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NAPMW Houston 2018-2019  Board of Directors

1st Vice President of Education - Scarlett Trevino


Scarlett has 25 years of experience in the mortgage industry with a dedication and passion for regulatory and state compliance.  For the past 8 years Scarlett has served as the Senior level Compliance Analyst of the Compliance Support department for Cornerstone Home Lending, Inc. In Scarlett’s present role, she provides regulatory solutions and reviews policy standards to guide both the national production teams and the regional operations management partners.   In this ever-changing regulatory environment, Scarlett keeps herself abreast of fresh and trending issues in compliance.  Scarlett has designed a Knowledge Bank where she writes, approves content, and quality controls the data within portal for cascading communication.  Her mission has always been is to provide a common sense approach within the guardrails of the industry’s current regulations.  Prior to Cornerstone, she spent 15+ years working within the mortgage legal sector for a Real Estate Law Firm as an IT business analyst for closing package compliance review.  Her valuable experience has branded her an expert within the compliance arena.

2nd Vice President of Services and Resources - Della Lowery
Della Lowery is a Senior Loan Processor with over 15 years of experience in Mortgage Banking. Her in depth knowledge of the Home Buying process allows her to process real estate transactions from Contract to Close. She has gained valuable experience working with Top Producing Brokers in the Greater Houston area. Della is a firm believer in Affordable Housing and has been instrumental in assisting countless families achieve Homeownership. She has a strong government background and enjoys working with the Housing of Urban Development & Department of Veteran Affairs.
3rd Vice President of Membership/Dues Collector -Sara Kay Walkowiak

Sara has 30 years in the mortgage industry as document drawer, closer, funder, marketing for both Law firm and Staffing Agency, and direct hire recruiter focused on the financial industry. 

Treasurer - Wendy Hrncir

A 27 year Mortgage professional, currently working at Black Mann & Graham as a client relations specialist.  Over her tenure in the Mortgage World, she has been a retail loan officer, a District Manager, a Wholesale Account Executive, an Underwriter, a Correspondent Account Manager, and Mortgage Insurance Representative. 

She’s also a Bee Keeper. What most don’t know is that there is a great similarity between a Bee Hive, and a Mortgage Office, so Bee Keeping was a natural segue for her. 

Recording Secretary - OPEN

Director of Programs & Arrangements - Ryan Black


Ryan joined Black, Mann & Graham, LLP as a Client Relations Specialist in 2016. Previously, Ryan served as a legislative aide to a United States senator and was charged with monitoring the progress of a variety of policy issues and briefing the senator on a legislative portfolio covering several topics including issues facing the mortgage industry. Ryan is an attorney licensed to practice in the District of Columbia.

Director of Multi Media –
Bailey Bigler

Bailey is an Account Executive at Goosehead Insurance. She is committed to empowering individuals to make the best choice when it comes to insurance. Prior to Goosehead, she attended Louisiana State University and earned her B.S. in Mass Communications. Outside of work, Bailey loves traveling the world and has recently visited places like India, Hungary and England.

Parliamentarian –
Deanna Mellas
Deanna Mellas is the Houston Region Business Consultant for North American Title. She also spent many years in Houston working for a Real Estate Law firm and has been very involved in both the Mortgage and Real Estate Communities. She has been part of NAPMW for almost nine years and served as the President. Houston has largest local NAPMW Association in the country and continues to grow.