mary Kay's Bio:
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Mary Kay Scully is the Director of Customer Education at Enact, where she leads the strategy and development of impactful training programs for mortgage professionals nationwide. In this role, she trains over 35,000 professionals annually on a wide range of topics, including tax return review, fraud detection, process improvement updates, and compliance navigation in an ever-evolving regulatory landscape.
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With over three decades of experience at Enact (formerly GE/Genworth), MaryKay has held diverse leadership roles including E-Business Development Manager, Director of Organizational Effectiveness, and Service Center Manager. Her career began in the field as a Loan Officer across several Mid-Atlantic mortgage companies, giving her a deep understanding of the industry from the ground up.
MaryKay is a nationally recognized educator and speaker, known for her expertise in topics ranging from purchase transaction best practices to credit analysis. She holds an MBA from Fairfield University and is a graduate of the National School of Banking. Her credentials include a Six Sigma Functional Black Belt Certification, DiSC Behavioral Profiling Trainer certification, and previously held Series 7 and Series 63 licenses.
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Her contributions to the industry have been recognized with the Mortgage Professional America Elite Women award in both 2017 and 2018. She also served as Chairman of the Mortgage Bankers Association of New Jersey Women’s Committee in 2019 and is a regular contributing writer for MBA Newslink.