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David Julian of Wells Fargo & Co. is back in familiar territory. Wells, the nation's largest residential lender and servicer, named Julian, 50, its next chief auditor - a title he held at Wachovia Corp.

Summit Bank, Oakland, said that Andrea Head has joined the bank as executive vice president, real estate division.

VITEK Mortgage Group named Jason Mata branch manager of its Sacramento office.

LenderLive Network Inc. said that Patrice Power has joined the company as senior vice president of marketing.

As companies like MetLife exit the business, creating new office and personnel recruitment opportunities for mortgage lenders, a survey from Hammerhouse LLC of originators found that 42% are looking for corporate culture and leadership from a possible new employer.

First off, I'd like to thank the crew at Bank of America for continually giving mortgage reporters and editors something to write about. Don't get me wrong--there's plenty of good stories out there. And let's face it--and you read it here first: What happens regulatory and legislatively over the next three to four years should shape the future of this industry for the next 50 years.

Real Estate Mortgage Network Inc. added Kathryn Paige to the company's River Edge, N.J., location.

Wendover Consulting Inc., Greensboro, N.C., a consulting firm focused on servicing the reverse mortgage industry, said that Kenneth Kanady joined the firm as managing director of learning and development.

United Guaranty Corp., Greensboro, N.C., the nation's third largest mortgage insurer, Tuesday named Kim Garland to be the firm's new president and CEO.

The national mortgage delinquency rate fell to 7.97% in January, a slight sequential improvement, and an 11% drop from the same month a year ago, according to "first look" figures compiled by Lender Processing Services.