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Our Board Members.

President - Lisa Goldsmith

Franklin American

My mission is to champion growth and sustainability for the mortgage lending community through intelligent solutions, reliable products, and exceptional service.

After more than 40 years in the mortgage lending industry I still thrive on the opportunities to collaboratively learn, lead, and problem-solve. I have a track record of award-winning performance demonstrating passion for achievement while remaining committed to my vision for creating financially sustainable partnerships.

Committee Co-Chair - Tony Fernandez

Radian Guaranty

Committee Co-Chair - Nichole Koenig

Rainier Title

Chairman of the Board - Rose-Marie David


Rose Marie David is an Executive Vice President Divisional Manager for Homebridge Financial Services. Ms. David came to Homebridge in June 2019 as part of their acquisition of the large scale retail home loan center business of HomeStreet Bank. In her current role, she leads over sales and operations for the western division that resulted from this acquisition. In her former role at HomeStreet Bank, she was the Director of Mortgage Lending responsible for growing the residential mortgage banking franchise and overseeing mortgage production, operations, and servicing. Ms. David joined HomeStreet in March 2012, coming from MetLife Home Loans where she was Pacific Northwest Regional Sales leader. She has been in the industry for more than 30 years and has worked in many aspects of mortgage banking along the way, including owning her own mortgage brokerage. Ms. David holds a B.A. in finance from the University of Utah. During her time in leadership at HomeStreet Bank, the mortgage banking volume grew over 400%, finishing in Scotsman Guide’s Top 20 Retail Mortgage Lenders from 2016-2018 and reaching #1 purchase market share in the tri-state Pacific Northwest in 2017. Ms. David’s success has come from earning and maintaining a strong relationship with her team and the community, and always putting the customer first.

Ms. David currently sits on the Ellie Mae Exec Advisory Board and the WMBA Board. She has sat in recent years on the Advisory Boards for Fannie Mae, Freddie Mac and Xinnix. She participated in 2018 in Dave Steven’s MBA CEO Exchange and National MBA’s Residential Board of Governors (RESBOG). Ms. David also currently serves on the board of the YWCA for Seattle King and Snohomish counties. She is drawn to their mission to eliminate racism and empower women.

Vice President - Andy McDonough

Upwell Mortgage

Andy is passionate about advocating for and giving back to the mortgage industry and is enjoying his role as an Executive Board Member and the Chair of the Education Committee for the Washington Mortgage Bankers Association.  He’s focused on continued growth and development of our members and is proud to work with the national MBA to bring the School of Mortgage Banking classes to Seattle annually.

Recently joining Upwell Mortgage as a Partner and SVP of Production, Andy will help lead their team and grow their company forward into this next decade.  As an energetic senior leader of the mortgage industry, he’s spent most of his 20+ years building and developing production teams, most recently serving as SVP, Divisional Production leader for HomeStreet Bank.

Outside of his day job, Andy’s passions include his family, the outdoors and producing independent documentary adventure films.  ”I love hiking and camping together with my family for ski trips and visiting National Parks in our Airstream.”

Andy is incredibly energized for this opportunity through the Washington Mortgage Bankers Association to have a positive impact in the lives of our members, partners and communities we serve!

Board Treasurer - James DeMarco

Flagstar Bank

Beginning his career as a Loan Officer, for over 15 years Jim DeMarco has risen through the ranks in the mortgage industry holding a variety of leadership positions throughout the sales, operations and fulfillment areas.  Prior to his current role of Branch Manager at Flagstar Bank, Jim was the Region Manager for M&T Bank’s Wholesale operation in Arizona and also M&T’s Region Manager in Washington where he oversaw all facets of the operation for both their Retail and Wholesale lending channels. In 2015, after M&T Bank exited the market, Jim joined the exciting hybrid-lending platform of Flagstar Bank.  Jim helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. He has played an active role in the mortgage community, most recently as an Executive Board Member of the Washington Mortgage Bankers Association.  Jim is originally from Buffalo, NY where he earned his Bachelor’s degree in Management from Canisius College and was recognized with their Management Academic Excellence Award.

Immediate Past President - Robert Lipston

Flagstar Bank

Robert Lipston is the Regional Director for Flagstar Bank overseeing sales and the expansion in the Pacific Northwest.

Robert has been in the Mortgage industry since 1987 and spent the last 30+ years holding various positions of progressive responsibility in executive leadership. He most recently has spent the past 7 years establishing and growing Flagstar Bank as the Regional Director for the Pacific Northwest. Robert has a diverse set of skills and experience in sales, leadership, strategic business planning, operations management, secondary marketing, underwriting, retail mortgage banking, wholesale and correspondent lending. These skills give Robert a unique view of the industry that he is able to leverage into his daily business with his team. Robert is currently the President of the WMBA (Washington Mortgage Bankers Association), and has been actively involved on the board over the past 5 years. Robert has received numerous awards and accolades for his dedication to support his team and involvement in the mortgage community over the last few years, His most recent achievements have been named as One of the Top 100 Most Influential Mortgage Executives in America and the Mortgage Professionals Humanitarian and leadership award.

Robert resides in Auburn, WA. When he is not giving his all to his career and team, Robert spends time with his three children and always finds time for boating, classic cars and adventure.

Director - Steve Beagles

Mortgage Guaranty Insurance Corp (MGIC)

Steve has over 30 years of banking and financial services industry experience, including several years in management consulting and M&A advisory in Japan, Singapore, Australia, Hong Kong and in the UK. He also established a Japan branch for a U.S. mortgage insurance company and served as Country Manager. Steve is a Washington native and moved back into the area in 2016 after more than a 20-year absence. He lives in Bellevue with his wife and they have two children.

Director - Darren Clark

Caliber Home Loans, Inc.

Darren Clark has been in the mortgage industry in a production role since 1990.  As Regional Vice President at Caliber Home Loans he has led his team growth from $600m annual production to $3b in annual funding in a 3-year span.  Prior to merging with Caliber, Darren owned The Advisors Mortgage Company from 2007 – 2017, building teams across Washington State.  During this span, The Advisors helped over 7,000 households secure mortgage financing, his team realizing number one market share in their respective markets.  Prior to The Advisors, Darren was SVP, and a top producing branch manager for Golf Savings bank from 1996 – 2007.  During his time at Golf, Darren earned top producer status for 40 consecutive quarters; as well as a Chairman’s Club recipient for 10 consecutive years.  He started his branch from “scratch’ and became one of the largest producing branches in the Pacific Northwest.

Darren’s role as RVP with Caliber has allowed him to bring a unique vision to his management team.  His passion as a leader is his time spent coaching his team to understand the business and financial dynamics impacting originators and branches.  Darren’s belief is that a long term, sustainable team can only be realized when the leadership team has clarity in their mission, complimented with a culture of gratitude.  His purpose is to help his team realize and seize opportunity.

Director - Steve Cory

Fidelity National Title Company

The Seattle based Washington Commercial Closing Team provides Owners, Brokers, Lenders and Lawyers professional title insurance and escrow services. Fidelity National Title provides solutions that help customers and clients get their transactions closed smoothly and on time. We also team up to help our Clients improve their business practices, saving time & adding to their bottom line.

Director - Jordan Flowers

Guild Mortgage
(425) 250-3145

Born and raised on the Eastside, Jordan graduated from Washington State University and holds a Bachelor’s degree in Business Administration. Jordan has built a career in the mortgage business, and has been a part of the industry for over a decade. His extensive experience in managing lending partnerships with builders and realtors has brought Jordan an innate understanding of the market.

Jordan currently serves on the board of the Washington Mortgage Bankers Association, which brings unique foresight for the future in the mortgage industry. This knowledge, paired with his commitment and dedication to his client’s success, has grown everlasting relationships with hundreds of families seeking homeownership. Making the dream of owning a home a reality for his clients is his greatest reward.

Director - Robert Gable

Wells Fargo

Bob has been in the mortgage industry for over 25 years. He began working with Wells Fargo Home Mortgage in 2005 and is currently a non-producing Branch manager for their Issaquah location. When he was in production his focused was new construction, and in the past worked with Seattle Mortgage, Countrywide and also started the joint venture with DR Horton Mortgage. Bob has received many awards over the years recognizing stellar service and going above and beyond for customers.

Bob lives in Sammamish with his wife Lynda and 2 children, his daughter is a senior at Eastern Washington and his son is a senior at Skyline High School. He enjoys spending his free time with his kids, touring wineries, sports and entertaining.

Director - Teresa Olson

First Guaranty Mortgage Corp
(425) 770-3246

Teresa Olson's professional experiences in the Mortgage Banking industry began in 2003. Her roles in: Sales, Operation, Production and Management have given her a broad spectrum of education and knowledge. She currently is employed with First Guaranty Mortgage Corp and has served on the Board of Washington Association of Mortgage Professionals since 2011 this and was the Treasurer for 2014-2015. Teresa is assigned to Washington Mortgage Bankers Association on the Golf Committee, and is looking forward to the upcoming year in helping our Washington State association grow. Teresa has a husband and 4 children, loves family dinners, and enjoys the study of Cultural Arts, and Foreign languages.

Director - Christopher Sailus

Washington Federal Bank
(425) 212-2472

Chris manages a Retail and the Wholesale Divisions at Washington Federal Bank in the Seattle market and has been in the lending industry for over 30 years. He has held a variety of positions leading sales teams, underwriting, recruiting and secondary and recently served as Treasurer of the NW Eco-Building Guild.

Director - Eric Seidenberger

Washington Federal Bank

Earned a BBA in Finance from Angelo State University (Texas) in 2005. After graduation, I began my banking career as a Commercial Credit Analyst with First Horizon/First Tennessee’s Construction Lending Division in Irving, Texas.  In 2008, prior to the Great Recession grabbing hold, my then CRE team manager brought me along to help energize the North Texas Division for Patriot Bank in Dallas, Texas.  This community bank out of Houston had a myriad of issues related to CRE loans booked by predecessors, so I earned “battlefield” promotions to Portfolio Manager and Relationship Manager in 2008/2009.  The years from 2008-2011 were spent resolving Special Credits and managing Real Estate Owned by Patriot Bank.  By the end of 2011, Texas had turned the corner and CRE lending began its ascension in our North Texas Division. After marriage in 2012, my wife was heavily recruited by Amazon in 2013.  Similarly, I was able to connect with Mr. Tom Pozarycki, whom I knew from my First Horizon days in 2005-2008.  Washington Federal hired me in 2013 as a CRE Relationship Manager (Vice President), and I have held that post since Day 1.  In this position, I am expected to achieve high marks for new business development, finding those CRE clients who align with WaFd’s fiscal conservative values.  The team consists of credit analysts and loan coordinators, and we work together to underwrite and present new opportunities for loans/deposits/treasury.  Further, we manage a portfolio of clients with a range of property types (stabilized and under construction), as well as ongoing credit compliance with reporting and financial covenants.

Emeritus Director - Anne Marie Bachmann

Caliber Home Loans
206 947 2048

Anne Marie’s sales, recruiting and management career spans 25 plus years and she has been recruiting exclusively within the mortgage industry since 2006. She has had the unique experience of being an internal production headhunter for national and regional depositories as well as a regional mortgage and recruited externally for 7 years. Anne Marie joined Caliber Home Loans as the Regional Recruiter for the Pacific NW in 2019. She supports 5 States with Caliber. Her depth and relationships in the Pacific Northwest span many years and she has impacted many people.

Anne Marie is a native of Washington and lives in Bothell with her daughter and their Basset Hound, Beau.

Emeritus Director - Tony Blodgett

New American Funding

Tony Blodgett has over 17 years of experience in the mortgage industry and is currently the Regional Vice President for New American Funding.  He started as a loan officer at the age of 19 and quickly achieved status as one of the top producers in the area. In 2010 he was promoted to President and COO of Mortgage Advisory Group, his time in executive leadership has given him the knowledge and experience necessary to help build out the Washington region for New American Funding. Tony is excited to work at a company where he can utilize his extensive skills in leadership and sales to better the culture, revenue and growth of the company. In his free time Tony enjoys spending time with his family, riding dirt bikes and camping. He currently resides with his wife, two daughters and baby boy in Arlington, WA

Emeritus Director - Gary Fallon

Hillis Clark Martin & Peterson PS

Gary has been a lender services attorney at Hillis Clark Martin & Peterson since 1982, working with lender clients to develop efficient and cost-effective documentation for lending activities ranging from individual residential transactions to large commercial projects. He has worked through the most complicated of real estate and C & I financings, and has assisted clients with complex troubled loans ranging from large multi-state residential construction workouts to the restructuring of downtown commercial and multi-family project financings.

Gary has served as President of the Seattle Mortgage Bankers Association and Associate Director of the Washington Mortgage Lenders Association. He also helped coordinate the merger of those two organizations to form the Washington Mortgage Bankers Association, where he now serves as a Director and co-chair to the legal-legislative committee. He has also been a board member of Habitat for Humanity Seattle/King County for more than a decade, and served as its President from 2011-2012.

Emeritus Director - Sharon Knowles

Arch MI

Sharon Knowles is an Account Manager for Arch MI and covers western Washington and Alaska. She received the President’s Trophy in 2007 as the top sales person in the country. She is passionate about giving back to the industry, was President of Washington Mortgage Bankers Association in 2012 and received three awards from the Mortgage Bankers Association of American when she was editor of the WMBA’s Lending line quarterly news publication in 1997, 1995 and 1993. She has remained on the board for many years and currently serves as scholarship chairman and was recently named Director Emeritus. Sharon also received the Washington Association of Mortgage Professional’s Outstanding Account Executive award in 2016.

Sharon graduated from Western WA University where she met her husband and they just celebrated their 23rd wedding anniversary. She has two children ages 20 and 18 and they are currently attending college.

Emeritus Director - Francois Madath

American Reporting Company

At ARC, Francois is responsible for overall business operations. Since purchasing ARC in January 2007, Francois has focused ARC's strategy and resources on providing Community Banks, Credit Unions and Mortgage Bankers with a high degree of service and quality for each of ARC's products (credit, appraisal, escrow, education). Prior to ARC Francois worked in the Credit Risk Divisions of both Bank of America and Washington Mutual. He is a licensed certified appraiser, and a licensed escrow officer. Francois has a Degree in Business Administration from the University of Southern California.

Emeritus Director - Mike Olden

American Reporting Company

At American Reporting Company, Mike’s primary responsibility is managing and developing new business with banks, credit unions, and mortgage bankers. Mike has worked in the mortgage banking industry since 1984 and at American Reporting Company since 1997.

Mike also helps develop and deliver educational programs related to credit reporting and credit scoring for ARC clients, non-profit housing partners, and first time homebuyers. He is certified to teach continuing education to Realtors in Washington, Oregon, and Hawaii; and has been a featured presenter to national audiences.

Mike is a former board member of the Puget Sound Mortgage Lenders Association and the Community Homeownership Center. He served on the Mortgage Bankers Association State & Local Advisory Council

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