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Frank Cicero

Managing Director and investment banking specialist at Keefe, Bruyette & Woods, Inc.

Frank Cicero is a Managing Director and investment banking specialist at Keefe, Bruyette & Woods, a Stifel Company, focusing on mergers and acquisitions and capital markets transactions for banks. He has advised on deals involving a range of financial institutions, leveraging his extensive experience in the banking sector to deliver strategic guidance and execution. Cicero began his career at Jefferies LLC, where he held senior roles in bank M&A, before joining KBW in January 2016. He holds a Bachelor’s degree from Columbia University and is a registered representative with FINRA, maintaining the necessary securities licenses for his role in investment banking.

Frank Cicero's questions to Better Home & Finance Holding (BETR) leadership

Question · Q3 2025

Frank Cicero asked Better Home & Finance to elaborate on how AI efficiencies, particularly Bettsy, contribute to increased revenue per funded loan through enhanced sales and operational performance, and what incumbent systems are being replaced in their partnerships.

Answer

Vishal Garg, Founder and CEO, explained that Bettsy's 24/7 availability and instant responses allow for less competitive pricing and higher gain on sale, while enabling volume scaling without proportional headcount increases by automating processing, underwriting, and closing. He noted that Better generally replaces incumbent Loan Origination Systems (LOS) and often replaces multiple other systems like Point-of-Sale (POS), pricing engines, CRM, and document generation.

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