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5 September 2025 » themortgagepoint.com 2 0 2 5 E D I T O R I A L A D V I S O R Y B O A R D LaQuanda Sain EVP of Servicing, Rocket Mortgage LaQuanda Sain is the Executive Vice President of Servicing at Rocket Mortgage, the nation's largest mortgage lender. She leads the company's mortgage servicing portfolio, overseeing operations, strategy, digital and voice platforms, escalations, retention, and team engagement for more than three million clients nationwide. Under her leadership, Rocket Mortgage has earned 11 J.D. Power awards for mortgage servicing—more than any other lender—by setting the industry standard for care, consistency, and client trust. Since joining Rocket in 2013, she has held multiple senior leadership roles, including EVP of Retention, where she led proactive strategies to keep clients in the best mortgage product for their needs. Jake Williamson SVP of Single-Family Collateral & Quality Risk Management, Fannie Mae Jake Williamson is responsible for oversight and management of all end-to-end collateral, loan quality, and operational risk capabilities. These duties include front-end collateral policy design, loan quality control activities for both credit and collateral, condo standards, property valuations designation and modernization, appraisal bias oversight, real estate liquidation options, and Single-Family operational risk manage- ment. Kim Yowell EVP of Servicing, Fairway Independent Mortgage Servicing Kim Yowell, CPA, holds a BBA in Accounting from Texas Christian University and has over 30 years of manage- ment experience in the financial services industry. She started her career in the accounting and finance side of the mortgage business and has been focused on servicing and operations for the past 20 years. Yowell has held key leadership positions at CTX Mortgage Company, First Horizon Home Loans, Metlife Bank, and BoK Financial, and is currently the EVP of Servicing at Fairway Independent Mortgage Corporation. Yowell has also served on the Freddie Mac Advisory Board, the MBA Loan Administration Committee, the Black Knight Servicer Advisory Board, and the Fiserv Servicing Advisory Board. Michael Keaton SVP, Subservicing Business Development, Onity Group Inc. Michael Keaton joined Ocwen's Business Development Team in late 2022 to help grow the special servicing business. Before Ocwen, Keaton was the Chief Servicing Officer at Shellpoint Mortgage Servicing from 2012-2022. Before joining Shellpoint, Keaton held several executive-level roles at Resurgent Capital Services between 2002 and 2012, including VP of Mortgage Servicing and Recovery. He began his career at Wendover Financial Services, where he spent over 10 years, finishing his tenure as VP of Default Administration when Wendover was the nation's largest servicer of subprime mortgage loans. Michael Merritt SVP, Customer Care & Mortgage Default Servicing, BOK Financial Michael Merritt oversees mortgage servicing contact centers and default servicing divisions at BOK Financial, encompassing Customer Service and Default contact centers, as well as managing the Loss Mitigation Processing, Foreclosure, Bankruptcy, Claims, Post-Sale, and Loss Analysis teams. He previously managed mortgage sub-servicers at Goldman Sachs and played integral roles at Mr. Cooper Mortgage, primarily in Customer Care, Loss Mitigation, and First Line of Defense. Merritt holds an MLS in Risk Management from Texas A&M School of Law, an MBA from Texas Tech University, and a BA in Organizational Leadership from Arizona State University. Candace Russell VP of Post-Sale Activities, Default Servicing, Carrington Mortgage Services, LLC Candace Russell is VP of Post-Sale Activities in Default Servicing at Carrington Mortgage Services and leads Carrington's efforts to manage default inventory, as well as reduce enterprise risk factors. Carrington is a vertically integrated real estate and mortgage company that specializes in the lifecycle of single-family assets. Her experience in the mortgage industry is broad and deep, covering mortgage originations, performing loans, loss mitigation, foreclosure, claims, and risk manage- ment. Russell is currently Chair of the Mortgage Bankers Association Loan Administration Committee.