“Mortgage credit availability rose gradually in May and has increased for five consecutive months. The overall supply of mortgage credit is still close to 2012 lows, but is slowly increasing,” --Joel Kan, MBA’s Vice President and Deputy Chief Economist

For some working in mortgage lending, having two separate examinations simultaneously--one with a state regulator and one with a federal entity--wouldn’t exactly be a good day. But for Karol Villavicencio, it sparked a passion and a career in mortgage compliance.