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Purchase mortgage applications continue to decline, falling to their lowest level since the start of the spring, as supply constraints limit homebuyer activity, according to the Mortgage Bankers Association.

Despite today's high tech salaries, two-income households, and a swelling economy, the current generation of Bay Area residents spends much more of their income to buy a house compared to their parents and grandparents.

Rachel Lyubovitzky is CEO and co-founder of EverythingBenefits, the leading provider of next-generation automated benefits technology that uncovers hidden costs, eliminates errors and helps keep companies compliant.

Chris Wicker is head of partner sales at Xero Americas. As part of the U.S. leadership team, he helps lead all of Xero’s partner growth channels. Prior to joining Xero, Chris was the North America director of accountant partner sales at Sage, and has held senior roles at Restaurant365 Software, Abila, and YourMembership.com. Chris holds an MBA from Southern Methodist University.

Joseph Doyle is the Erwin H. Schell Professor of Management and Applied Economics at the MIT Sloan School of Management and co-chair of the Health Sector at J-PAL North America.

Sarah Reimer is the Medical Director of Population Health Research at Aurora Health Care.

Lars Sandtorv is CEO of WeaWallet.

Christopher Richards is the chief banking services officer at Cape Cod Five Cents Savings Bank in Harwich Port, Mass. He was recently appointed as a community bank representative to The Clearing House’s Real-Time Payments Business Committee.

In the constant search for metro areas offering affordability and purchasing power, consumers abscond exorbitantly priced big cities in favor of alternative locales further inland.

The Delaware company, best known for issuing prepaid cards, has ramped up commercial real estate securitizations. The shift promises to deliver big fees, but it could also cause headaches if defaults spike.