25 Years in the Business

For 15 years Scott has written articles for the top publications in the industry.  Currently, Scott is regular 
author for Mortgage Banking Magazine. Below are some of the articles that appeared in this magazine and 
several others.  These versions of the articles are not exact copies of the printed material as Scott relies on 
the editors to make corrections to grammar and spelling (thus beware).  Dates may be either published 
dates or written dates (which are 30-45 days before they were published).  These articles are copyrighted 
and as such, written releases must be obtained from their respective publisher.

Mortgage Banking Magazine - Feb. '08 - Is Now The Best Time for Tech Investments? 
Mortgage Banking Magazine - Dec. '07 - The LOS Market, The Battles Continue
Mortgage Banking Magazine - Aug. '07 - The Rise of the Mortgage Tech Conglomerate
Mortgage Technology Magazine - Jun '07 - Acquiring Minds in Mortgage Technology
Mortgage Banking Magazine - May '07 - Behind The Scenes
Mortgage Technology - Industry Outlook - Apr. '07 - Calming Our Markets With Technology.
Mortgage Banking Magazine - Feb. '07 - Top 10 Secrets for Working With Your Tech Vendor
Mortgage Banking Magazine - Dec. '06 - Patents: Help or Hindrance
Mortgage Banking Magazine - Aug. '06 - Freddie Mac's New Approach
Mortgage Banking Magazine - Apr. '06 - Downturn Will Hit the Tech Sector
Mortgage Banking Magazine - Jan. '06 - Can You Really Try Before You Buy
Mortgage Banking Magazine - Dec. '05 - The Jury Is In: Mismo Is a Win
Mortgage Banking Magazine - Nov. '05 - Shopping Wisely for Technology
Mortgage Banking Magazine - Oct. '05 - Web Based LOSes - Pros and Cons
Mortgage Banking Magazine - Sep. '05 - Tech Trends for CRM
Mortgage Banking Magazine - Jul. '05 - Calling on MERS
Mortgage Banking Magazine - Jun. '05 - "Musing from the MBA Tech Conference"
Mortgage Banking Magazine - Apr. '05 - "Is Automation Influencing R.E. Cycles"
Mortgage Banking Magazine - Mar. '05 - "New Data on LOS Productivity"
Mortgage Banking Magazine - Feb '05 - "Transaction Fees"
Mortgage Banking Magazine - Jan. '05 - "Digital Disclosure"
Mortgage Banking Magazine - Dec. '04 - "Imagining The Future"
Mortgage Banking Magazine - Nov. '04 - "What I Want For Christmas From The GSE's"
Mortgage Banking Magazine - Oct. '04 - "Branch Office LOS Selection"
Mortgage Banking Magazine - Sep. '04 - "LOS Market Share Drama"
Mortgage Banking Magazine - Aug. '04 - "Transaction System Development"
Mortgage Banking Magazine - Jul. '04 - "For The Benefit of Consumers"
Mortgage Banking Magazine - Jun '04 - "Technology and Herd Mentality"
Mortgage Banking Magazine - May '04 - "Technology and Mortgage Economics"
Mortgage Banking Magazine - Mar '04 - "Technology Hyperbol"
Mortgage Banking Magazine - Feb '04 - "The Ultimate Technology Solution"
Mortgage Banking Magazine - Jan '04 - "Is Technology to Blame for Lost Loans"
Mortgage Banking Magazine - Oct '03 - "Playing Catch-Up"
Mortgage Banking Magazine - Aug '03 - "Settlement Service Automation"
Mortgage Banking Magazine - May '03 - "Cost Justifying Loan Origination IT Expenses"
Mortgage Banking Magazine - Jan '03 - "A New Year... A New LOS?"
Mortgage Originator Magazine - Aug. '02 - "Technology and the World of Commercial"
Mortgage Originator Magazine - Jul. '02 - "What Fear Is Real"
Mortgage Originator Magazine - Jun. '02 - "Where's the Paperless Loan?"
Mortgage Originator Magazine - May '02 - "Educating With New Technologies"
Mortgage Originator Magazine - Apr. '02 - "Does Your LOS Belong On The Internet"
Mortgage Originator Magazine - Mar. '02 - "MBA Tech Conference Overview"
Mortgage Originator Magazine - Feb. '02 - "Technology That Enhances Your Closing Ratio"
Mortgage Originator Magazine - Jan. '02 - "Which Wholesalers Are Truly Service Oriented?"
Mortgage Originator Magazine - Jan. '02 - "Do This Before You Order a Credit Report"
Mortgage Originator Magazine - Nov. '01 - "Who's Got The File?"
Mortgage Originator Magazine - Oct. '01 - "Missing Title"
Mortgage Originator Magazine - Oct. '01 - "Prepare for the Next Five Years"
Mortgage Banking Magazine - Sep. '01 - "Learning From Past Mistakes"
Mortgage Originator Magazine - Sep. '01 - "Earning Discounts for Being Efficient"
Mortgage Originator Magazine - Aug. '01 - "Surviving the Refinance Bust"
Mortgage Press Newspaper - Jul. '01 - "Integrating Your Technology"
Mortgage Originator Magazine - Jul. '01 - "So What Has Technology Brought Us?"
Mortgage Originator Magazine - Jun. '01 - "Using Credit Wisely"
Mortgage Originator Magazine - May '01 - "Improving Your Customer Service"
Mortgage Originator Magazine - Apr. '01 - "The Carnage Will be Horrific"
Mortgage Originator Magazine - Feb. '01 - "What's It Take to be a Power User"
Mortgage Originator Magazine - Dec. '00 - "Predictions for 2001"
Mortgage Originator Magazine - Nov. '00  - "MBA Annual Overview"
Mortgage Originator Magazine - Oct. '00 - "What's Up with XML?"
Mortgage Originator Magazine - Sep. '00 - "Future of LOS's"
Mortgage Originator Magazine - Aug. '00 - "Showdown in the E-Commerce World"
Mortgage Originator Magazine - Jul. '00 - "ASP Solutions"
Mortgage Banking Magazine - Jul. '00 - "A Portal of Portals"
Mortgage Originator Magazine - Jun. '00 - "Splitting Microsoft and It's Impact on Our Industry"
Mortgage Originator Magazine - May '00 - "Technology Lacking Experience"
Mortgage Originator Magazine - Apr. '00 - "Drawing New Battle Lines"
Mortgage Originator Magazine - Mar. '00 - "Electronic Signatures"
Mortgage Originator Magazine - Feb. '00 - "The Battle for Our Industry's Portal"
Mortgage Originator Magazine - Jan. '00 - "Internet Marketing 101"
Mortgage Originator Magazine - Nov. '99 - "Mortgages in 2005"
Mortgage Originator Magazine - Oct. '99 - "Reflections From the Show Floor"
Mortgage Originator Magazine - Sep. '99 - "The Verification Process"
Mortgage Originator Magazine - Jul. '99 - "The Ultimate Enterprise for Loan Trading"
Mortgage Originator Magazine - Jun. '99 - "Re-Engineering The Loan Process"
Publication unknown - Jun. '99 - "The Top-10 Things to Look for in a Successful LOS"
Mortgage Originator Magazine - Jun. '99 - "View From the Floor of NAMB"
Mortgage Originator Magazine - May. '99 - "The Art of Processing a Loan"
Mortgage Originator Magazine - Apr. '99 - "Is the Boom Off for E-Lenders"
Mortgage Originator Magazine - Apr. '99 - "Risk Based Pricing and Rate Distribution"
Mortgage Originator Magazine - Feb. '99 - "The Impact of Automated Underwriting Systems"
Mortgage Originator Magazine - Jan. '99 - "What Ever Happened to Video Conferencing?"


Scott has published dozens more articles prior to 1999.  Contact Scott if access to these 
documents are required.

Not listed are the hundreds of articles that have quoted Scott over the years.  These include 
every mortgage industry publication as well as many regional newspapers, Forbes and the 
Wall Street Journal.  Further searches can be done at www.nationalmortgagenews.com 
under "Cooley" or any of the many article search engines.