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Bill Emerson
Member of the U.S. House of Representatives
from Missouri's 8th district
In office
January 3, 1983 – June 22, 1996
Preceded byWendell Bailey
Succeeded byJo Ann Emerson
Member of the U.S. House of Representatives
from Missouri's 10th district
In office
January 3, 1981 – January 3, 1983
Preceded byWilliam Dean Burlison
Succeeded bydistrict inactive
Personal details
Born(1938-01-01)January 1, 1938
Saint Louis, Missouri, U.S.
DiedJune 22, 1996(1996-06-22) (aged 58)
Bethesda, Maryland, U.S.
Political partyRepublican
Spouse(s)Lyn Zwahl
Jo Ann Hermann (1975–1996)

Norvell William Emerson (January 1, 1938 – June 22, 1996) was an American politician from Missouri. He served in the United States House of Representatives from 1981 until his death from lung cancer in Bethesda, Maryland in 1996. He was succeeded in the House by his widow, Jo Ann Emerson. Emerson was a Republican.

YouTube Encyclopedic

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  • ✪ CEO Bill Emerson | Technology's Role in the Mortgage Market | Quicken Loans TV and Radio


Jordan: Your finance activity is up and here to talk to us about it is Quicken Loans CEO, Bill Emerson. Bill, thanks for joining us today. Bill: My pleasure, Jordan. How are you? Jordan: Good. How are you? Bill: Good. Jordan: So, we've seen rates kick up a little bit. Over 4% recently. What's the effect going to be on the market and what do you see for the future of the mortgage market? Bill: Well, I think right now you are seeing a ton of activity. A lot of people are refinancing still. Rates are still in the low to mid 4's, so that doesn't really impact, I don't think, a whole lot of people. You know, when rates kick up a little bit, I think it gives people a wake up call that they need to think about what they are doing and stop procrastinating and take advantage of the opportunity, but right now we are seeing some good activity. I think longer term, the trend for interest rates is up and so if you're really going to think about doing something, you need to take advantage of it. These rates are not going to stay this low forever. Who knows, maybe another 6 months, maybe another 2 days. You never know what's going to happen in the marketplace, so I think anybody that's got an opportunity to save money and refinance or is seriously thinking about buying a home, there could not be a better time than right now to do that. Jordan: One of the larger lenders came out recently saying that they are telling their clients that, to file a mortgage application they have to wait 60 to 90 days. Is Quicken Loans seeing the same difficulties in that? Bill: No. We're not seeing the same difficulties in that. There's probably a really good reason for that. I think it's our platform. It's a centralized nature of our platform that we built that allows us to scale. We wouldn't have won JD. Power "Best in Client Satisfaction and Mortgage Origination" back to back years if we didn't know how to take care of our clients, if we didn't know how to handle volume and we didn't know the right things to do to make sure those clients are getting the service that they need. A big chunk of that is the technology and is the platform that we built. But no, any of those folks that are waiting in line, just give us a call. We'd be happy to help them out and figure out a way to put them into a better mortgage situation for themselves. Jordan: You mentioned the technology and the scalable platform. What specifically does that focus on technology help in the mortgage process? Bill: Well, I don't know if there's one specific thing. I think that technology has become so critically important to our business and I think it should become more important to the industry. It's not just technology alone. It's technology and process. So, what we've been able to do is take our technology which has been built internally, leverage it tremendously on how we handle the mortgage transaction from end to end. What we're able to do is give our folks that are working on those loans visibility into what they should be working on and we help prioritize that work so that at the end of the day, they just need to figure out how to help out that client. They don't have to make a decision around, "Should I work on this client? Should I work on that client? Should I work on this piece?" Really, what they can then do is dedicate their entire attention to, "What is the best way I can serve my client?" and therefore provide the client service that we need which allows us to be able to maintain great turn times. I mean, average closing times for us is 30 days or less. That includes conventional loans and government loans. So, with the ability to be able to give that visibility, give that prioritization with a home grown technology solution, its really allowed us to grow, scale and become a very large player in the industry. Jordan: Bill, is there anything else you would like to mention? Bill: No, I just think it's an interesting time in our industry right now. There's a whole lot of uncertainty as to what is going to happen in Washington with regulation. I think that anybody in this industry needs to figure out how to not only leverage technology to help their client, but also to be compliant with all the changes and all the things that are going on in our industry. It's a very unique time. I think people that are properly positioned can do very well and do business the right way and be compliant. That's an important thing in our industry right now. Jordan: Well Bill, thanks for joining us and giving us some of your time. I hope this helped some clients get some insight on how technology can get them through the mortgage process quicker. Bill: My pleasure, Jordan. I'm glad to be here and thanks for doing what you are doing. Jordan: If you have any more questions or would like to speak to Bill, please visit our press room at www.quickenloans/pressroom and you can also follow us on Twitter @QLnews or on Facebook at Quicken Loans. Thanks.


Early life

Emerson was raised in Jefferson County, Missouri and attended public schools in nearby Hillsboro. He served as a House Page and graduated from Westminster College in Fulton, Missouri in 1959. Emerson attended law school at the University of Missouri and the University of Baltimore, graduating with his LL.B from Baltimore in 1964. He was also a Captain in the United States Air Force Reserve from 1964 to 1992.


He was serving as a congressional page serving on the floor during the 1954 United States Capitol shooting incident involving Puerto Rico terrorists.[1] While in law school, Emerson served as a Congressional aide to U.S. Representative Robert Ellsworth, and after graduation he served on the staff of U.S. Senator Charles Mathias. Throughout the 1970s he worked in governmental affairs for several companies, and formed his own consulting group in 1979. In 1980, he was elected to Congress and was re-elected seven times. Emerson served on the House Committee on Rules.

Personal life

In 1988, after an intervention with his family and friends, Emerson acknowledged his alcoholism and spent a month at the Betty Ford Center. He later helped create the House Employee Assistance Program which provides legislative and administrative support services for the House, later expanded to the Senate, and helps alcoholics find treatment.[2]

Emerson died of lung cancer in 1996.[3] He was succeeded by his widow, Jo Ann Emerson.


The Bill Emerson Memorial Bridge, which crosses the Mississippi River at Cape Girardeau, is named after him, as is Emerson Hall, the main assembly room in the House Page School in the Jefferson Building of the Library of Congress and Emerson Hall, an upperclass residence hall at Westminster College in Fulton, Missouri, his alma mater.

The Bill Emerson Good Samaritan Food Donation Act of 1996 was named after the congressman, who fought for the proposal but died of cancer before it was passed. This act encourages the donation of food and grocery products to nonprofit organizations for distribution to needy individuals by protecting donors from liability when donating to a nonprofit organization, so long as the product is donated in "good faith," even if it later causes harm to the needy recipient.

The national Food Security Wheat Reserve (1980–1996), later expanded to the Food Security Commodity Reserve (1996–1998), was renamed the Bill Emerson Humanitarian Trust (1998–) in his memory.

See also


  1. ^ Michael Barone and Grant Ujifusa (1993). The Almanac of American Politics 1994. Washington, D.C.: National Journal. p. 749. ISBN 0-89234-057-6.
  2. ^ Gelbart, Marcia. Alcoholics Anonymous buoys members, aides
  3. ^ "Rep. Bill Emerson Is Dead at 58; Missourian Served Eight Terms". New York Times. June 24, 1996.

External links

U.S. House of Representatives
Preceded by
William Dean Burlison
Member of the U.S. House of Representatives
from Missouri's 10th congressional district

Succeeded by
District dissolved
Preceded by
R. Wendell Bailey
Member of the U.S. House of Representatives
from Missouri's 8th congressional district

Succeeded by
Jo Ann Emerson
This page was last edited on 16 October 2019, at 19:12
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