-David L. Shirmeyer's background includes 20 years of corporate mortgage banking. Beginning his career as a mortgage loan originator, he quickly advanced to senior management responsible for an 18-branch retail mortgage banking firm.

In 1975 he became chief operating officer of Churchill Mortgage Corporation in Atlanta and was instrumental in reversing previous annual losses and restructuring the company's operations.

In 1979 he joined the Credit Union National Association (CUNA) to assist in creating a mortgage banking conduit to allow small credit unions access to mortgage funds.

In 1982, he joined Conti Commodities, the firm that developed financial futures markets at the Chicago Board of Trade. In 1984, Shirmeyer joined Thompson-McKinnon Securities and developed risk-management techniques to successfully hedge interest rate risk exposure for financial institutions and for mortgage lenders' origination pipelines. Over the last twenty years his model has consistently forecasted every major market turning point and eliminated the risk of adverse price movement while capitalizing on market rallies.

In 1989, Shirmeyer started his own interest rate consulting firm, Sigma Research, Inc. He directly manages interest rate pipeline exposure for large mortgage originators and writes private-label commentaries for mortgage wholesalers to use in marketing.

Shirmeyer has been a featured columnist for the National Mortgage Broker magazine and has been an invited speaker for the Mortgage Bankers Association, the National Association of Mortgage Brokers and the Chicago Board of Trade, in addition to lecturing at advanced educational programs at Indiana University and Ohio State University.

Sigma publishes the e-DAILY RATE MARKET REPORT, and the Daily Executive Rate Report and is featured regularly as a featured guest in the RateMastery Series; an educational platform for elite Loan Originators offered at no cost by thetbwsgroup.

For decades his body of work and brilliant market analyses remain unparalleled. David is a true gift to the mortgage industry.