Publications

• Appraisal readiness steps highlight staff training and quality control. Published by Housing Wire 12/27/2024
• Three Lines of Defense for Cybersecurity Compliance. Published by Scotsman Guide Magazine, February 2026.
• Interview with Valuation Review - Appraiser News Market Watch. Published 10/9/2024

Mortgage lending compliance expert

Specialties & Experience of this Expert Witness

Additional Information

Anna DeSimone is an author and consultant on the topic of residential mortgage lending. She was founder and CEO of Bankers Advisory, Inc., an audit services and consulting firm, for 35 years, and led a team of 50 persons including 25 staff attorneys. The company was acquired by a top ten US public accounting firm in 2014, and she served as CEO through 2019. Anna has published more than 50 industry handbooks on the topic of loan origination, fair lending, discrimination, mortgage quality control, fraud, wholesale lending, broker oversight, vendor oversight, information security, data privacy, AI governance, loan servicing, loss mitigation, and foreclosure steps. She has published numerous feature articles and compliance newsletters for major media outlets, and has given commentary on television, radio, and podcasts. She authored 6 books for consumers on housing topics, including Closing the Gap--Re-writing the Rules Against Mortgage Discrimination. She was an instructor at the New England College of Finance in Boston, Massachusetts for 10 years, and has lectured at the Federal Reserve Bank of Boston, the Fannie Mae Employee Training Center, and various trade associations. Anna has served as a mortgage expert on more than a dozen legal cases, representing defendant banks, mortgage companies, and loan servicers. She has been successful in providing testimony in 100% of cases to date involving borrower fraud, appraiser fraud, and predatory lending, compliance violations, and foreclosure practices. She provided court testimony in the 9th federal circuit on a federal truth-in-lending case which resulted in a precedent win for the defense. A large portion of cases resulted in a summary judgment based on her expert report or deposition. She is highly skilled at documentation review, industry research, and data analytics. She has prepared technical illustrations which evidenced the defendant's compliance to state and federal regulations, and/or the consumer's loan fees, terms, and underwriting conditions. She has corroborated the lender's service standards were consistent with the current marketplace and industry peers. Through review of audio transcripts and servicing system logs, she has provided evidence that loss mitigation activities were compliant with state and federal laws and mortgage agency directives. A nationally-recognized fair lending expert, Anna provides detailed comparative analyses of similarly-situated applicants to support loan denials or loan terms that utilized AI-supported underwriting technology.