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Kristy Fercho

Senior Executive Vice President

Head of Diverse Segments, Representation and Inclusion and Head of Home Lending

Wells Fargo & Company

Kristy Fercho is head of Diverse Segments, Representation and Inclusion (DSRI) and head of Wells Fargo Home Lending. As the leader of DSRI, she is responsible for integrating diversity, equity, and inclusion (DE&I) into every aspect of the company’s business and delivering marketplace and workplace outcomes by developing products and services to serve customers from underserved communities and driving DE&I initiatives companywide.  In this capacity, Kristy serves on the Wells Fargo Operating Committee. Kristy also continues to oversee one of the nation’s leading combined home lenders and servicers, managing a team of mortgage professionals in sales, operations, servicing, capital markets, portfolio management, and related business, risk management, and supporting functions.

Kristy joined Wells Fargo in 2020 from Flagstar Bank, where she served as president of the company’s mortgage division since 2017. Prior to joining Flagstar, she spent 15 years with Fannie Mae, where she led the strategy and business performance of single-family customers in the western United States and previously served in customer engagement and human resources (HR) roles. Kristy began her career and served in a variety of sales, operations, and HR roles at Baxter International before moving to PepsiCo Inc., where she worked in a variety of HR roles and ultimately was director of worldwide corporate HR.

Kristy is the immediate past Chairman of the Mortgage Bankers Association and a member of its Residential Board of Governors. She also leads the Affordable Housing working group for the Office of the Comptroller of the Currency REACh initiative. She serves on the boards of the National Urban League, Opens Doors Foundation, City Year, and the Wells Fargo Foundation. Her industry accolades include being selected for American Banker’s 2022 and 2021 “Women to Watch” list; HousingWire named her a Women of Influence in the housing industry; MReport honored her as one of the Top Women in Housing; Diversity Journal listed her among its Women Worth Watching; and National Mortgage Professional Magazine named her to its list of Most Powerful Women.

Kristy is a graduate of the University of Southern California and holds a Masters of Business Administration from Saint Joseph’s University, where she serves on the Board of Trustees.