Joel S. Pate is a 28-year veteran of the real estate, mortgage and credit industries and has founded many successful ventures. He lives in Mobile, Ala., with his wife Mitzi of 28 years, two daughters and their family. Joel and Mitzi are proud grandparents. You can reach him at www.joelpate.com or www.scoreinc.com.
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Independent and authoritative analysis and perspective for the banking industry