CBA Webinars

CBA Team Contact

Jake Fowler

Mortgage Pricing Analytics: Maximizing Revenue


Zach Wise, Director, Novantas 
David Giles, Director, Bank of America
Justin Whitener, Director of Analytics and Pricing, Ally Bank
Andrew Frisbie, Managing Director, Novantas


Significant pressures on mortgage origination margins have impacted lenders from both sides of the P&L.  Bank originators are facing a difficult task—handling a cyclical decline in total originations and a shift to purchase alongside added competition from non-bank mortgage companies pressure revenue.  On the expense side while all face increasing compliance and regulatory costs, leaving superior margin management capabilities as one of the sole near-term controllable drivers to maintain ROE and volume plans.

This webinar will focus on benefits and uses of pricing analytics and strategy navigating today’s thin margin environment on focus and planning in this increasingly important topic.


  1. Achievable results through relationship pricing, purchase specials, regional based pricing strategy, and other applications
  2. Price exception, competitor matching, and sales driven strategy relating to competitive price in the industry
  3. Case study examples from leading practitioners of mortgage pricing analytics in the industry


  1. Understanding the role of price elasticity modeling and demand based pricing
  2. Overview of how an analytical pricing framework can benefit with sales-feedback
  3. Risks and areas to avoid when developing and implementing an optimization framework

Zach Wise

Director, Novantas

Zach Wise is a Director at Novantas leading the Mortgage and Home Equity Product and Pricing Consulting Practice since early 2015. Prior to Novantas, Zach worked in industry at Bank of America where he led Mortgage Pricing Strategy, Home Equity Pricing, and Deposit Pricing teams. He has an MBA from Wake Forest and a B.S. in Statistics from Virginia Tech.

David Giles

Director, Bank of America

David Giles is a Director at Bank of America responsible for enterprise alignment of First Mortgage pricing, valuation of portfolio mortgages, and risk-based pricing. David’s other roles at Bank of America and predecessors span over 15 years and include First Mortgage Margin Management, Capital Management (LOB Integration and CCAR), Acquisition Transition, and Finance.  Through each of these roles, his focus has largely been on creating new business processes, improving existing practices, and driving significant financial benefit

Justin Whitener

Director of Analytics and Pricing, Ally Bank

Justin is the Director of Analytics and Pricing at Ally Home Loans, a division of Ally Bank, the 22nd largest bank by assets and over $75B in deposits.  His team drives the daily pricing, reporting, analytics, and the lock desk as well as developing new pricing strategies and modeling. Prior to joining Ally, Justin spent thirteen years at Bank of America covering several areas across Credit Risk, Regulatory Capital, Corporate Forecasting, Finance, and Mortgage Pricing

Andrew Frisbie

EVP, Head of Consumer Pricing, Novantas

Andrew is an EVP at Novantas with over 15 years of experience in product and pricing strategy, LOB strategy, and balance sheet management. He has also led engagements in stress testing, CCAR, corporate forecasting, and merger integration. His mortgage experience includes building demand elasticity models for a big-4 UK bank, introducing elements of risk-based pricing into another non-US market, and evaluating US servicing advance financing offerings during the GFC.  He has been published widely in articles and press quotes. Andrew is a magna cum laude graduate of Princeton University.

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