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HELOCS and Second Liens
September 14-15, 2026
JW Marriott AustinAustin, TX
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Denya Macaluso
Vice President of Residential Lending at MSU Federal Credit Union
Speaker

Profile

Denya Macaluso brings more than 25 years of experience in real estate and financial services to her role as Vice President of Residential Lending at MSU Federal Credit Union. She leads the credit union’s mortgage and home equity divisions, overseeing strategy and operations from origination through servicing and secondary market activities. A committed industry and community leader, Denya serves on the Board of Directors for Ele’s Place, earned her Certified Mortgage Banker (CMB) designation in 2024, and served as President of the Michigan Mortgage Lenders Association in 2020.


She holds a Bachelor of Arts in Marketing from Michigan State University and an MBA in Management from Northwood University. Outside of her professional work, Denya enjoys time with her family, traveling, and supporting MSU and Spartan Athletics.

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Derrick B. Gruner
Chief Capital Markets Officer & General CounselChief Capital Markets Officer & General Counsel Realworld Asset Group
Real World Asset

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