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2022 HW Vanguard: Kristy Fercho


Kristy Fercho is  executive vice president and head of Wells Fargo Home Lending, overseeing one of the nation’s leading combined home lenders and servicers. In her role, Fercho leads a team of more than 25,000 mortgage professionals in sales, operations, servicing, capital markets, portfolio management and risk management.

Fercho 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. Fercho currently serves as chair of the Mortgage Bankers Association (MBA) and is a member of its residential board of governors. 

What is one habit that has made a  crucial-difference in your success?

Visualize the change you want, then take action. My dad always said, “What the mind can perceive, the will can achieve.” This amounts to a  daily practice of taking action to drive the change and progress you’re working toward. 


Kristy Fercho


Head of Home Lending

Company Name:

Wells Fargo

3d rendering of a row of luxury townhouses along a street

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