Don’t Wait for the Examiner to Tell Your Fair Lending Story | Ledro Uriegas, DHI Mortgage | Connect
From CONNECT by California MBA · 00:18:44
Show by The California MBA
The CFPB has stepped back. State regulators are stepping up. And AB 801 just changed the examination landscape for mortgage lenders in California. In this episode of Connect, California MBA CEO Paul Gigliotti sits down with Ledro Uriegas, SVP of Compliance and Fair Lending Officer at DHI Mortgage, the mortgage company for DR Horton and one of the largest builder-affiliated lenders in the country. Ledro brings nearly 25 years of mortgage experience, including more than a decade leading enterprise compliance after a career on the production and operations side of the business. That combination makes him one of the most grounded and practical voices on compliance you’ll find in the industry. In this episode: Why state regulators are ramping up fast to fill the gap left by reduced federal enforcement and why 2027 will be even more active AB 801 and the California Fair Lending Examination Act: what it means, what lenders should do now, and why being exam-ready is not the same as having a strong fair lending program How to build an internal fair lending monitoring program that tells you your story before the examiner arrives HMDA data as a starting point: approvals versus denials, pricing exceptions, geographic patterns, and what statistically similar files can reveal What compliance and AI tools can and cannot do for lenders and why the lender always owns the outcome What makes compliance unique in a builder-affiliated lending environment: affiliated business arrangements, RESPA, LO compensation, new construction disclosures, and more Why California is not just the largest housing market in the US but one of the most active legislative and regulatory environments in the country and why that matters for every national lender Why partnering with your state MBA is one of the most practical things a compliance leader can do Connect is the California MBA’s podcast where strategy, innovation, and leadership come together to shape the future of mortgage finance. Subscribe for new episodes featuring the voices driving the industry forward.
More episodes of CONNECT by California MBA
More episodes
- Why Wholesale Wins: Phil Shoemaker on Non-QM, AI & Building a Sustainable Mortgage Company
- Stop Chasing Shiny Objects: Meghan Tidgewell on Technology, MISMO & Real Operational Change
- Only 1 in 5 Trust Their Loan Officer — How First Home IQ Is Fixing That | Kristin Messerli | Connect
- The Perfect Storm for Non-QM: Why the Time Is Now | Lisa Schreiber, eResi Mortgage | Connect
- Where the Friction Really Lives in Mortgage Operations | Michael Danlag & George Schultz, Solugenix
- Standards Are the Foundation - Amy Moses on MISMO, MCD & the Future of Mortgage Data | Connect
- Treat Your Loan Officers Like Clients — Artin Babayan's Formula for IMB Growth | Connect
- Do You Really Know Who You're Wiring Money To? | Andrew Liput, Secure Insight | Connect Podcast
- Connect Episode 1 - Bill Dallas, President of Finance of America Mortgage
- Connect Episode 2 - S.A. Ibrahim, Chairman of Mortgage Media
PodSearch is a free, independent podcast search engine. Read about PodSearch, the privacy policy or contact us.