Depth of experience, dedication to quality performance and attentiveness to details makes the Cammarata Associates’ staff the benchmark of the industry.

Frank S. Cammarata, CEO

Over 47 years of experience in the Financial Service Industry, having founded his Mortgage Banking Financial Servicing Company in 1990 which specializes in Consumer Lending, Compliance, Quality Assurance Audits and Risk Assessing Consumer Lending Function of a Financial Institution.

Mortgage Banker, First & Second Mortgage, Direct Endorsement Underwriter by Housing Urban Development Authority (FHA), Certified Desk Review Appraiser (FHA)/ (VA), Approved QC Auditor and consultant to Banks for Secondary Market “Best Practices” and Residential Mortgage Servicing, “Foreclosure Management Assessment”.

Bank Witness in United States District Court Middle District of Pennsylvania as Residential Mortgage Lending and Consumer Laws.


National Bank Examiner  |  Community Bank President  |  Adjunct College Professor


Scott B. Woll, Executive Vice President - Risk Management

Scott has over 32 years’ experience in the residential and commercial lending industry. He has held C-Level positions with various banks and mortgage companies.

The many areas that Scott is knowledgeable and experienced includes; Capital Markets, Secondary Marketing, Loan Operations, Loan Review (residential and commercial), Warehousing Lines, Risk Management & Oversight, Hedging Strategies, Loan Servicing Management and Oversight, MSR Valuation, Financial Analysis, Budgeting and Income Projections, Mergers & Acquisition Due Diligence and Compliance/Regulatory oversight. Scott has been involved in establishing and managing Retail/Correspondent/Wholesale Sales as well as Fannie Mae, Freddie Mac and Ginnie Mae approvals.

Scott continues to assist banks, mortgage companies and credit unions grow and expand volume and profitability, while maintaining the P&L integrity and managing the risks associated and limiting overall exposure. He has implemented new Loan Origination and Accounting systems for various companies. Also assisted with FDIC, CFPB and State regulatory matters.

Scott has written articles for Mortgage Banking Magazine, Mortgage Orb and He has also been a speaker at MBA, Ginnie Mae and Secondary Market engagements.

In addition, Cammarata Associates also retains the following staff

Senior Consultant

  • 35 years experience
  • License Mortgage Banker
  • First and Second Mortgage
  • DE Underwriter
  • Approved QC Auditor


Senior Compliance Specialist

  • 15 years experience
  • QC and Agency Regulations

Senior Mortgage Specialist

  • 20 years in Retail and Wholesale


Senior Underwriting Specialists

  • 19 years experience
  • DE Underwriter (FHA)


Senior Appraisal Review Specialist

  • 16 years experience