Mark L. Meyer has worked in the mortgage industry and as a business and systems consultant for over 28 years.  He founded MLinc in 1999 to offer creative solutions, expertise and insight to mortgage brokers and lenders in addressing critical business initiatives and opportunities.  Mark was formerly President and Chief Executive Officer of Centex Technology, Inc., parent of Adfitech, Adfinet, and Loan Processing Technologies, all providing technology and services to the mortgage industry.  Previously, Mark was Executive Vice President and Chief Operating Officer of another Centex entity, CTX Mortgage Company ("CTX"), the second largest non-bank-owned mortgage originator in the country at the time, and an affiliate of Centex Homes, one of the largest home builders in the nation.  Mark was responsible for creating and implementing the ABA program for CTX.  Prior to his time with CTX, Mark was the Director of Information Systems for Centex Corporation, the holding company.  Before Centex, he spent 10 years with Andersen Consulting, primarily in their financial services, real estate and manufacturing industry practices.

Penny A. Paplanus, CMB, Partner

Penny A. Paplanus is a Partner responsible for providing proactive Compliance solutions to MLinc's clients.  Ms. Paplanus has worked in the mortgage and banking industry for over 25 years.  She has extensive background in all areas of loan production and has held senior management positions in Operations, Credit Administration, Business Development, Internal Audit and Compliance.  Penny has designed several compliance based manuals and co-wrote Basics of Quality Control which is sold by the Mortgage Bankers Association.  She earned her Certified Mortgage Banker (CMB) designation in 2004.  She has done significant work in the areas of Predatory Lending, Privacy, and Quality Control.  She has taught at the American School of Mortgage Banking, the Association of Professional Mortgage Women and has serrved on the Advisory Board of the University of California, Northridge, and Mortgage Certification Program and is a frequent speaker for MBA and CMBA.  She is Vice Chairman of the MBA Legal Issues and Regulatory Compliance Committee and serves on the MBA Steering Committees for Loan Administration, Quality Assurance and Fraud and Ethics.