Julie Conley

President MMLA

Area Account Manager, Union Home Mortgage TPO/NDC

The Mortgage Bankers Association’s National Advocacy Conference once again did not disappoint with their on-point messages delivered to lawmakers by MBA members. This year, Michigan had the largest delegation in attendance. The MMLA’s commitment to advocacy for our membership has never been more evident. The topics of most importance this year were the state of the mortgage industry, the 40% DTI LLPA adjustment that was delayed to August 1, 2023, trigger leads, and remote online notarization.  We asked our legislatures to write a letter to FHFA Director Sandra Thompson and ask her to reconsider the LLPA’s second roll out. 

Trigger leads continue to cause concern as they relate to consumer confidence and predatory lending. The number of times one credit inquiry can be sold by Equifax, Transunion and Experian is staggering. It can cause borrowers to be inundated with 50 to 150 text messages, phone calls, and emails within 72 hours of their credit pull by the mortgage originator.  Many of these texts and phone calls can be predatory in nature confusing the borrower on who is collection their information. Our legislative ask was to encourage and back legislation, like H.R. 2656 introduced this month, that eliminates trigger leads. If elimination is not possible then the borrower should have the option to “opt in” to their personal information being sold.

Lastly, Remote Online Notarization was passed by the House of Representative this Spring. We encouraged Senators to pass it in the Senate. This will enact a nationwide implementation of RON, it is already allowed in 43 states and the District to Columbia.



Looking forward, we have great sponsorships opportunities still available for our Annual Lending Conference August 9-11 at Soaring Eagle in Mt. Pleasant. The popular resort has gone through a major hotel room, lobby, and pool renovation. Its high-end additions include Ruth’s Chris Steak House. Our keynote speakers Bill Cosgrove, President and CEO of Union Home Mortgage, and David Stevens, former FHA commissioner and Mountain Lake Consulting CEO, will provide industry insight for the next 5 years. Look forward to seeing everyone there! 

Name: Josh Pulsifer              

Company: Transnation Title

Occupation/Position: Account Executive

Family: Beautiful wife of 10 years Amanda, 4 boys- Ayden (18), Korben (17), Talen (16), and Hezekiah (6)

Hobbies: I love to hang with family and friends. I love to play golf and basketball. I also love to play Texas Holdem. 

Pets: 1 Dog named Mia, and 1 cat named Chico

Years in the business: 3

Years as an MMLA member: 3

Why are you involved with the MMLA...what does it mean to you? The MMLA was the first association I joined when I started my career with Transnation. Shout out to Allister Lynch and Mike Fontana for all of the introductions. You two made sure to introduce me to everyone. I noticed right away I wanted to join this group. Everyone I met was inviting and willing to help me by connecting with others. I love the social aspect, giving back, and the support of this group. We are all willing to help one another, whether that’s in business or something on the personal side. I appreciate all of my peers in this group.

Why you think others should become an MMLA member? I believe others should become a member to be a part of the community. If you are in this business, networking is the most important part. There are multiple networking opportunities to get involved with. Educational resources are available at some of our events. Overall, it has been a wonderful experience and I have gained some great friends.

What is a fun or interesting fact about yourself?? My wife and I were once part of a Latin Dance team. I won a world champion street ball tourney in South Carolina in 2004. (Gus Macker). I am huge Lions and Michigan fan (GO BLUE!). MJ and Tom Brady are the GOATS. 

Any other comments or tidbits you would like to add about yourself or your involvement with the association? I am the VP of the West Chapter. J

Do you have news to report, an award or recognition to spotlight, job change, etc.? If so, send to joanne@mmla.net and we will try to include it in an upcoming newsletter.