
What the M
Do you ever wonder who is behind the scenes collecting and processing all those monthly mortgage payments throughout the entire country? In the world of residential mortgages, the mortgage servicing industry is a critical but not always visible player in the lending and home ownership process. Unveiling how mortgage servicers manage the residential homeownership industry is the concept behind “What the M,” a new podcast that discusses the complex issues facing default services and the path forward for the mortgage industry and homeowners alike. The industry is comprised of more than 160 mortgage servicers representing more than 80% of the outstanding principal balances on mortgages in the U.S. Without the involvement of these vital mortgage servicers, obtaining and maintaining a home mortgage as we know it would not exist.“‘What the M’ features industry movers and shakers discussing the challenges faced by mortgage servicers, law firms and the American homeowner,” said Stephen Hladik, one of the co-hosts for the podcast and chair of the Advisory Council of the Legal League 100. “We will discuss trends in the economy, regulatory oversight, changes in the law, changes in technology and a myriad of other factors affecting the industry.”Hladik and co-host Kent McPhail are experienced attorneys with multistate practices in the default servicing industry. Both have decades of experience representing secured creditors; however, each host brings his own unique perspective to the podcast. McPhail hails from the Deep South (think boiled peanuts and shrimp & grits), while Hladik hails from the Northeast (think cheesesteaks and scrapple). “With this Yin and Yang, we hope to bring an entertaining and informative approach to the industry and those who make it hum,” McPhail said.Episodes of “What the M” begin airing mid-September and can be found wherever you listen to podcasts.
Episodes
50 episodes
Episode 50 - Walter Mullen & Michael Keaton
The 50th episode of “What the M” features Walter Mullen and Michael Keaton from Onity Group, Inc.This episode focuses on the changes taking place on a state and federal level within the default servicing industry, the record-high credit ...
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Season 3
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Episode 50
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36:22

Episode 49 - Michael Merritt Returns
The 49th episode of “What the M” features the return of Michael Merritt, Senior Vice President of Customer Care and Default Mortgage Servicing at BOK Financial.This time around on "What the M," Michael is here to share his thoughts on th...
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42:35

Episode 48 - Dusten Hendrickson
The 48th episode of “What the M” features Dusten Hendrickson, Founder and CEO of Mailbox Money. Mailbox Money specializes in transforming real estate development through strategic land selection, wellness-focused design, and innovat...
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Season 3
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Episode 48
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29:52

Episode 47 - Ty Miller
The 47th episode of “What the M” features Ty Miller, Managing Director at Annaly Capital Management. Ty graduated from Missouri State University (Go Bears!) with a BS in Psychology and Management. He has held executive leadership ro...
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32:29

Episode 46 - The Year in Review
The 46th episode of “What the M” features Kent McPhail and Stephen Hladik with a year-end wrap up of 2024. Check it out to find out what happened (and didn't happen!) in the default servicing industry in 2024, and what Kent...
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19:20

Episode 45 - Jenny Lee and Matt Watson
The 45th episode of “What the M” features Matt Watson, President of LegalFee Consultants, LLC and Jenny Lee, Senior Consultant for LegalFee Consultants, LLC. Today’s episode is about a challenge many law firms face daily: the ...
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23:40

Episode 44 - Matt Reilly
The 44th episode of “What the M” features Matt Reilly, Business Development Specialist at Stonecrest Financial.Matt received his Bachelor of Science in Architecture. He moved into the mortgage industry working with Empire Mortgage, Inc. ...
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Season 3
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Episode 44
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30:31

Episode 43 - James Lee
The 43rd episode of “What the M” features James "Jim" Lee, President and CEO of Susquehanna Polling & Research, Inc. and Owner of the Bartlett Group. Susquehanna Polling and Research (SP&R) is a nationally recognized ...
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Season 3
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Episode 43
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35:51

Episode 42 - Gary Seitz
The 42nd episode of “What the M” features Gary Seitz, Chapter 7 Panel Trustee in the United States Bankruptcy Court for the Eastern District of Pennsylvania. Gary graduated with his J.D. from the University of Iowa College of Law in...
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Season 3
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Episode 42
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37:39

Episode 41 - Making a Difference: A Lifetime of Inspiring Mentors
The 41st episode of “What the M” features Kent McPhail, Senior Partner of McPhail Sanchez, LLC.In celebration of the 30th anniversary of Kent’s law firm, McPhail Sanchez, What the M co-host Stephen Hladik interviewed Kent about his mento...
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33:35

Episode 40 - Rick Sharga & Daren Blomquist Return
The 40th episode of “What the M” features the return of Rick Sharga and Daren Blomquist.In the first 2 seasons of What the M, Kent and Steve were fortunate enough to interview an incredible roster of talented professionals about their in...
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51:36

Episode 39 - The Last Question (Season 2 finale)
The 39th episode of “What the M” features ALL of our wonderful season two guests!Welcome to the season 2 finale of What the M! This season, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Each guest has ...
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Season 2
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Episode 39
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28:33

Episode 38 - Jodi Gaines
The 38th episode of “What the M” features Jodi Gaines, Chief Executive Officer at Claims Recovery Financial Services (CRFS). Jodi began her career as an insurance claims clerk at Anchor Mortgage Services in 1989, where she became en...
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33:18

Episode 37 - Joe Culver & Jeff Pinard
The 37th episode of “What the M” features Joe Culver and Jeff Pinard. This week, we zigged instead of zagged! Typically, What the M does not focus episodes on state-specific issues; however, the current regulatory environment in New...
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Season 2
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Episode 37
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31:29

Episode 36 - Steve Paton
The 36th episode of “What the M” features Steve Paton, CEO of Universal Component Lender Services (UCLS). Steve has a Bachelors of Science in Business Administration and Finance from Sacramento State University. He has held senior l...
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Season 2
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Episode 36
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35:14

Episode 35 - Cesar Hernandez
The 35th episode of “What the M” features Cesar Hernandez, CEO of Agility 360. Cesar received his Bachelor of Science from the Wharton School of Business at the University of Pennsylvania, and has now been in the mortgage and defaul...
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Season 2
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Episode 35
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37:50

Episode 34 - Courtney Thompson
The 34th episode of “What the M” features Courtney Thompson, Executive Vice President and Head of Servicing at CMG Financial. Courtney has a BA from Western Michigan University and a JD from Michigan State University. She began her ...
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Season 2
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Episode 34
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37:03

Episode 33 - Rick Hicks
The 33rd episode of “What the M” features Renardo “Rick” Hicks from Eckert Seamans, LLC. Rick received his BA in Government from Hamilton College, his JD from Northeastern University, his LLM from Temple University. Rick also holds...
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Season 2
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Episode 33
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38:59

Episode 32 - Mark Calabria
The 32nd episode of “What the M” features Mark Calabria. Mark is an author, advisor, economist, and the former Director of the Federal Housing Finance Agency (FHFA). Mark received his BA in Economics, as well as his PHD in Economics...
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Season 2
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Episode 32
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39:06

Episode 31 - Jason Myers
The 31st episode of “What the M” features Jason Myers, Vice President of Business Development at MCS (Making Communities Shine). MCS is a nationwide property services provider working across commercial properties, single-family rent...
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Season 2
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Episode 31
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31:26

Episode 30 - Judge Annette Rizzo
The 30th episode of “What the M” features the Honorable Annette M. Rizzo. Judge Rizzo was gracious enough to drop by to discuss mortgage foreclosure mediation programs, how the model was developed for courts, the success rates seen ...
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Season 2
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Episode 30
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51:16

Episode 29 - Bankruptcy with Brooke Sanchez Part 2
The 29th episode of “What the M” features Brooke Sanchez, Managing Partner of McPhail Sanchez, LLC.With Kent out of the office, his law partner, Brooke Sanchez (literally) stepped up to the mic! Brooke is not only the Managing Partner of...
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Season 2
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Episode 29
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25:49

Episode 28 - Erik Qualman
The 28th episode of “What the M” features internationally renowned author and speaker Erik Qualman.Erik stopped by “What the M” to discuss his latest book, The Focus Project, and how it can help leaders, lawyers, and anyone else...
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Season 2
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Episode 28
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31:04
