Mortgage Lending & Compliance Expert Witness

Specialties & Experience of this Expert Witness

Additional Information

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 warranty claims, and operational deficiencies within mortgage lending institutions. Mr. Ulmer’s litigation support includes expert reports, rebuttal reports, affidavits, declarations, deposition testimony, and trial testimony. He is frequently engaged to conduct case merit review, evaluate policies and procedures, and assess loan officer decision-making and branch management oversight in residential mortgage cases. Mr. Ulmer currently serves as a Branch Manager for a national mortgage lender and has previously owned and operated a mortgage company. His professional background includes more than a decade of branch management, direct supervision of loan officers, and responsibility for compliance, risk management, and underwriting workflow. He has consistently ranked as a top-producing loan officer while maintaining regulatory compliance. Mr. Ulmer holds an Associate Degree from Palm Beach State College and is a licensed Mortgage Loan Originator (NMLS) in Florida, Texas North and South Carolina and Georgia . He is available for expert witness testimony nationwide, including remote and in-person appearances.