What the M

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.


July 7, 2023 17 mins

Did you miss us? 

Kent and Steve *were* taking a brief summer hiatus before Season 2 of “What the M” drops in September. But when a fascinating U.S. Supreme Court decision was issued, Kent and Steve couldn’t wait that long to talk about it with you! 

In this case, Lac du Flambeau Band of Lake Superior Chippewa Indians v. Coughlin, the Court departed from prior law and abrogated the Tribe’s sovereign immunity in ba...

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Welcome to the season finale of What the M! You won’t want to miss this episode. 


Since the podcast began in September 2022, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Every season 1 guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has provided valuable information to What the M’s listeners. Each guest is unique, but they all have one thing in ...

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May 12, 2023 30 mins

This week on What the M, Kent, and Steve returned to the faithfully commerce-driven city of Dallas, TX in anticipation of the Legal League Servicer Summit. While there, Kent met with the Latinas in Power ("LIP") for a fun evening of dinner and fantastic conversation and camaraderie, recording the podcast the next morning with Steve and a few of the LIP ladies: Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo. 



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This week on What the M, Kent and Steve have a very special guest!  


In advance of next week’s Legal League Annual Spring Summit, Kent and Steve decided that an interview with one of Legal League’s rising stars, Brooke Sanchez, was in order! 


Brooke received her undergraduate degree from the University of South Alabama (Go Jags!) and her JD from Cumberland School of Law. Brooke represented debtors in consumer bankruptcy for more th...

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April 7, 2023 24 mins

This week on What the M, Kent and Steve interview Toniqua Green, Vice President of Corporate Social Responsibility at Mr. Cooper. Mr. Cooper prides itself on challenging the loan servicing status quo – so as an industry innovator, Toniqua is right at home there!


Toniqua attended Roberts Wesleyan College, where she received her Bachelors Degree in organizational management. She then earned her Masters Degree in Education from Univer...

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March 24, 2023 18 mins

It's that time again... time for a new episode of What the M! 

This week, Kent and Steve interview Jerry Mavellia, CEO of Guardian Asset Management Inc. Founded in 2007, Guardian has successfully managed and protected valuable assets for the US Department of Housing and Urban Development, federal, state, local government agencies, and private mortgage banks. Guardian is a passionate, forward-thinking preservation...

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March 10, 2023 22 mins

Episode 13 of What the M is anything other than unlucky!


This week, Kent and Steve interview Dave Van Horn, Executive Chairman of PPR Capital Management. After attending West Chester University of Pennsylvania (Go Golden Rams!), Dave got together with a couple of friends, started an entity, and grew it into a juggernaut within the mortgage and note-buying industry. PPR is now a financial services firm that primarily assists private...

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February 24, 2023 7 mins

Straight from the MBA, it’s a mini-episode of What the M!

Flying solo this week while attending the Mortgage Bankers Association Conference in Orlando, Kent ran into someone he just had to have on the show!

Gina Daya is the Vice President of Operations at Hello Solutions. Since 2017, Hello Solutions has made a name for itself in the default servicing industry by creating meaningful business partnerships between la...

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February 10, 2023 22 mins

Happy Mardi Gras from Mobile, Alabama!
To celebrate this extra-festive season, we of course needed an extra-spirited guest. Who better than Kent McPhail himself?
Kent is the Founder and Managing Partner of McPhail Sanchez, LLC. He received his undergraduate degree from the University of Southern Mississippi (To the Top!) and his Juris Doctorate from the University of Mississippi School of Law. Upon graduation, K...

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January 27, 2023 30 mins

Just in time for Groundhog Day, Kent and Steve have their own forecaster on this week’s episode of What the M! But instead of predicting the weather, this guest can predict the economy. 


Rick Sharga is the Executive Vice President of Market Intelligence at ATTOM Data Solutions, a provider of comprehensive real estate data for companies in the mortgage, insurance, finance, and government markets. Rick is one of the country’s most fr...

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January 13, 2023 24 mins

Happy New Year from What the M! Kent and Steve are ringing in 2023 with a fascinating guest.

John Bell III attended Lambuth University in Jackson, Tennessee before spending more than 15 years in the private sector, including serving as the Vice President of VA Real Estate Management at Bank of America.  John is a Navy Veteran who served in both the Gulf War and Operation Restore Hope. This background makes John uniquely s...

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December 30, 2022 18 mins

Welcome to a special holiday edition of What the M! 

This week, Kent and Steve get in the spirit of the season by interviewing Stanley C. Middleman, Founder and CEO of Freedom Mortgage, about his and his company’s incredible devotion to philanthropic work. One of the largest FHA and VA lenders in the country, Freedom formed “Team Freedom Cares,” (TFC) which focuses on providing support for underserved communities, in 2013....

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December 16, 2022 20 mins

Happy holidays from What the M! This week, Kent and Steve have a very special guest… Steve himself!

Stephen Hladik is a partner at Hladik, Onorato, and Federman, LLP. He received his undergraduate degree from Penn State University (Let’s Go State!), before going on to Widener University for law school, where he graduated with honors. Upon graduation, Steve went to work for the Pennsylvania Attorney General’s Bureau of Con...

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December 2, 2022 26 mins

It’s Flagstar Friday! On this week's episode of What the M, Kent and Steve interview Amy Neumann, the FVP of Late-Stage Delinquency, Foreclosure, and Bankruptcy Operations at Flagstar Bank. 

Amy has a BS from Oakland University and a JD from Wayne State University Law School. She spent 12 years in private practice at Trott Law, where she was the Senior Managing Litigation Attorney. She then transitioned to the servici...

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November 18, 2022 28 mins

On this week’s episode of What the M, meet the “James Madison” of the Mortgage Industry! Kent and Steve talk with Marcel Bryar, Founder and Managing Director of Mortgage Policy Advisors, LLC. 

Marcel earned a BA in history from Yale University and his Juris Doctorate from Yale Law School. Marcel is perhaps best known for leading the development and implementation of the Making Home Affordable program during his tenure as V...

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November 4, 2022 21 mins

It’s that time again… for a new episode of What the M! 

This week, Kent and Steve interview John Dunnery, Vice President of Claims at Mr. Cooper, and ask him about changes in finance regulation. 

John has a BA from Boston University, a Master’s Degree from the University of Oklahoma, and a JD from the University of Tulsa. He has held senior loan servicing roles with Pacific Union Financial, JP Morgan Chase, Wachov...

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October 21, 2022 16 mins

It’s Financial Friday! This week, Kent and Steve interview Larry Goldstone, President of Capital Markets and Lending at BSI Financial Services. 

BSI is a loan servicer that endeavors to enable sustainable home ownership by practicing core values that embody doing what’s right, delivering on expectations, and winning with humility. Larry himself also embodies those values, as you will hear! 

Larry has a BA in Econo...

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October 7, 2022 14 mins

Kent and Steve are back with another industry leader! The second episode of “What the M” features Jesse Loomis, the President and General Manager of Bid4Assets, Inc. Bid4Assets is a leading online auction site that assists county governments in conducting foreclosure and tax foreclosure auctions virtually. Bid4Assets pioneered virtual public auctions back in 2000 and has sold over 100,000 properties for county governments. 

Jesse is...

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September 9, 2022 1 min




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...

Mark as Played

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