About Us


Kate McCarthy


Kate McCarthy established Oyster Creek Consulting in 2019 with the goal of promoting the benefits of financial literacy and education to communities and corporations invested in social impact.

Her experience includes more than 20 years of proven success overseeing and enhancing the accountability and fiscal sustainability of non-profit, government, and corporate social impact initiatives.


She joined Fannie Mae during the height of the housing crisis and established and managed a Regional Borrower Outreach team that met with more than 25,000 borrowers across the country, assessing their financial situation and connecting them with local resources for further assistance. 

She was a founding member of the Greater Houston and Texas Foreclosure Prevention Task Forces and served on their respective Leadership Committees.


In 2014, she was asked to manage Fannie Mae’s Post-modification Counseling (PMC) program, designed to provide financial education and coaching to homeowners receiving a mortgage modification. Her responsibilities were then expanded to include managing the Mortgage Help Network (MHN) comprised of 12 entities assisting 7,000 homeowners annually. The financial education provided through PMC and MHC resulted in a significant reduction in delinquency rates and the programs continue to achieve consistent results. 

In 2018, she supported the Disaster Response and Rebuild team by launching the Disaster Response Network (DRN), which was designed to assist individuals and families with all aspects of financial preparation for the potential impacts of a disaster and recovery after a experiencing a disaster. 

Prior to her time at Fannie Mae, she worked at multiple levels of federal, county, and state governments, including HUD, Harris County, and the states of Texas and Oregon.


Kate earned a Master of Public Administration (MPA) from California State University, Dominguez Hills. She also holds a Bachelor of Science in Sociology, with a certificate in the Sociology of Race and Ethnicity, from Texas A&M University. 

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