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Frankie Cicero

Managing Director at KBW

Frank Cicero is a Managing Director at Keefe, Bruyette & Woods (KBW), specializing in financial sector advisory with a focus on investment banking for banks, insurance companies, and specialty finance firms. He plays a lead role in structuring and executing complex capital raising and M&A transactions for clients such as regional and community banks, though specific company coverage and quantitative performance metrics are not publicly disclosed. With a robust background rising through the investment banking ranks, Cicero has spent the majority of his career at KBW and currently operates out of their New York office. His professional credentials include extensive experience in financial sector analysis, and as a senior investment banker his regulatory qualifications include the FINRA Series 7 and 63 securities licenses.

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

Question · Q3 2025

Frankie Cicero asked how AI efficiencies contribute to increased revenue per funded loan through enhanced sales and operational performance, and what types of incumbent solutions Better Home & Finance replaces in its partnerships.

Answer

Vishal Garg, Founder and CEO of Better Home & Finance Holding Company, explained that Betsy (AI) improves responsiveness, allowing for less competitive pricing and higher gain on sale, while reducing the need for additional staffing as volume grows. This automation of processing, underwriting, and closing leads to higher revenue per loan and lower expenses. He stated that Better generally replaces the incumbent Loan Origination System (LOS) and often replaces the Point of Sale (POS), pricing engine, CRM, document generation engine, notary/closing engine, and warehouse software, potentially replacing 8-10 different systems.

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