Enable people to achieve the dream of homeownership and financial well-being
FinLocker is a secure financial fitness tool that aggregates and analyzes a consumer’s financial data to offer a personalized journey for the consumer to achieve loan eligibility for a mortgage and other financial transactions.
Consumers benefit from personalized recommendations, homeownership and mortgage education, credit score, credit report and monitoring, cash flow analysis, budgeting, goal planning, data sharing, real estate search, and more. Mortgage lenders, originators, and other financial institutions can private-label FinLocker to generate and nurture leads, streamline the loan process, cross-sell value-added products, reduce costs, and create customers for life.
The FinLocker Team
We have over 100 years of mortgage industry expertise and a passion for placing people into homes.
We are a collection of engineers, builders, brewmasters, mortgage bankers, technologists, grillers, and hikers.
Meet the FinLocker Leadership Team
Our team includes experienced industry executives representing a diverse background in mortgage banking, technology, cybersecurity, consumer credit, real estate, mortgage legal and compliance, venture capital, data and software-as-a-service platforms.
Chief Executive Officer
Henry brings a wealth of leadership and financial services experience to FinLocker, having served in several executive capacities during a successful 27-year tenure at Fannie Mae. Prior to joining FinLocker, Henry was Fannie Mae’s Senior Vice President and Head of Digital Products, and served as Fannie Mae’s Chief Data Officer. While at Fannie Mae, Henry oversaw the design, development, and launch of the company’s digital products and services across the residential mortgage loan life cycle. He was also responsible for fostering the integration of Fannie Mae’s technology and business infrastructure with that of its customers. Earlier in his career at Fannie Mae, Henry helped design, build, and distribute Desktop Underwriter, which is the most widely used automated underwriting platform in the mortgage industry today.
Brian has over 25 years bank lending and mortgage experience. He was SVP Third Party Originations, Wholesale & Correspondent Lending at Flagstar Bank. Brian was SVP at Aurora Bank; SVP at Indymac Bank; and National Sales Director at CitiMortgage.
Chief Technology Officer
Bryan has over 25 years technology and data leadership experience. He was CTO of Equifax, a global consumer, commercial, and workforce information solutions company. Bryan was SVP Technology of TALX, a workforce solutions company.He was part of the original team that developed and grew the widely used The Work Number product, now part of Equifax. He is also a General Partner and a senior mentor for SixThirty, a financial services accelerator.
Executive Vice-President, Head of Strategy & Product Development
PB has over 20 years of mortgage technology and consulting experience, with ten years in executive leadership positions at Fannie Mae in product development, data management, and digital business architecture. PB also has extensive experience in customer engagement, design thinking, digital business strategy, and product development to FinLocker.
Senior Vice President, Customer Success
Chris has over a decade of mortgage technology experience. He served as General Manager and Sr. Director of Product at Equator, an Altisource business unit providing industry-leading default servicing technology. His expertise is in leading enterprise-level implementations and B2B onboarding, including national banking brands such as Bank of America and Fannie Mae.
Senior Vice President, Product
Andria draws on a wealth of experience in consumer product management and product strategy to lead the development of the FinLocker product to prepare consumers for homeownership and achieve other financial goals. Prior to joining FinLocker, Andria led product development for CreditWise from Capital One, a B2C credit score monitoring and improvement tool used by tens of millions since 2014. Andria also spent a decade in management consulting for financial services, working with Boston Consulting Group (BCG) and later with mission-driven strategy firm Dalberg Advisors, where she co-led their global Financial Inclusion practice.
Senior Vice President, Head of Sales
Matt is a consultative and relationship-driven sales leader with experience in retail banking and mortgage lending focused on growing FinLocker revenue through new customer acquisitions. Prior to joining FinLocker, Matt was Chief Revenue Officer with Nomis Solutions, Senior Vice President of Sales with LoanLogistics, and Director of Federal and National Accounts with Interthinx.
Board of Directors
Barry Sandweiss has over 20 years leadership experience in real estate and real estate finance. He is a General Partner at Cultivation Capital (venture capital firm) and SixThirty (financial services accelerator).
Tim Stern has over 25 years leadership experience in real estate and real estate finance. He is a General Partner at Cultivation Capital (venture capital firm) and SixThirty (financial services accelerator).
Co-Founder, Managing Director & General Partner, Cultivation Capital
Cliff Holekamp is Co-Founder, Managing Director & General Partner with Cultivation Capital. Cliff’s Board service in the portfolio includes LockerDome, Benchmark Email, PolicyEngage, FinLocker, Clever Real Estate, Resilia, and Element451.
Brian O’Reilly has over 30 years mortgage and legal experience. He is Advisory Board Member to Reconstruct, Inc, and Board member and Non-Executive Chairman with Clarity Grid Solutions.
Senior Vice President - Mortgage Business Leader, TransUnion
Joe Mellman is Senior Vice President, Mortgage Business Leader with TransUnion. He oversees the development and execution of TransUnion’s mortgage strategy and product suite, and is responsible for the business’ P&L.
Phil Bracken has over 40 years mortgage banking and government relations experience. He is Managing Director of Government and Mortgage industry relations with VantageScore Solutions, Chairman and Founder of America’s Homeowner Alliance, and Co-Chairman of the Consumer/Lender Roundtable in Washington D.C.
Jason Clark has over 20 years cyber security expertise. He is the Chief Security Officer & Chief Strategy Officer with Netskope.
Ari Karen has over 20 years mortgage compliance and legal experience. He is a Principal Attorney at The Offit Kurman law firm, and Founder and CEO of Strategic Compliance Partners, a mortgage compliance consulting business and Offit Kurman subsidiary.
Paul Mullings has over 40 years mortgage banking experience. He is Managing Director at The Collingwood Group.
Kevin Peranio has over 20 years in mortgage banking. He is the Chief Lending Officer responsible for all loan production at PRMG, a leading mortgage lender.
Want to learn more about how FinLocker can help?