Join us for the OMBA Virtual Convention “Bringing  Ohioans Home” May 10th and May 11th, 9AM-12PM Daily. Like OMBA’s conventions in the past, this event is jam-packed with important information for mortgage lenders, whether bank or non-bank.

With a new Administration and Congress in Washington, changes are coming to the real estate finance industry.  What will those changes mean for mortgage banking, your business, your job?  We have invited officials from the Administration and Congress, along with industry experts to discuss and answer questions.

Please join us!


JUST A FEW OF OUR SPEAKERS (Additional Speakers Being Added)


The U.S. Representative for Ohio’s 11th congressional district since 2008. A member of the Democratic Party, she won the 2008 special election uncontested, succeeding Stephanie Tubbs Jones, who died in office.  Fudge was chair of the Congressional Black Caucus in the 113th Congress. President Biden nominated Fudge as Secretary of Housing and Urban Development, and her final confirmation is pending in the Senate.  During her terms in Congress, Secretary Fudge served on the House Committee for Agriculture’s Subcommittee on Conservation, Energy and Forestry and was Chair of the Subcommittee on Nutrition, Oversight and Department Operations.  She has served on the Committee for House Administration’s Subcommittee on Elections and on the Committee as Chair, as well as on the Subcommittee for Civil Rights and Human Rights on the House Committee for Education and Labor.  A 1971 graduate of Shaker Heights High School, she earned her Bachelor of Science in business from Ohio State University in 1975.  In 1983, she earned a Juris Doctor from Cleveland State University Cleveland-Marshall College of Law.  After college, she worked as a law clerk and studied legal research. She also worked in the Cuyahoga County prosecutor’s office as Director of Budget and Finance. Fudge has also worked as an auditor for the county’s estate tax department and has occasionally served as a visiting judge and as a chief referee for arbitration.

Secretary Fudge was the mayor of Warrensville Heights, Ohio, from 2000 to November 18, 2008. Her 1999 campaign was her first run for any elected office. She was the town’s first female and first African American mayor.

Secretary Fudge served as chief of staff to U.S. Representative Stephanie Tubbs Jones during Jones’s first term in Congress. She has also served on the board of trustees for the Cleveland Public Library.

Senator Sherrod Brown, Chair of the Senate Banking, Housing and Urban Development Committee (Invited)

A lifelong Ohioan, Senator Sherrod Brown has spent his career fighting for the Dignity of Work – the idea that hard work should pay off for everyone, no matter who you are, where you live, or what kind of work you do. He has held nearly 500 roundtables across Ohio, because he believes the best ideas don’t come out of Washington – they come from conversations with Ohioans across our state.

Building on his successful work to make the Earned Income Tax Credit permanent, Senator Brown has a plan to overhaul our tax code to put people first, and to make hard work pay off for more Americans. That includes putting more money back in the pockets of workers and families, giving workers more power in the workplace, making it easier to save for retirement, and encouraging companies to invest in their greatest asset: the American worker. Senator Brown also believes we need to broaden our definition of work – caring for children or an aging parent is work, and so is getting an education.

Senator Brown has fought for Ohio jobs and Ohio companies, he’s fought against trade and tax policies that sell out workers, and he has taken on Wall Street Greed.  He is fighting for Ohio’s auto supply chain with legislation to get rid of tax incentives for auto companies to ship jobs overseas.  Senator Brown serves as the Chair of the very influential Senate Banking, Housing, and Urban Affairs Committee, where he has stated upon his appointment, “Housing was a word left out of this committee’s title for far too many years and it won’t be left out anymore.”


Congressman Stivers is currently serving his fifth term as a Member of Congress and represents Ohio’s 15th Congressional District. Stivers has served on the Financial Services Committee throughout his time in Congress, which oversees the banking, insurance, real estate, public and assisted housing, and securities industries. The Committee also reviews housing and consumer protection legislation and has jurisdiction over Fannie Mae and Freddie Mac, the Federal Deposit Insurance Corporation, the U.S. Department of Housing and Urban Development and the Federal Reserve Bank.

Throughout his career, Steve Stivers has worked to encourage job creation, promote economic development, and put our country’s fiscal house in order. He is the lead sponsor of a balanced budget amendment to the Constitution, which would restrict the federal government from spending more than it brings in. Stivers has also been a strong advocate for veterans and their families. In his first term, he passed the HIRE at Home Act and TRICARE for Kids to help returning soldiers reenter the job market and provide their children better health care, respectfully. In his second term, he passed legislation to re-name two postal facilities located in Ohio’s 15th Congressional District after area veterans who had given their lives in service to our country

Prior to running for Congress, Stivers served in the Ohio Senate. He also worked in the private sector for the Ohio Company and Bank One, where he focused on promoting economic development and encouraging job creation.

A career soldier, Stivers has served over 30 years in the Ohio Army National Guard and holds the rank of Brigadier General. He served the United States overseas during Operation Iraqi Freedom in Kuwait, Iraq, Qatar and Djibouti where he led 400 soldiers and contractors and is proud that each and every one returned home safely to the United States. Stivers received the Bronze Star for his leadership throughout the deployment.

Stivers received both his bachelor’s degree and his MBA from The Ohio State University.


Congresswoman Joyce Beatty is a native Ohioan with a strong history of connecting people, policy and politics to make a difference. Since 2013, Beatty has proudly represented Ohio’s Third Congressional District.

Beatty serves on the exclusive House Committee on Financial Services and is chair of the Subcommittee on Diversity and Inclusion. The Financial Services Committee oversees the entire financial services industry, including the nation’s banking, securities, insurance, and housing industries, as well as the work of the Federal Reserve, the United States Department of the Treasury and the United States Securities and Exchange Commission.

Prior to her service in the U.S. House of Representatives, Congresswoman Beatty was Senior Vice President of Outreach and Engagement at The Ohio State University and a member in the Ohio House of Representatives for five terms. During her tenure in the Ohio House, she rose to become the first female Democratic House Leader in Ohio’s history and was instrumental in spearheading and enacting legislation to require financial literacy in Ohio’s public school curriculum, and to expand STEM education.

In 2015, Beatty introduced the Housing Financial Literacy Act of 2015 to improve first-time homebuyers’ financial knowledge by providing a discount on Federal Housing Administration (FHA) backed mortgage insurance premiums upon successful completion of a HUD certified housing counseling course. Recently, she introduced the Free Credit Score Act, legislation to require consumer reporting agencies to include a credit score when providing consumers with a free annual credit report. In addition, Beatty authored the Jumpstart Housing Opportunities Utilizing Small Enterprises (HOUSE) Act, or Jumpstart HOUSE Act, which would reauthorize the State Small Business Credit Initiative (SSBCI) for eight years and require state business development agencies to set aside the lesser of $2.5 million or 10 percent of unobligated SSBCI funds for small businesses to purchase, rehabilitate, or operate affordable housing units. She also played a major role, alongside other federal and local officials, in helping the City of Columbus win the Department of Transportation’s (DOT) Smart City Challenge, a nationwide competition powered by a pledge of up to $40 million in federal funds to transform one mid-size city’s transportation network and make it safer, easier to use and more reliable.

Beatty received her Bachelor of Arts from Central State University, her Master of Science from Wright State University, and completed all requirements but her dissertation for a doctorate at the University of Cincinnati. In addition, she has been awarded honorary doctorate degrees from Ohio Dominican University and Central State University.


Marianne received her FHA Direct Endorsement Underwriting approval in the mid-1980s and underwrote FHA loans throughout her mortgage banking career, ending in 2012. She has been training underwriters, processors , loan  officers and other mortgage lending professionals for the last 8 years, during which time she was Executive Director and COO for both the Ohio and New York Mortgage Bankers Associations. Marianne is a former member of the Fannie Mae National Advisory Council. She is past president of both the Columbus and Ohio Mortgage Bankers Associations, and a former member of the national MBA’s Board of Directors and Board of Governors. Marianne is a winner of the MBA’s Burton C. Wood Legislative Service Award, a 2-time winner of the MBA’s Schmacher-Buldoc Award; and was the first recipient of the MBA’s State Leadership Award, which was renamed in her honor in 2019. In the 2013 centennial edition, Mortgage Banking Magazine named her one of “20 Leading Industry Women”. She currently serves on the MBA’s Loan Production Committee, FHA Subcommittee, VA Subcommittee, and USDA Subcommittee.


Ari Karen is an experienced litigator and speaker who has focused his practice in representing financial institutions in both government investigations and litigation before state and federal trial and appellate courts nationwide.

Mr. Karen’s practice is diverse, representing clients on matters concerning banking regulations, Dodd Frank financial reform laws, contractual disputes, employment and labor statutes, wage-hour class actions, employment discrimination and fair lending matters, whistleblower complaints and non-competition claims, among others.

Mr. Karen is a principal in the firm in its Financial Institutions Regulatory and Labor and Employment practice groups. He is also the Founder and CEO of Strategic Compliance Partners (SCP). SCP is a mortgage compliance consulting firm which provides a total compliance solution for mortgage brokers.

Mr. Karen is a sought after national speaker and published writer to audiences nationwide. His speaking engagements include talks to members of CMLA, Lenders One and mortgage groups and associations in Texas, California, the Carolinas, Illinois, Indiana, Michigan, Missouri, New Jersey, Pennsylvania, Massachusetts, New York, Florida, Maine, Ohio, Maryland, Kansas, Arizona, Rhode Island and Vermont. A published writer, Mr. Karen writes frequently for leading publications within the mortgage banking industry.