November Connections

NOVEMBER 2022 WE WANT TO SAY Spotlight: HR Benefits Page 10 Thank You Messages Page 14 Employee & Team Highlights Page 18

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 06 October By the Number$ 07 HOME Value of Focus: Explore Possibilities Rick Cardillo | President/CEO 08 Employee Recognition Jim Modrycki | SVP Production 10 HR Benefits: Awesome Facts about our Benefits Danny Jasper | EVP Capital Markets Perris Bullard | SVP Credit Risk Colleen Fisher | SVP Operations Samantha Bateman | SVP Compliance Scott Gonzalez | Chief Financial Officer Katie Evans | SVP Human Resources Connections Production Staff Ali Carver | Editor & Employee Engagment Manager Brittnee Talley | Designer 14 Thank You Messages 16 Castle Cares: Project Elf 18 Employee Highlight: Kellie Edmondson 19 Employee Highlight: Ricky Montanez 20 Team Highlight: Murray, UT 13751 South Wadsworth Park Drive, Suite 101, Draper UT 84020 Copyright 2022 | Castle & Cooke Mortgage, LLC | NMLS #1251 Equal Housing Lender | All Rights Reserved

Birthdays Anniversaries Welcome Jeff McConnell, Dec. 4 Patrick Flanagan, 14 years Tiffany Agpaoa | Loan Officer Amanda Church, Dec. 5 Keeley James, 11 years Dana Worthington | Branch Luz Encarnacion, Dec. 7 Gregory Cook, 11 years Manager Kellie Edmondson, Dec. 9 Fadia Eramya-Sealy, 10 years Kay Larue | Sr. Loan Officer Dave Sunderman, Dec. 13 Michelle Mannos, 7 years Virginia Lara | Loan Processor Doug McGregor, Dec. 13 Denise Haraseviat, 6 years Guadalupe Valencia, Dec. 15 Leanne Neal, 6 years Bob Little, Dec. 18 Rodney Jones, 6 years Ricky Montanez, Dec. 18 Suzi Boyle, 4 years Jared Campbell, Dec. 22 Dan Taylor, 3 years Michelle Lynch, Dec. 22 Alexis Mummert, 2 years Samantha Bateman, Dec. 22 Channing Craig, 1 year Christin Richardson, Dec. 26 Anna Grimstad, 1 year Loren Lavender, Dec.30 David Smith, 1 year Sam Owens Hess, Dec. 30 Daniel Carter, 1 year Wendi Quigley, Dec.30 Eric Sousa, 1 year Jennifer Olson, Dec. 31 Tami Fall, 1 year

executive insights When I think of my 5.5 years at CCM, Earthquakes. it sometimes seems like we’ve had Riots and other civil unrest. more than our fair share of hard times Another California Exam… or obstacles. But then I remember the again…if you know, you know. saying “Tough Times Don’t Last; Tough Only half of an MLB season. Teams Do” and it rings so true. While Record low rates. reflecting on that short time we really Record high volumes. have endured a lot together…I compiled Skyrocketing home prices and a short list to illustrate: shrinking inventory. 2017 California Exam…if you know, you 2021 Trying to get back to normal. know. More Empower. A little less COVID-19 2018 Breaking off from the Murdock No Empower. empire. 2022 Realizing the “normal” we 2019 Out with the old and in with the found in 2021 wasn’t for real new leadership and the arrival and figuring out another new of Cardillo normal. Hawaii Exam – Aloha to PCCD Reviews on 450+ loans stretching over 6 months Iowa Exam and sorting out their fun rules. The Byte Crash aka The Nightmare Before Christmas 2019. 2020 2020…it’s all that really needs to be said, but here’s the short list: Empower. Toilet Paper shortages…who would have ever thought that would be a thing. COVID-19. Quarantine. Remote working. Masks.

executive insights People started getting the flu and even Compliance). The one constant other non-COVID illnesses again. that makes CCM truly great is all of us. Inflation. Skyrocketing rates, seemingly My little love note to all of Castle & Cooke overnight. Mortgage: I am very grateful for the Record low volumes. wonderful people that I work with across Losing great co-workers and this great company; some of the best I’ve employees. ever known. Tough Times Don’t Last, but 15 State/Agency Exams (so far…) our CCM Family will; I know that together Houston won the World Series we can endure and conquer it all! The rest is TBD. -Samantha Bateman, SVP of Compliance These are just a few of the headliners because some of them could fill their own novel, but when I look at these hard times that we have experienced together it is more and more obvious to me that we are one tough team…and more than that, we are one tough family. Tough Teams and Tough Families Last. If we dwell on the hard times instead of learning and growing through them, we can’t enjoy our great successes; this is true in our personal lives, relationships and in business. Sometimes our successes are simply that we survived our struggles and that we are still together. Take some time to remember those that you deal with daily or hardly ever and sincerely show them that you’re happy to be part of their family, not just as we head into the holidays but every day of the year. Every single person and function in this company is valuable and an important part of this family (yes…

OCTOBER by the NUMBER$ “October was another month of lower production compared to our past but right in line with what is happening in the industry right now” said Rick on his monthly Coffee with Cardillo call. “However, we did do slightly better than we did in September, and we saw an encouraging sign in our locked pipeline which showed a little extra life towards the end of the month. We hope to build on the little spark for November and to finish the year with momentum going into 2023.” Rick explained that the company funded $42.5 million in production which was 82% purchase business. He also detailed that we retained servicing on 30% of that production to further emphasize our commitment to maintaining and even building our servicing portfolio as a primary goal now and into 2023. “Last week was tough. We had to reduce our workforce as we continue to make sure our costs are in line with our current production. We see this level of production sticking around for a little longer and it is important for the long-term health of the company to make sure we are financially prudent today” Rick explained. He also made a point that we were not sitting back in idle just because the market is down and emphasized that we have hired several new producers who should all make an immediate impact on our bottom line. “Our new branch in El Paso is starting to really take off and we have added additional new producers in Oahu and Bakersfield, several of whom are former employees returning to the Castle.” Again, Rick mentioned that a primary goal right now is to continue to find additional opportunities that are available to help grow our production, including adding new product and features we do not currently offer. “We are looking at additional buy-down products, better ARM pricing, better Jumbo pricing, a full 203k outlet and some other niche products to help our producers be more competitive and to serve a wider audience.” He also pointed to all the great marketing options we have and encouraged all producers to take the time to review the latest Grow Time edition to see what is available to help them grow their production. Rick finished the call by restating the company’s commitment to the business and that we still had “bullets in our gun” as we continue to navigate the choppy waters of our industry right now. “We are in a good position because we’ve made the necessary moves before it was too late and are looking forward to crossing into 2023 with a growth mindset.”

Q4 • Help someone else get out of their comfort Explore Possibilities zone. You just may set the precedent that you challenge each other in your friendship. We grow and innovate by taking action and taking chances. • Speak up in a meeting, even if you don’t Each month in Connections we are focusing on feel confident or you’re afraid you’ll be the value of the quarter so we can learn more embarrassed. Your ideas can only take shape about it, practice it, and embody it! Q4 is Explore if you put them out there. Possibilities. • Hold your meeting outside. People work and Opening Your World to New Possibilities engage differently in new environments, particularly when they can feel sunlight on Do you know that well known quote that says, their faces. “If you want something you’ve never had, then Pick one of these out and try it today. You never you’ve got to do something you’ve never done.” know what type of ripple effect one small change Every day contains countless opportunities that can have on your life. are all dictated by the choices you make. If you are continually making the same choices, then Learn something new! Try a new hobby. Figure out a essentially, you’ll get the same results … What if new way of completing one of your daily tasks. Take you want new possibilities? What if you are ready a chance on something you’ve been thinking about. for growth? You’re ready for more? … Then what? … Then let us know how it goes. Email ccm-culture@ Where do you begin? castlecookemortgage.com and share how you “explored possibilities” by December 30th and be entered An article titled “50 Ways to Open your World to to win some free branded swag. New Possibilities” shares some ideas to get started as you make small shifts in thinking. Here’s just a few to get you started: • Challenge your beliefs about what you can and can’t do. Maybe you are a good leader. Maybe you can do hard things. • Have a vision session. Write in a journal, create a video, sketch—anything that lets you explore what excites you most. • Remove something from your life that doesn’t serve you to make room for something better and new. You never know what you might let in when you let something go. • Say yes to something you always talk yourself out of—sing karaoke or take a kickboxing class, even if you’re afraid of you’ll feel embarrassed. • Start something you always assumed it was too late to do. Take gymnastics, learn guitar. If it moves you, get started today. It’s never too late.

EMPLOYEE RECOGNITION What is it? Who should be nominated? Our Peak Performer and Rookie of the Month • If you have a coworker who’s gone above programs are your chance to show fellow employees how much you appreciate their and beyond on a recent project, hard work. These programs highlight the best nominate them! of the best on both the corporate and branch level, and they’re a great way to embrace our • If someone from another department company culture. helps your team, nominate them! Rookie of the Month • If your manager or colleague taught you a If you’ve been with Castle & Cooke Mortgage for less than a year, you can be nominated skill that makes your job easier, as a Rookie of the Month! We recognize two nominate them! employees each month during Coffee with Cardillo, regardless of location. Peak Performers If you’re selected, you’ll get movie ticket To be nominated as a Peak Performer, you must vouchers and a sweet hat! have been with Castle & Cooke Mortgage for at least one year. Each month, we recognize two VOTE HERE! Peak Performers during Coffee with Cardillo: one voted on by branches and one voted on ROOKIE OF THE MONTH by corporate. If you’re chosen, you’ll also get a $250 bonus and be entered into a drawing to attend the annual Summit Club awards trip! Did you know Castle & Cooke Mortgage is one of few mortgage companies that invites non- originators to the annual awards trip? VOTE HERE! PEAK PERFORMER

WINNERS PEAK PERFORMERS! RYAN DAVID GREEN JR. SMITH Junior Underwriter II Systems Engineer NOVEMBER 2022 Corporate Vote Corporate Vote David Smith, IT Systems Engineer is a huge help when others run into computer issues. Not only Ryan Green is always willing to help. He is often that, but he “always has a smile in his voice lending a hand to help with resubs, condos, or when he’s helping”. Thanks for going above and anything else that underwriting needs. Ryan does beyond in being helpful. You deserve this! a great job of asking questions and works to get things done quickly. Congrats on being named as one of this month’s Peak Performers Ryan! PEAK PERFORMERS! KEELEY CASSANDRA JAMES MILLS Product & Pricing HR Manager Manager Branch Vote NOVEMBER 2022 Cassandra Mills is being recognized as one of Branch Vote this month’s rookies of the month. She is always great to work with and is very friendly. Thanks Keeley is being recognized as one of this month’s for all you do Cassandra! peak performers! She does an excellent job and is always very responsive. One comment mentioned, “Keeley is always there to support us in the field”. You’re appreciated Keeley. Congrats!

HRMessage Benefits to Contributing to an HSA Awesome • Receive discount on your health care facts about expenses through tax savings our Beneftis • Utilize your HSA for anyone in your family Connect with CCM’s HR team who is your tax dependent or Spouse We are here to support you through the up • Prepare for unexpected medical expenses and downs of life, if you need anything at by keeping money in your HSA all or have questions about these resources don’t hesitate to contact us at all. • The HSA can grow year over year. [email protected] ◊ Even though there is a limit to how much you can contribute each year (Contribution limits for 2023 are $3,850 for employee only and $7,750 for family coverage) there is no limit to the total amount you can have in the HSA. • After you have more than $2,000 in your HSA you can choose to invest your HSA dollars HSA (Health Savings Account) What can I use the HSA for? If you opt into the High Deductible Health There are many things you can use the funds medical plan, you then have access to a in your HSA account for including but not savings account called an HSA (a Health limited to: Savings Account). Any money contributed to an HSA is YOURS, meaning you don’t lose • Over the counter menstrual items it year to year and if you were to ever leave • Acupuncture CCM, you would still have access to those • Ambulance funds. • Birth control pills/ prescription contraceptives • Chiropractor • Contact lenses • Crutches • Dental treatments • Eyeglasses/ eye surgery

• Hearing aids • From your mobile device, tablet or • Long-term care computer • Medicines (prescribed) • Optometrist • Connect with a doctor by phone or video • Stop-smoking programs • Get prescriptions, if needed • Therapy • Weight-loss program (prescribed) • Save up to $1,900 in comparison to the ER • Wheelchairs • Wigs (prescribed) Cost: Investing your HSA • $50 on the HSA (after you have met your deductible) Did you know that you can invest your HSA funds if you have $2,000 or more in your • $25 on the Traditional Plan HSA? Here’s some info: • C OVID questions are no cost • Once account balance exceeds $2,000, you can invest any amount over that Tips: initial $2,000. • Download UHC app • Self-directed to Advisor Transacted • Complete a brief medical history anytime options at myuhc.com/virtualvisits • 23+ Mutual Fund Options • Low Investment Load • There are 3 service options to expand access, no coverage differences Go to http://www.healthequity.com to learn more information about investing your HSA myuhc.com and UHC app or about an HSA account. • Search for Providers • View Claims Connecting with • Health plan ID Card your UHC medical • Check deductibles and out-of-pocket plan maximums Whether you need to find a provider, figure myHealthcare Cost Estimator out how much your healthcare will cost, • Search for Providers or don’t want to leave the comfort of your • View Claims home to get care, UHC has options for you! • Health plan ID Card • Check deductibles and out-of-pocket maximums Virtual Visits When you need care – anytime, day or night — Virtual Visits can be a convenient option. From treating flu and fevers to caring for migraines and allergies, you can chat with a doctor 24/7.

UHC Behavioral Virtual Therapy Health Benefits Reaching out may be hard—especially if Included with your UHC medical plan you you might not want anyone to know you’re have access to these behavioral health hurting. From the privacy of home and benefits to support those covered on your the convenience of your mobile device or plans’ emotional well-being. computer, you can receive caring support from a licensed therapist. Behavioral Health Solutions Sign in or register on myuhc.com. Then, go With Behavioral Health Solutions get to Find Care > Virtual Visits Directory > Virtual connected to self-help digital tools, Behavioral Care > Get Started behavioral health providers (in-person or virtual) and other resources that can help Virtual therapy offers confidential counseling with a variety of concerns such as: and includes: • Depression, stress and anxiety • Private video sessions • Relationship difficulties • Coping with grief and loss • Get 1-on-1 support—in your home and at a • Alcohol and drug recovery time that’s convenient for you. • Medication management • Compulsive habits and eating disorders • Help with coping — for children, teens and adults Sanvello • Your licensed therapist may provide a Sanvello is an app that offers clinical diagnosis, treatment and medication if techniques to help dial down the symptoms needed. of stress, anxiety and depression — anytime. Connect with powerful tools that are there • Similar standard of care as in-person for you right as symptoms come up. Stay visits engaged each day for benefits you can feel. Escape to Sanvello whenever you need to, • You can see the same therapist with each track your progress, and stay until you feel appointment and establish an ongoing better. relationship. How to sign up for Sanvello • Virtual therapy is designed to help treat • Download and open the Sanvello app conditions like: • Create an account and choose • ADD/ADHD “upgrade through insurance” • Anxiety • Search for and select United Healthcare then enter the information on your UHC • Mental health disorders medical insurance card • Addiction Questions? Email [email protected] • Depression

• Depression/Anxiety • Suicidal thoughts • Substance abuse • Manager tips • Resume writing • Interview tips All Employee What happens when you call the EAP? Behavioral Health Benefits A Care Coordinator (master’s level clinician) will confidentially assess the problem, assist The previous behavioral health benefits were with any emergencies and connect you to the tied to the UHC healthcare benefits. But not appropriate resources. these ones! These benefits are available for all employees, all the time! The Care Coordinator may resolve your need within the initial call; assess your need as a EAP- our Employee Assistance short-term issue, which can be resolved by an Program EAP counselor within the available sessions; assess your need as requiring long-term We all know that stress can impact care and assist with connecting you to a your personal health and your overall community resource or treatment provider performance. EAP stands for employee available through your health insurance plan. assistance program. It is an employee benefits program provided by a company How to utilize the EAP: (we use BHS) to help employees resolve issues that could impact their life. Assistance by EAP services are available 24-hours a day, 7-days a week. EAPs are offered to help support employee wellness, not just workplace stress. Here are Call: 1 (800) 327-2251 or some common reasons to why you may want to connect with the EAP or visit the Online: Go to bhsonline.personaladvantage. portal: com Enter username: CCM and click Login • Relation Issues • Birth/Death • Health/Illness • Marriage/Divorce • Promotion/Retirement

Thank yIt’s a great day to say... Sometimes all you need to make someone's day is to share with them some words of gratitude and appreciation. Employees communicated their appreciation for others for the November 2022 Connections. Check out all the messages of appreciation here

Scott Kirkessner, Dawn King, Thank you for all you do to support and You are an amazing processor, and involve operations with marketing! From our team couldn't function without helping with videos to posting the kudo's. you. Thank you for being such a It hasn't really been a thing in the past and key part of our team and always I really think it makes them feel more doing an outstanding job! connected with CCM. Appreciate all you –Joe Massey do to make this a better place to work! CCM Company & HR, –Nichole Belnap I want to thank the company for all the love Brenda Harris, and support you all have shown me while I Thank you for being there to help and just to have been battling cancer and going through listen if I need it. I appreciate everything treatment. Thank you to Rick, Katie and the you do :) HR team for being there for me and for –Desiree Hansel being so patient and amazing while I was JeNean McKellar, out. It was so nice knowing that my job cared Thanks for always keeping up on all so much and was willing to do all they could of the reports for the department. to help me get through. I am so grateful and Your help is invaluable! appreciative to work for such an awesome –Kori company and team! –Rita Quintana Wyatt Bullough, Jim Modrycki, Wyatt - for all the times you have come to Thank you for always believing in us my rescue, fixed my laptop, listen to me talk & being our greatest cheerleader trash about my laptop and still remained –Suzi Boyle funny and good natured. I have even managed to learn a few things. From the bottom of my heart, Thank you –Tami in Oakboro

Project Elf Each holiday season, The Christmas Box Physical gift cards can be turned in to International helps fill Santa’s sleigh for Dani Dougal or Nena Montague at the children, teens, and young adults in our Corporate Office. For those of you not in community who have been abused, the office, gift cards can be purchased neglected, or face homelessness. Their virtually at Walmart’s Website, use Dani mission is simple: every child deserves a Dougal as the recipient email. (ddougal@ childhood. castlecookemortgage.com) and put the message as “Project Elf”. For close to a decade, Castle & Cooke Mortgage has supported the Christmas Box In order to give parents time to shop for their House’s Project Elf. Last year, we surpassed children, gift cards must be turned in before our goal and were able to support the Christmas Box house in helping 2,647 children Monday, December 5th. have Merry Christmas. Castle & Cooke Mortgage employees are the Your Support is Needed most giving I’ve ever worked with. I know this year inflation is hitting us hard. Keep in mind, This year we’ve committed to providing 50 even if you can’t give what you have in past Walmart gift cards in the amount of $25 each. years, $25 can do A LOT for a child in need. These gift cards are provided to the families (2 per child/teen) to empower parents to Giving back is always in style. provide a positive holiday experience for their children. With love, Dani with CCM Events



EMPLOYEE HIGHLIGHT Kellie Edmondson VP of Compliance Kellie Edmondson has been with Castle & Cooke Mortgage for 5 years and is the Vice President of Compliance. A phone call from her brother asking to be his Loan Processor is where it all started and Kellie hasn’t been able to break away from the industry since as next month starts her 20th year. Kellie was born and raised in the Bay Area and will always have a love for the ocean...and her Bay Area sports teams. Kellie’s greatest accomplishments are raising her two sons…Ridge (12 years old) and Talon (8 years old). Free time is spent helping with homework and cheering them on in their sporting events and academic achievements. “Being a Boy Mom is the best!” Kellie enjoys sports of all kinds, the outdoors, scrapbooking, and spending time with family. FASCINATING FACT: Aside from the ocean, Kellie’s favorite vacation was when her family experienced a bird’s-eye view of Mt Rushmore while riding in a helicopter.

EMPLOYEE HIGHLIGHT Ricky Montanez Loan Officer, Las Vegas NV I was born in Los Angeles and moved to Las Vegas in 1995 to attend UNLV. It was my senior year where I took my first job in the mortgage business as a loan officer assistant. I graduated with a bachelor’s in accounting and intended to move back to LA, but I enjoyed my job and was learning so much that I postponed my move back home. Fast forward 20+ years later, I still live in the entertainment capital of the world and work for a great mortgage company. I’ve been working at CCM for 5 years, and I can say without a doubt that the people, culture, and support are what make it the ideal place to work. I have helped many families obtain their goal of homeownership while experiencing the expansive growth of our exciting city. I like to stay active and enjoy working out at the gym, running, hiking, and more recently, mountain biking thanks to Greg Price! He took me out onto the trail in 2020 and have been hooked ever since. FASCINATING FACT: All throughout elementary school, I was in the boy’s choir at my church and have had many solo soprano performances. And now, I can barely hold a note and the thought of me singing karaoke makes me anxious.

M ayUtah The Murray, UT, Branch of Castle & Cooke Mortgage opened it’s doors in May of 2020. Nestled right in the middle of Murray, UT. Branch Manager Stewart Bates, took an 18 month hiatus in 2018, and in 2020 returned to Castle & Cooke Mortgage with nothing but open arms. Stewart has been with Castle & Cooke as a Branch Manager for 13 years. Prior to hunkering down in Murray, he was the branch manager of the Castle & Cooke Union Park Office. The Murray office takes pride in what they do, and LOVE helping clients with the best service possible. Murray is a very tight knit team who love to work hard in order to play hard!

Stewart Industry Experience: I started in the business Dec 1986 when rates were 11-12% interest. My first loan was $58,000 as a refinance reducing the rate Bates from 17.5% to 11.5%. The borrowers were thrilled. Appraisals $95, lender fees $250 (which included credit, tax service etc.) Everything was done by snail mail including credit reports, VOE’s, VOD’s and appraisals. Back then did Branch Manager applications on two pages, (front and back) handwritten, 9-2900’s were 1 page, x 4 pages with carbon paper between each page, then flip them backwards so you could write or type on the other side. (4 colors, one for file, one for borrower, one for FHA, one for lenders file). We had Metes & Bounds, not legal descriptions, and FICO scores didn’t exist. No computers to calculate APR, we used an HP 12 C to calculate the APR… Things have changed a lot since then. The only thing not changed is how important it is to be honest and importance of customer service. I have had all positions in origination, from Loan officer, branch manager, Vice president etc. But my passion is being front line dealing with clients, and referral partners. I love what I do. A little bit about Stewart: I am married 40 years to an angel. She has put up with me for along time. She is the one that got me in the industry. Since she filled the operations part of the business since 1982 and retired in 2019. She taught me all I know about this business. Most of CCM knows my wife Pam, and knows that she is an angel. We have 4 children (3 boys, 1 girl), and 5 beautiful fun grandchildren (4 girls, 1 boy). They truly are the love of my/our life. I enjoy playing Poker, (played in the world series once) spending time with family, friends & acquaintance. I like make people laugh, even at my own expense. I sing, which you may never hear. I have a good eye (literally) for fine art. (collections I have acquired over the years) Favorite Vacation Destination: I am spoiled, because my back yard is my favorite vacation. It is where magic happens. People come to our home in the morning, and don’t leave until later at night. (Some ������stay longer) Pam and I pride ourselves in making people feel welcome at our home. They eat well, drink well, and the conversations are magical. Ask Danny J….. We have been to Mexico (Many times), Hawaii (many times), UK (many times), Italy, Denmark, and Spain soon in January. We also have a place in Las Vegas, and we enjoy spending leisure time there (Go RAIDERS!). Favorite Drink: Hmmmmm…. Do I have to pick one? I enjoy a nice Whiskey. Prefer Blantons, but settle for Jack. I like a good Martini, (shaken, not stirred), Red wine, and whatever someone has on hand. Scotch as well, with a good cigar and a rainbow!

Christina Industry Experience: I have been in the mortgage industry for 24 years. I have done all aspects of the Operations side of Mortgages. Started with processing which led to my own contract processing company. Changed Bush pace a bit in 2008 and worked on and learned the ins and outs of Construction Loans. Then changed pace again and ran a Broker Division of Loan Processor a local lender which then led to me running the Processing and Ops Department for that lender, and now I am back to processing. This business is constant change, and never a dull moment, especially when you work with Stewart! I love what I do! A little bit about Christina: I grew up in Layton, Utah and have 2 beautiful girls. We love spending time hiking or just hanging out in the mountains. Mexican food is my fav, and I live for the amazing sunrises and sunsets! Favorite Vacation Destination: Anywhere with a beach! I absolutely love the mountains, but I am a beach girl at heart! Favorite Drink: Love me some Tequila! Sean Industry Experience: I have been in the mortgage industry for 17 years, started out at a credit union and worked up to mortgage business development/MLO. Trease A Little Bit about Sean: I grew up in North Ogden, and graduated from USU with a BS in Marketing. I am the oldest of 5 boys, and I have three children Loan Officer and 2 dogs. We go camping, water and snow skiing in our free time. Favorite Vacation Destination: My favorite vacation was a cruise through Venice, the Greek Islands, and Croatia. Good food and lots of new things to see and experience. But I also like Cancun, nothing beats beer on the beach. Favorite Drink: My favorite drink is a girly drink. I like margaritas!