Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Carol Galante Founder & Advisor Terner Center for Housing Innovation at UC Berkeley

Carol Galante is the Founder and Advisor of the Terner Center for Housing Innovation at UC Berkeley and The Housing Lab, an accelerator for early-stage ventures with the potential to fundamentally improve the housing market and make it more affordable and fair. Galante’s work with the Terner Center and Labs focuses on a portfolio of innovation work and continued support of strategic partnerships and federal and state policy projects. Galante serves as Chair of the Board of the Terner Housing Innovation Labs, a 501c3 non-profit that was created in 2019 to support Terner Center’s innovation portfolio, and Chair of the Advisory Board for the Terner Center & Labs.

She is the Emeritus Faculty Director of the Terner Center and held the I. Donald Terner Professorship in Affordable Housing and Urban Policy at UC Berkeley between 2015-2021.

Prior to joining UC Berkeley, Galante served in the Obama Administration for over five years as the Assistant Secretary for Housing/Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD) and as the Deputy Assistant Secretary for Multifamily Housing programs.

Galante provided key leadership in the housing sector during the recession of 2009, including strengthening FHA’s infrastructure and policies while providing access to credit that helped stabilize the housing market. She also developed signature initiatives that provided better opportunities to low-income families including Choice Neighborhoods and the Rental Assistance Demonstration Program.

Prior to her appointment at HUD, Galante was President and Chief Executive of BRIDGE Housing Corporation, the largest non-profit developer of affordable, mixed-income and mixed-use developments in California. Early in her career Galante also worked for local government in city planning and community economic development.

Galante serves on the non-profit Board of Directors of The Community Builders. She is also an advisor to Factory OS, an innovative new company changing how we build. She holds a Master of City Planning from UC Berkeley, and a Bachelor of Arts from Ohio Wesleyan.

Mat Ishbia Chairman & CEO United Wholesale Mortgage

Mat Ishbia is the Chairman and CEO of United Wholesale Mortgage (UWM) - the No. 1 wholesale mortgage lender in the nation for seven consecutive years and No. 2 mortgage lender in the nation for three consecutive years. Under Ishbia’s leadership, UWM has soared to new heights and is one of the most innovative lenders in the industry. Focused solely on growing the wholesale channel, Mat has taken UWM from being a 12-person mortgage company to a 7,000+ person team working together on one campus in Pontiac, MI to help mortgage brokers across America grow. On January 22^nd, 2021, Mat rang the opening bell at the New York Stock Exchange and UWM officially became a public company, trading under the stock symbol UWMC.

Rapid growth at UWM, both in team members and production, has enabled them to make a substantial philanthropic impact on charities and non-profits both locally and nationwide. Using innovative platforms, UWM has empowered its team members and clients to donate to charities of their choosing, funded by UWM. These efforts, combined with company donations, have enabled 300+ charities to receive millions of dollars directly from UWM over the years.

Prior to joining UWM, Mat played for Michigan State’s basketball team for four years – going to three Final Fours and winning the National Championship in 2000. He also spent one year coaching alongside Tom Izzo. His college basketball background, leadership style, and dedication to a team-focused business approach have enabled him to gain record-breaking wholesale market share and rapidly grow UWM into a leading lending operation.

 Mat is known as the most prominent advocate for mortgage brokers nationwide while promoting the wholesale channel on national platforms such as CNBC, Fox Business, Good Morning America, Yahoo! Finance, and Bloomberg TV. During Mat’s time as CEO of the largest wholesale lender, mortgage brokers have experienced more growth than the previous 10+ years. He has been named one of the “Most Influential Mortgage Professionals Under 40” and one of the “25 Most Connected Mortgage Professionals” by National Mortgage Professional magazine. Additional accolades include being named a “Rising Star” and Vanguard Award winner by HousingWire. Most recently, Mat was recognized by Ernst and Young as one of their 2021 Entrepreneurs of the Year.  

Carol Galante Founder & Advisor Terner Center for Housing Innovation at UC Berkeley

Carol Galante is the Founder and Advisor of the Terner Center for Housing Innovation at UC Berkeley and The Housing Lab, an accelerator for early-stage ventures with the potential to fundamentally improve the housing market and make it more affordable and fair. Galante’s work with the Terner Center and Labs focuses on a portfolio of innovation work and continued support of strategic partnerships and federal and state policy projects. Galante serves as Chair of the Board of the Terner Housing Innovation Labs, a 501c3 non-profit that was created in 2019 to support Terner Center’s innovation portfolio, and Chair of the Advisory Board for the Terner Center & Labs.

She is the Emeritus Faculty Director of the Terner Center and held the I. Donald Terner Professorship in Affordable Housing and Urban Policy at UC Berkeley between 2015-2021.

Prior to joining UC Berkeley, Galante served in the Obama Administration for over five years as the Assistant Secretary for Housing/Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD) and as the Deputy Assistant Secretary for Multifamily Housing programs.

Galante provided key leadership in the housing sector during the recession of 2009, including strengthening FHA’s infrastructure and policies while providing access to credit that helped stabilize the housing market. She also developed signature initiatives that provided better opportunities to low-income families including Choice Neighborhoods and the Rental Assistance Demonstration Program.

Prior to her appointment at HUD, Galante was President and Chief Executive of BRIDGE Housing Corporation, the largest non-profit developer of affordable, mixed-income and mixed-use developments in California. Early in her career Galante also worked for local government in city planning and community economic development.

Galante serves on the non-profit Board of Directors of The Community Builders. She is also an advisor to Factory OS, an innovative new company changing how we build. She holds a Master of City Planning from UC Berkeley, and a Bachelor of Arts from Ohio Wesleyan.

Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Mat Ishbia Chairman & CEO United Wholesale Mortgage

Mat Ishbia is the Chairman and CEO of United Wholesale Mortgage (UWM) - the No. 1 wholesale mortgage lender in the nation for seven consecutive years and No. 2 mortgage lender in the nation for three consecutive years. Under Ishbia’s leadership, UWM has soared to new heights and is one of the most innovative lenders in the industry. Focused solely on growing the wholesale channel, Mat has taken UWM from being a 12-person mortgage company to a 7,000+ person team working together on one campus in Pontiac, MI to help mortgage brokers across America grow. On January 22^nd, 2021, Mat rang the opening bell at the New York Stock Exchange and UWM officially became a public company, trading under the stock symbol UWMC.

Rapid growth at UWM, both in team members and production, has enabled them to make a substantial philanthropic impact on charities and non-profits both locally and nationwide. Using innovative platforms, UWM has empowered its team members and clients to donate to charities of their choosing, funded by UWM. These efforts, combined with company donations, have enabled 300+ charities to receive millions of dollars directly from UWM over the years.

Prior to joining UWM, Mat played for Michigan State’s basketball team for four years – going to three Final Fours and winning the National Championship in 2000. He also spent one year coaching alongside Tom Izzo. His college basketball background, leadership style, and dedication to a team-focused business approach have enabled him to gain record-breaking wholesale market share and rapidly grow UWM into a leading lending operation.

 Mat is known as the most prominent advocate for mortgage brokers nationwide while promoting the wholesale channel on national platforms such as CNBC, Fox Business, Good Morning America, Yahoo! Finance, and Bloomberg TV. During Mat’s time as CEO of the largest wholesale lender, mortgage brokers have experienced more growth than the previous 10+ years. He has been named one of the “Most Influential Mortgage Professionals Under 40” and one of the “25 Most Connected Mortgage Professionals” by National Mortgage Professional magazine. Additional accolades include being named a “Rising Star” and Vanguard Award winner by HousingWire. Most recently, Mat was recognized by Ernst and Young as one of their 2021 Entrepreneurs of the Year.