Board of Directors

Creta Bloxom

President, GML, CME, CMI

Creta is a Lifetime Alaskan Resident and has been in the Real Estate Industry for over 40 years, working in escrow, title, mortgage and construction lending, home inspections and as a licensed REALTOR®.

Creta has been involved for many years in Home Builders and the National Association of Professional Mortgage Women. She has served on the local, Region and National levels of Mortgage Women and was recognized with the National Leadership Award in 1999. She was involved in the creation of the Institute of Mortgage Lending that provides educational designations for those pursuing education in the mortgage industry.

Education is important to Creta which is evident in the multiple mortgage industry and Realtor® Designations she has earned. To help promote education in the industry to professionals and consumers she serves on the NeighborWorks Alaska Homeownership Council and as President of the Alaska Craftsman Home Program.

Maureen Mckovich

Founder & Vice President

In 1992, with more than two decades in mortgage banking and insurance, Maureen saw the clear need to establish a more educated workforce in mortgage lending as well as informed consumers of mortgage products. To further these goals, Maureen founded the 501 (c) 3 corporation now known as the Mortgage Industry Foundation.

Maureen continued in the industry as co-owner of Mount Vernon Mortgage until her retirement in 2000. She has remained active both as an emeritus and again as an active member of the Foundation Board. Her recognized contributions to education within the industry have always stemmed from the simple belief that any chain is only so strong as its weakest link. Thus, much of her effort has focused on empowering educational opportunities from the lower rungs of the corporate ladder to the top.

Maureen is honored to contribute now to the new direction the Foundation has taken.

Holly Rittenhouse


Holly started her career in 1979 as a Real Estate Broker in Daytona Beach, Florida and moved into several careers within the mortgage banking industry. Over the past several decades half of her career has been in the mortgage insurance space; the other half has been in correspondent lending with national firms. Returning to the mortgage insurance field for the past five years, she is currently with National MI, in the role of Managing Sales Director for the Northern California, Pacific Northwest market.

Holly attained her undergraduate degree at Ohio State University and her MBA from Nova University. Holly’s dedication to education is a constant in her life. She is pleased to join the Mortgage Industry Foundation Board to work toward higher education within the industry.

Holly was the Charter President of the Greater Orlando APMW and remained a member even though she relocated to the west coast for her career. She remains committed to the importance of promoting women in the mortgage industry.

Janet Palmer


Janet is retired. She was employed with Seattle Mortgage Company for 23 years as a Residential Loan Underwriter and three years with Bank of America as a Reverse Loan Underwriter, Trainer/Educator and Vice President in Compliance.

Throughout her career, Janet has been a privileged member of several organizations and associations including 28 years with the National Association of Professional Mortgage Women, working on the Local, Region and National level. She has dedicated a decade of service to the Foundation Board.

Carol Clark


Carol Clark has been in the mortgage industry for more than 30 years, with experience in servicing, underwriting, and sales. For the last 20 years, she has been an Account Executive in Wholesale and Correspondent Lending. Carol is active in industry organizations at the state and local levels, always seeking out educational opportunities for herself, her clients, her coworkers, industry and future industry partners.

Tracy Sanderson

Director, MML, CME, CMI

Tracy started her career while a senior in high school, as a courier for a title company. She moved on to mortgage banking in 1984, where she held positions as Loan Officer, Processor and Underwriter before moving into management. Tracy is currently Branch Operations Manager for Guild Mortgage in Vancouver, Washington. Her passion is training, with an emphasis on Compliance and Fair Lending. With the implementation of TRID, she became an industry expert in preparing disclosures for Construction-Perm loans and likes to keep a finger on the pulse on all things related to TRID and regulatory compliance in general.

Opportunities for a formal post-secondary education were lacking in Tracy's early days in the industry. She joined NAPMW in 2004 and in February of 2007, obtained her first designation through the Institute of Mortgage Lending (IML). She is very proud of the fact that she was the first NAPMW member to obtain all of the educational designations offered through the IML.
Tracy was the recipient of a Foundation grant in 2007 to help cover the cost of obtaining her Certified Mortgage Instructor designation. She takes pride in giving back; both to the Foundation and those new to the industry.

Patty Anderson

Account Executive