Respa Expert Witnesses

Tequesta, Florida

Financial, Real Estate - Mortgage lending expert, Mortgage compliance, RESPA, TILA, TRID, Dodd-Frank, Fair lending, Steering, Redlining, Loan officer conduct, Underwriting standards, Debt-to-income (DTI), Automated underwriting system (AUS), Overlays, Pricing discretion, Quality control (QC), Repurchase disputes, Wrongful foreclosure, Industry standard

Joshua Ulmer is a mortgage lending expert witness and mortgage compliance expert witness with more than 22 years of experience in mortgage lending operations, mortgage underwriting, and loan officer conduct. He provides expert witness services in mortgage litigation for both plaintiff and defense counsel on a nationwide basis. Mr. Ulmer has extensive experience in mortgage origination, underwriting standards, debt-to-income (DTI) analysis, automated underwriting system (AUS) findings, lender overlays, and pricing discretion. He routinely evaluates whether mortgage lenders and loan officers complied with industry standard of care and federal mortgage regulations, including RESPA, TILA, TRID, and Dodd-Frank. As a mortgage compliance expert, Mr. Ulmer analyzes claims involving fair lending, steering, redlining, discriminatory lending, wrongful foreclosure, and improper underwriting. He is also retained in matters involving quality control (QC) failures, repurchase disputes, rep and w...

YORK, South Carolina

Banking, Real Estate - commercial loans, residential mortgages, mortgage loan servicing, predatory lending, truth in lending, RESPA, debt collection, underwriting, consumer protection, USPAP compliance, appraisal review, lending operations, foreclosures, disclosure, due diligence, lender liability, risk

Former Senior Vice President with over 20 years of experience in bank lending, cash management, and operations. Deep expertise in banking practices, including commercial and consumer lending, deposit accounts, and mortgage loan servicing. Certified in credit risk. Also, a Certified Residential Appraiser. Retained as an expert witness in over 260 matters nationwide. Engagements have involved banking-related issues, including loan underwriting, mortgage servicing, predatory lending, lender liability, debt collection, truth-in-lending, and consumer protection. Clients include individuals, small businesses, mortgage servicers, and many of the nation’s largest banks. Testified extensively in both federal and state courts, including class actions. Known for clear, credible, and well-supported opinions.