Representation Matters in Capital Markets ft. Deb Jones

Aug 3, 2025

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This week on the show, we’re diving into a conversation that connects leadership, capital markets, and representation in mortgage finance. Our guest, Deborah (Deb) Jones, Senior Vice President and Director of Mortgage Secondary and Capital Markets at Citizens, brings over 21 years of experience guiding clients and organizations through one of the most dynamic industries in financial services.

Deb’s career spans multiple housing and economic cycles, giving her unique insight into how mortgage markets shift with interest rates, housing inventory, and national economic trends. As the Head of the Mortgage Bankers Association Secondary and Capital Markets Committee, Deb has been a voice for balanced growth, informed policy, and inclusion in an industry that directly affects millions of homeowners.

In this episode, we cover:

Where mortgage capital markets are headed in 2024 and beyond – including what rising and falling interest rates could mean for borrowers and lenders alike.
How inventory shortages and affordability challenges are reshaping mortgage strategies and why underserved markets face unique pressures.
Why representation matters in leadership and capital markets, and how diversity of thought and experience leads to stronger, more resilient organizations.
Deb’s professional journey – from building a referral-based client business to leading at the executive level.
Lessons learned from past market cycles and what today’s professionals can take from them.

Deb also shares why she believes 2024 will be a transition year for the industry and why we may see strategic refinancing for recent high-rate loan vintages. She explains how she and her peers view opportunities for borrowers, lenders, and investors as the market adjusts, and why 2025 might look like a “new normal” for purchase markets.

This conversation is not just about numbers and forecasts – it’s about people, opportunity, and inclusion in one of the most important sectors of the economy. Whether you’re a loan officer, capital markets professional, mortgage leader, or someone simply curious about what drives home financing in America, this episode gives you insights you can put to work right now.

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