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Raju Seetharaman is Senior Vice President, IT and Transformation of Legal & General America’s insurance division, which includes operating companies Banner Life Insurance Company and William Penn Life Insurance Company of New York. He is responsible for IT and Transformation strategy, IT operations and change management with the mission to combine business strategy with cutting-edge IT expertise, to deliver efficient, effective solutions that helps Legal & General America achieve a market-leading position. Raju is an Engineering Graduate and lives with his wife Nirmala, in North Potomac, MD.

Average purchase sizes have also fallen by almost 11% after reaching a record high this spring.

Randall Shepard, CPA, is a partner at The Bonadio Group. He has been providing professional and personal consulting and auditing services to his clients for over 25 years. As government practice leader, he oversees all of the services provided to government entities throughout the firm.

Wes Erlam is Director of Urban Regeneration at Legal & General Capital, one of the UK’s leading financial services groups and a major global investor, with international businesses in the U.S., Europe, Middle East and Asia, with some $1.8 trillion in assets under management.

Consumer confidence has fallen as borrowing costs increase.

With tight inventory and rising rates posing challenges to today's home buyers, mortgage lenders face a tricky environment for maintaining volumes. National Mortgage News chats with three of the top-ranked producers of 2022 to discuss strategies to stay competitive in the months ahead.

Alternative data verifications used in non-qualified mortgage underwriting have increasingly been used by government-sponsored enterprises in response to expansive Biden-era housing goals, volatile rates and evolving technology.

American Banker interviewed the Consumer Financial Protection Bureau chief about his views on Big Tech, the qualified mortgage rule, real-time payments apps and more.