Rephonic
Artwork for What the M
Mortgage Servicing Industry
Mortgage Servicing
Foreclosure Abuse Prevention Act
REO
Federal Reserve / Interest Rates
Artificial Intelligence
New York
VA Loan Guarantee Program
Community Banks
Regulation (banking)
Reverse Mortgages
Detroit, United States
Foreclosure Market / Housing Market
CFPB
Sheriff's Sales
Leadership
Leadership and Mentorship
Real Estate/owning Property
Leadership In Business
Student Loan Debt

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 “Wha... more

PublishesMonthlyEpisodes70Founded4 years ago
Number of ListenersCategory
Business

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Artwork for What the M

Latest Episodes

In this special episode of “What the M,” Steve and Kent are honored to welcome Brian D. Montgomery as a guest. While Brian is well-known throughout the mortgage default servicing industry for his distinguished career in housing finance and public ser... more

The 69th episode of What the M features Rick Sharga, CEO and President of the CJ Patrick Company, and Daren Blomquist, Vice President of Market Economics at Auction.com.

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

In the first four seaso... more

Welcome to the season 4 finale of What the M! 

This season, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Each guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has... more

The 67th episode of What the M features Joe Lara, founder of Find the X, plus a tribute to Ingrid Jaschok, a giant of the industry who we lost last week, by Michael Merritt.

In this episode, Kent and Steve sit down with Joe to discuss his company, F... more

Key Facts

Accepts Guests
Accepts Sponsors
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Recent Guests

Darren Bloomquist
Industry expert featured on the show
Court (as introduced in episode)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Gina Daskola
Industry professional
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Lee Allen Frost
Industry veteran
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Glenn Brooks
Industry professional
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Kevin Shivers
Industry participant
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Marcel Breyer
Industry participant
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Talia Ramirez
Industry participant
(as introduced)
Episode: Episode 68 - The Last Question (Season 4 Finale)
Joe Lara
Founder of Find The X, former cryptologist and Navy SEAL support specialist
Find The X
Episode: Episode 67 - Joe Lara
Sam Hantosh
REO broker with long-time participation in Michigan REO market
REO brokerage in Michigan
Episode: Episode 65 - Sam Hantosh

Hosts

Stephen Hladik
Co-host with deep legal industry experience; chair of the Advisory Council of the Legal League 100
Kent McPhail
Co-host with decades in mortgage default servicing and legal practice; senior partner focus

Reviews

4.9 out of 5 stars from 29 ratings
  • Great Insight

    Enjoyed the insight and relatable host and their guest…keep ‘em coming

    Apple Podcasts
    5
    Allen's review
    United States4 years ago
  • Excellent Insight

    A well-crafted dive into an industry needing greater transparency. I was impressed on the detail and experience with which both narrators spoke.

    Apple Podcasts
    5
    CadeM21_17
    United States4 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Sponsor moments are relevant and well-integrated.
Strong guest diversity across leadership, veterans, and policy circles.
Insightful industry focus with practical, real-world takeaways.
Balanced blend of legal/regulatory discussion and operational insights.

Talking Points

Recent interactions between the hosts and their guests.

Episode 53 - The Last Question (Season 3 Finale)
Q: If you had the opportunity to sit down with the 20-year-old version of yourself, what advice would you give that young man or woman?
A recurring theme is to be kind, invest in relationships, and stay grounded while pursuing goals; many guests emphasize ownership, mentorship, and the importance of balancing work with life experiences.
Episode 65 - Sam Hantosh
Q: If you had the opportunity to sit down with your 20-year-old self, what advice would you give?
Invest in real estate gradually, starting with one rental property per year, to build practical experience and capital; consider opportunities like cryptocurrency investments carefully, but focus on long-term real estate fundamentals.
Episode 58 - John Bell
Q: What are the major challenges for the VA Loan Guarantee Program going into 2023 and 2024?
The program is addressing legislative and administrative adjustments, ongoing backlogs, and economic headwinds like rising interest rates and depreciating property values, while pursuing faster eligibility, quicker appraisals, and broader outreach to veterans and realtors.
Episode 58 - John Bell
Q: How has the transition to leading the VA Loan Guarantee Program been, and what does a day in your life look like?
Bell describes a demanding but purposeful role where transparency, accessibility, and steady communication shape daily decisions; his focus is on facilitating veteran benefits through streamlined processes and strong stakeholder engagement.
Episode 66 - Talia Ramirez
Q: If you had to sit down with the 20-year-old version of yourself, what advice would you give?
Choose you—prioritize your own path and trajectory, because self-belief and making bold, deliberate choices shaped where I am today.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
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Frequently Asked Questions About What the M

What is What the M about and what kind of topics does it cover?

This program centers on the mortgage servicing ecosystem, exploring how defaults, foreclosures, regulation, and technology shape the industry and homeowners. Conversations typically feature industry leaders, lawyers, bankers, and policy experts who share practical insights on servicing practices, risk management, and regulatory changes, often with real-world anecdotes and leadership lessons. A notable pattern is pairing deep technical detail with accessible storytelling, including round-table perspectives, veteran expertise, and occasional sponsor integrations that illustrate partner roles in the servicing workflow. The show is especially helpful for listeners who want actionable industry context, leadership ideas, and a clearer picture of ... more

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These podcasts share a similar audience with What the M:

1. The Daily
2. Up First from NPR

How many episodes of What the M are there?

What the M launched 4 years ago and published 70 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on What the M?

Recent guests on What the M include:

1. Darren Bloomquist
2. Gina Daskola
3. Lee Allen Frost
4. Glenn Brooks
5. Kevin Shivers
6. Marcel Breyer
7. Talia Ramirez
8. Joe Lara

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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