ACUMA ONpoint

Housing affordability isn’t just a headline; it’s the daily reality of members who earn good incomes and still can’t clear the down payment and payment hurdles for the home they actually need. We sit down with Eric Berg, co-founder of Duome, to unpack a practical idea that fits the credit union ethos: add a new tool alongside the 30-year mortgage so more buyers can reach homeownership without turning the process into a grant scramble.We walk through how Duome operates as a CUSO and why its model differs from down payment assistance. A member qualifies for a credit union mortgage for a large share of the purchase, then Duome brings impact capital to co-invest in the remaining portion through a tenant-in-common shared equity structure. That means mission-aligned investors like community foundations and nonprofits can put dollars to work locally, and the homeowner can buy sooner, build equity, and share appreciation when the home sells while still controlling the home’s day-to-day decisions.We also zoom out to the bigger housing market forces: the multi-million-home supply shortage, why new construction often can’t pencil today’s median prices below, and how helping families “move up” can free starter-home inventory for the next buyer. If you work in mortgage lending, credit unions, housing policy, or community development, you’ll hear concrete language you can use to explain co-ownership, impact investing, and affordability options to real people.Subscribe, share this conversation with a colleague, and leave us a review so more listeners can find these housing affordability strategies.Sponsored by RocketPro

Most training programs create smarter note-takers, not better performers, and you can feel the difference when the pressure is on. We sit down with Alex Kutsishin, CEO of Fuel, to challenge the way the mortgage and credit union world thinks about learning, leadership development, and talent growth. Alex shares his journey from immigrating from Kyiv to building multiple businesses, then makes a clear case for why “information” is getting cheaper while performance is becoming the real currency at work.We dig into what separates a learning platform from a performance platform, and why memory-based training still dominates corporate development. Alex explains why sports and the military keep improving year after year: they train for mastery through repetition, coaching, and immediate feedback. We also tackle a hard truth for the credit union mortgage industry: accepting 80/20 team performance as inevitable quietly normalizes undertraining, uneven execution, and stalled career growth.If you’re a credit union leader, lender, trainer, or ambitious professional, you’ll leave with a practical takeaway you can use today: stop consuming ideas passively and start applying one skill immediately, with guidance, until it sticks. Subscribe, share this with a colleague who cares about growth, and leave a review to help more people find the show.Sponsored by Optimal Blue

A “very partial” shutdown sounds harmless until you realize it sits inside DHS, home to FEMA, and intersects with disaster timelines, loan pipelines, and homeowner resilience. We sat down with Annmarie Conboy-DePasquale, Senior Policy Advisor from Brownstein Hyatt Farber Schreck, to open the hood on what’s actually paused, what keeps running, and how this narrow shutdown can still nudge housing markets, travel, and the broader sense of stability that drives buyer sentiment and investor appetite.From there, we take you inside Capitol Hill’s housing push. The House passed Housing for the 21st Century on a suspension vote, a strong bipartisan signal, while the Senate lines up the Road to Housing Act. Both packages aim to increase supply, streamline environmental reviews for residential projects, and modernize manufactured housing rules, but the House version layers in financial-institution provisions that the Senate bill doesn’t include. We walk through realistic paths forward: the Senate taking up the House bill, a true compromise hammered out by committee leaders, or a strategic hitch to the NDAA to secure floor time and momentum. Each option has different risks for scope, speed, and the coalition needed to get across the finish line.We also connect policy dots that affect day-to-day lending. The administration’s cues to Fannie Mae and Freddie Mac on MBS purchases target liquidity when rates and affordability squeeze buyers. Talk of curbing bulk single-family acquisitions by large investors aims at addressing inventory pressures. Meanwhile, FEMA’s essential operations during a shutdown still warrant contingency planning for lenders and servicers in disaster‑prone areas. Add in leadership shifts at NCUA and a Senate bottleneck on confirmations, and you get a clear view of how regulatory tone could evolve even before new statutes land.You’ll come away with a grounded view of what the DHS-only shutdown changes (and what it doesn’t), a clean comparison of the two major housing bills, and a practical watchlist for credit union mortgage teams navigating election‑year policy churn. If this helped cut through the noise, subscribe, share it with a colleague, and leave a quick review to tell us which housing provision you want passed first.

Ever feel like the compliance goalposts won’t stop moving? We sat down with regulatory expert Michael Christians, Regulatory Compliance Counsel from Michael Christians Consulting, to cut through the noise and focus on what actually protects your members and your institution. From Fair Housing’s disparate impact to ECOA’s discouragement standard and the ever‑sharp edges of RESPA Section 8, we walk through the real risks (compliance, legal, and reputational) and how to manage them without slowing your lending engine.We break down why HUD’s signals on disparate impact don’t erase Supreme Court precedent, and how a neutral policy like minimum loan amounts can still land uneven outcomes across protected classes. You’ll hear a clear framework for auditing policies, testing for unintended bias across geographies and channels, and building alternatives that align safety, soundness, and inclusion. We also revisit the Townstone case to spotlight ECOA’s protection of prospective applicants and share content guardrails for marketing, radio, and social so your brand voice welcomes applicants rather than inadvertently deters them.On RESPA, we parse Section 8 with practical examples: affiliate relationships, MSAs, steering risks, and what “thing of value” looks like when it’s dressed up as co‑marketing. You’ll leave with checklists for documenting fair market value, verifying actual services, and making shopping easy so members can compare rates and fees without pressure. The throughline is simple and powerful: hold your operational line. When agencies change their posture, court risk and community trust remain. A steady, well-documented program is your competitive edge.Hit play to get the playbook: how to test policies for disparate impact, refine scripts and content, structure partnerships safely, and keep the member journey fair from marketing to closing. If you found this useful, subscribe, share it with your team, and leave a quick review. Sponsored by RocketPro.

Leadership that earns trust, mortgages ready in 7–10 days, and a mission that puts people before profit, this conversation with Joe Rosado, SVP of Real Estate Lending and Business Services at Grow Financial Federal Credit Union, is a masterclass in how credit unions can win with speed, empathy, and purpose. We pull back the curtain on Joe’s journey from Series 7 and banking rotations to a multidiscipline executive role, revealing how a broad foundation helps him coach teams, simplify processes, and navigate market volatility with clarity.We dig into what changed after COVID and why today’s leaders must be clear communicators, patient teachers, and relentless advocates for their teams. Joe shares how he builds a culture where people work hard not to let each other down, then translates that mindset into execution: faster closings, better use of member data, and targeted digital touchpoints that raise mortgage penetration. He makes a strong case for relationship pricing and ethical, insight-led outreach that helps members act at the right moment. “Serve people, not profit” isn’t a tagline, it's an operating system.The conversation also leans into resilience. Drawing inspiration from Viktor Frankl, Joe frames leadership as a practice of hope and iteration: fail fast, adjust the sails, and move with honesty through headwinds like rates, valuations, and regional inventory gaps. We explore how local market “bubbles” demand tailored strategies, why speed-to-close is a competitive advantage, and how community service, over 10,000 volunteer hours, creates trust that marketing alone can’t buy. If you care about building high-trust teams, accelerating mortgage pipelines, and growing impact in your community, you’ll find practical insights and a renewed sense of purpose here. Subscribe, share with a colleague who needs a lift, and leave a review to tell us the one change you’ll make this week.

Most homeowners are sitting on record equity and aren’t eager to refinance into lower first-mortgage rates. That’s the opening. We invited Andria Lightfoot, VP of Client Services at FirstClose, to break down how credit unions can turn HELOC demand into real growth without sacrificing risk or member trust.We start with the big picture: why home prices remain resilient, how a glide toward 6% rates changes borrower behavior, and where credit unions can outperform IMBs that often sideline second-lien products. Andria makes a crisp case for treating home equity as its own discipline, not a mini-mortgage. That means a digital-first intake, instant prequal, transparent milestones, and integrated verifications that turn 40-day timelines into ~10-day realities. Members want speed and clarity more than teaser rates; when your process is clean, your conversion jumps.Then we get tactical. We discuss portfolio segmentation, adopting MISMO-aligned AVM standards, short-form titles for seconds, and updated credit models such as VantageScore 4.0 and FICO 10T. Andria shares where to keep stricter controls, higher lines, complex liens, and where data supports streamlined paths. We also explore targeted outreach using member equity data and life events to position HELOCs against high-interest debt, renovations, and education costs. The payoff is deeper relationships: more products per member and longer lifetime value.Finally, we talk about people and culture. Appoint home equity specialists, coach branches on modern shopping behavior, and design mobile experiences that win Gen Z without jargon. When growth, risk, and experience align, HELOCs become an engine for sustainable lending and loyalty. If you’re ready to modernize home equity, achieve faster closings, adopt smarter policy, and strengthen engagement, listen now and share with your lending team. Enjoyed the show? Subscribe, leave a review, and tell us the one HELOC step you’ll fix first.Sponsored by Optimal Blue

Want a sturdier path to relevance in credit union mortgages? We sit down with Andrew Harris, VP of Mortgage Development at Truity Credit Union in Oklahoma, to unpack how servant leadership, consistent culture, and innovative use of technology create durable member loyalty. Andrew shares the turning point in his career, from high-output producer to leader who listens first, removes roadblocks, and treats every file like a family’s future. His mantra, “one team, one member, one file,” becomes a practical system that connects development, operations, underwriting, and servicing around a single standard of care.We get candid about the industry reality: big banks and brokers wield sophisticated tech stacks and aggressive pipelines. Credit unions can compete by pairing CRMs and automation with the one advantage others can’t clone: deep relationships. Andrew explains why he doesn’t “chase leads,” he “chases relationships,” and how a timely phone call, clear expectations, and proactive guidance turn rate shoppers into lifelong members. Along the way, we talk about hiring entrepreneurial spirits and wrapping them in a supportive framework, building a culture where challenge is welcomed, and sending daily leadership insights to every chair so the whole team leads.If you care about credit union leadership, mortgage member experience, and sustainable growth, this conversation offers a roadmap: model the culture you want, modernize your technology without losing the human touch, and make consistency your brand. You’ll walk away with actionable ideas to strengthen service, increase referrals, and keep your credit union at the center of your members’ financial lives.Enjoy the episode, then share it with a colleague, subscribe for more conversations like this, and leave a quick review to help others find the show.

Headlines keep screaming doom, but the data tells a different story. We sit down with Bill Bodner, Founder and CRO at Tabrasa, to unpack why last year was quietly strong for mortgages, how the spread between mortgage rates and the 10-year Treasury snapped back toward historical norms, and what that means for pricing, locks, and strategy right now. The big idea: measure behavior, not vibes. Applications and pending home sales say borrowers are in motion, even as sentiment surveys stay gloomy.We dig into housing affordability and the growing menu of policy levers being floated, from tax code nudges that unlock down payments to targeted support for mortgage-backed securities. While not every proposal is a winner, the direction is clear and supportive. Add in the potential boost from a historically significant tax refund and steady business investment, and you’ve got real tailwinds that credit unions can turn into sustainable growth. We also get practical about risk: global bond markets can still spark volatility, but the U.S. remains comparatively strong. With the mortgage-to-Treasury spread back near its long-term range, the 10-year is once again a reliable north star for rate direction.The playbook is straightforward and urgent. Stop waiting for the media to turn positive. Double down on member outreach now, educate borrowers on how spreads and the 10-year drive rates, and use timely data to guide decisions. Prioritize purchase-readiness and database marketing while capturing a major HELOC opportunity fueled by record home equity. Expect fits and starts in a generally declining rate environment, and be ready to move when the metrics move. If you’re looking for a grounded, actionable read on where mortgages are headed and how credit unions can win, this conversation delivers.Enjoyed the episode? Follow, share with a colleague, and leave a quick review so more credit union pros can find the show.

A bed behind a safe door shouldn’t feel extraordinary, yet for many families it is. We sit down with former MMA fighter and Fight for the Forgotten founder Justin Wren to unpack how land, water, and shelter form a chain that pulls people from survival to stability. Justin shares the turn from fighting people to fighting for people, and the practical steps his team uses to help communities secure land rights, drill wells, build homes, and launch livelihoods. His stories of sweat equity, trust, and dignity reveal a blueprint for real change that resonates far beyond the rainforest.We connect those lessons to the challenges facing U.S. homebuyers: constrained inventory, rising costs, and a lending culture that can feel distant. Our conversation explores how credit unions can honor risk while rebuilding the human connection, using coaching, transparent pathways, and “hand up” models that reward effort and readiness. We talk candidly about perception, why community lenders get labeled as overly strict, and how consistent action and clear stories shift that narrative over time.From a grandmother opening the door to her first bed to a vocational hub training carpenters and welders, Justin shows what happens when purpose meets persistence. The message for lenders, members, and neighbors is the same: action beats talk. Join us for a grounded, hopeful look at homeownership, community impact, and the everyday choices that open doors, literally and figuratively. If this conversation moves you, subscribe, share it with a friend, and leave a review to help others find the show.Sponsored by Xactus

The market didn’t get easier last year, so we sharpened our approach. We invited mortgage loan officer Allie Hager to discuss a year of stretching her skills, finding her voice at ACUMA's Make Your Mark Annual Conference in Denver, and transforming a 10-minute ACUMAx talk into a playbook for sustainable growth at a credit union. The big idea is bold and straightforward: grow where you’re rooted. Instead of chasing new logos or roles, Allie shows how to turn your current platform into a launchpad by doubling down on member trust, Realtor certainty, and workflows that make lending feel human again.We walk through the realities of 2025 origination and the tactics that actually moved the needle: clean pre-approvals, proactive updates, and tech that removes friction without losing warmth. Allie shares her favorite moments from ACUMA's Annual Conference, including unexpected connections. She also opens up about ACUMAx. The prep, the nerves, and the momentum it created for a longer talk that blends mindset with execution. Along the way, we delve into why credit unions are uniquely positioned to excel in fairness, transparency, and local market knowledge.If you’re a credit union leader, lender, or marketer looking for practical ways to grow when refis are thin and buyers feel stuck, this conversation delivers: better Realtor partnerships, member-first communication, and data-driven insight that keeps you relevant. We close with what’s ahead for 2026 VIEWpoint Regional Summits, community experiences, and a renewed commitment to collaboration over competition. Tune in, take notes, and tell us how you’re growing where you’re rooted this year.Subscribe, share with a colleague, and leave a review so more credit union pros can find the show.Sponsored by Polygon Research

Housing policy is moving, stalling, and evolving all at once, so we brought in policy analyst Joel Herberman, from Brownstein Hyatt Farber Schreck, to cut through the noise. We begin with the Road to Housing Act, its removal from the defense bill, and how the House’s Housing for the 21st Century Act could still deliver meaningful reforms. From streamlined permitting to higher FHA loan limits and modern definitions that encompass modular and prefab, we identify the areas of genuine bipartisan overlap and the sticking points that will require genuine negotiation and a reliable legislative vehicle to support them.We delve into small-dollar mortgages and the affordability conundrum. Joel explains how points-and-fees adjustments or competent pilots could make sub-$200,000 loans workable again in markets that need them most. Credit unions are well-positioned to lead in this area, filling the gap where commission-driven models often overlook low-balance loans. Tie that to modular and prefab growth, and you get a practical pathway to expand entry-level homeownership without compromising safety and soundness.Then we turn to the CFPB leadership extensions, legal battles over funding, and what lenders should watch while the courts weigh in. The Bureau’s agenda isn’t disappearing, but timing and intensity may swing. We conclude with the January shutdown odds, what a partial funding landscape means for agencies, and a forward look at 2026: renewed GSE reform efforts, potential stock market movements, and a push for federal-level AI rules to avoid a 50-state patchwork. Throughout, we share practical steps for credit unions and mortgage teams to stay resilient with strong cash management, clear member communication, and model governance as AI matures.If this helped you make sense of a chaotic policy map, follow the show, share it with a colleague, and leave a quick review so others can find it. What housing reform do you want Congress to prioritize next?Sponsored by Loan Vision.

Year-end reflections are only useful if they’re honest, and that’s exactly where we go. We relive the moments that truly moved our community, an after party that validated creative risk, a rock paper scissors icebreaker that turned strangers into allies, and a pet partners activation that brought calm and joy to a packed annual. Alongside the wins, we get candid about what fell short: convention center logistics that thinned out late sessions, AV and lighting cues that needed tighter coordination, and a reminder that food quality can influence how people feel about everything else in the day.From there, we lay out a sharper 2026 playbook for credit union mortgage professionals: three experiential summits designed for practical learning and real connection. Dallas adds that honky tonk energy and live music for fast rapport, St. Louis pairs content with a behind-the-scenes look at Anheuser-Busch to mirror operational excellence, and Baltimore brings heritage and innovation together at the Inner Harbor and Guinness Open Gate. We also double down on our network meetings for servicing and underwriting, and expand YPN with monthly meetups so emerging leaders get more reps, more mentorship, and more visibility.You’ll hear why we’re shifting back to integrated hotel venues to improve session stickiness and casual collisions, how we’ll sequence general sessions with big panels and solo voices for better rhythm, and what we’re changing about production prep to keep live moments crisp. We also open up about the personal side of delivery, time, balance, and the discipline to slow down when the calendar finally does. Through it all, our focus stays on tangible member value: cleaner messaging around data products like our HMDA-driven analysis, clearer “why now” framing, and formats that make people want to stay in the room.If this conversation resonates, subscribe, share with a colleague, and leave a quick review. Your feedback shapes the experiences we build next.

A budget standoff ends, the lights come back on in Washington, and the housing world braces for what comes next. We examine the real consequences for lenders and borrowers when Congress relies on short-term fixes, including delayed hearings, stalled reauthorizations, and programs like flood insurance that are repeatedly pushed to the next deadline. With the continuing resolution in place, HUD and the CDFI Fund are back to full strength, which is good news for credit unions serving underserved communities. However, the timeline only stretches to January, and the policy stakes are rising.Our conversation turns to the CFPB’s funding uncertainty after a new DOJ opinion argues the Bureau can only draw from Federal Reserve profits. With the Fed operating at a loss, future transfers are at risk, and rulemaking could slow just as the market debates bold affordability ideas. We break down FHFA’s high-profile float of 50-year mortgages along with portable and assumable loans, explaining how each tool targets different pain points. Lower payments help some buyers but slow equity growth; portability and assumability fight the rate lock that freezes inventory. The throughline is suitability and guardrails; product design must pair with strong underwriting and clear disclosures to avoid past mistakes.We also chart the path of the ROAD to Housing Act, a rare bipartisan package that passed the Senate Banking Committee unanimously and may be included in the NDAA. Even a slimmer version could deliver practical wins for supply, program efficiency, and access, with standalone options if the defense bill route falters. Along the way, we separate the myths from the mechanics: affordability is as much about access to down payments as it is about monthly payments.Like what you heard? Subscribe, share with a colleague, and leave a five-star review to help more listeners find the show. For episode links and updates, visit acuma.org and follow us on LinkedIn.Sponsored by Loan Vision.

Ready to rethink mortgages as more than a product line? We sit down with Jerry Reed, President and CEO of Member First Mortgage, to unpack why home lending is the most powerful lever credit unions have to build member wealth, stabilize neighborhoods, and win long-term relationships. Jerry makes a compelling case that mortgages are more than just loans — they’re a mission. They collect the richest data in consumer finance, open the door to personalized guidance, and tie members to the institution at life’s most pivotal financial moment.We delve into the roadblocks that prevent many credit unions from committing to mortgages, including regulatory burden, tech complexity, staffing fluctuations, and fear of market cycles, among others. Jerry shares a practical blueprint for entering or scaling with confidence: partner with a mortgage-focused CUSO for overflow fulfillment, compliance, and secondary execution; utilize purchase or INPP channels to add assets and income; then sequence hiring for loan officers, processors, and underwriters as volume and competence grow. Along the way, we discuss the tools that matter: LOS stability, pricing and hedging, and eClose, as well as why realtor outreach and consistent turn times are key to unlocking purchase market share.The conversation also tackles mission drift. Jerry traces the movement from people helping people to growth-at-all-costs, and why board leadership must reset priorities around member outcomes: lower closing costs, transparent pricing, real education on credit and affordability, and broader access for first-time and underserved buyers. The payoff is more than brand goodwill; it’s sustainable member loyalty, stronger communities, and resilient balance sheets built on homes rather than hype.If you lead lending, strategy, or member experience at a credit union, this is a playbook for acting with purpose and precision in today’s market. Tune in now!Sponsored by Optimal Blue

When Washington grinds to a halt, households and lenders feel the tremors long before the headlines fade. We break down the current full federal shutdown, why ACA subsidy deadlines hardened the standoff, how “essential” designations keep some services moving while paychecks stall, and where the real economic bruises show up if this stretches from weeks into months. From missing jobs reports and data gaps that complicate interest-rate decisions to airport slowdowns and household cash flow stress, we connect the dots to mortgages, servicing, and credit union balance sheets.Then we pivot to a rare bright beam: the Road to Housing Act. It’s the most extensive housing package to move in years, and it cleared the Senate Banking Committee unanimously before hitching a ride on the NDAA. We unpack how “Senate magic” pushed it forward, why the House lacks a clean counterpart, and what the conference process looks like when the little four corners start trading priorities. For credit unions and lenders, this could mean incremental but meaningful improvements to housing supply, financing access, and community development—provided the final text survives the House-Senate negotiations.We also surface risks hiding in plain sight: the lapse in federal flood insurance during peak storm season, the legal and operational uncertainty from RIFs aimed at programs like the CDFI Fund and HUD, and what that means for community institutions already stretched by high rates and tight inventory. Throughout, Zach Fister offers a clear map of the politics, the policy, and the practical steps leaders can take now—member outreach for furloughed workers, skip-a-pay frameworks, pipeline reviews in flood zones, and rate-lock strategies when official data go dark.If you value straight, helpful guidance on housing and policy without the noise, you’ll find it here. Subscribe, share with a colleague who needs the signal, and leave a review to help more listeners navigate a tricky moment with clarity.Sponsored by Loan Vision.

What if the best way to serve members one-on-one is to scale their guidance to thousands? That’s the question we explore with Homebot’s Nicole Herrick, a credit union veteran who moved from the teller line and branch leadership to a fintech seat where impact multiplies. We dig into how “people helping people” becomes a practical strategy in mortgage lending, why credit unions scrutinize technology differently, and how vendors can genuinely support member outcomes without losing the human touch.Nicole shares the journey from community-first banking to platforms that deliver personalized homeowner insights at scale. We talk about speaking the credit union language, aligning tools to culture, and measuring success by loyalty, retention, and clarity for members navigating equity, affordability, and timing. Expect straight talk on vendor fit, the patience required for two- to three-year relationship cycles, and the power of authentic partnerships that outlast budget shifts. Along the way, we trade stories about career pivots, purpose, and the small choices that build trust inside lending teams and across communities.You’ll come away with a clear playbook: connect features to member value, prioritize education through the mortgage life cycle, and choose partners who match your cadence, not just your price point. You’ll also meet the human behind the role, family-fueled motivation, a home that doubles as a friendly “petting zoo,” and a sense of fun. Subscribe now, share this episode with a colleague who sells to or leads within a credit union, and leave a review to tell us your best long-game win.

Housing isn’t just math on a screen, it’s a story about stability, memory, and the people who fight to keep a roof overhead. We sit down with Julian Joseph, former FHA leader and founder of JYJ Consulting, to unpack what the “human side of housing” really means when rates are sticky, costs are rising, and trust is fragile. Julian takes us back to her time in foreclosure counseling, ground zero during the housing crisis, where desperate families taught her the North Star that still guides her work: every policy decision touches generations.From there, we get practical. We talk about the AMI traps that exclude households who look “fine on paper” but are living paycheck to paycheck, and why empathy must be an operating system, not a slogan. Julian lays out a playbook for credit unions to lead: get creative with down payment assistance (split funds across points, closing costs, and principal to maximize life-of-loan affordability), layer support with HFAs and employer contributions, and bring real member stories to policymakers so rules track with reality. We also examine a cultural shift that turns originators into trusted advisors, coaching members to restructure debt, delay a close, or pursue a different path when that’s the right move. That honesty fuels referrals, lowers default risk, and rebuilds confidence in a market still shadowed by 2008.Trust sits at the center of this conversation, and credit unions hold a unique advantage: multi-generational relationships and community roots. Use them on purpose. Host family days, financial wellness nights, and open-door hours where members can share what “affordable” really feels like in their ZIP code. Then carry those insights upstream. We close with a reminder that kindness isn’t soft; it’s how coalitions form and change happens.If this resonates, share it with your team, subscribe for more human-first mortgage conversations, and leave a review telling us how you’re building trust and affordability in your community.

Consistency might be the most underrated superpower in the mortgage industry. While many professionals chase the next big strategy or market shift, Rebecca Lorenz, CEO and founder of Infinite Success Strategies, reveals a profound truth: your daily habits determine your ultimate success.During this illuminating conversation with host Peter Benjamin, Rebecca unpacks how small, consistent actions compound over time to create extraordinary results for mortgage professionals. She challenges the disconnect between what originators say versus what they actually do, with most claiming to be relationship-focused while fewer than 10% maintain regular contact with their database.The episode introduces practical frameworks anyone can implement immediately, including the powerful FROG method (Family, Recreation, Occupation, Goals) for transforming transactional interactions into meaningful relationships. This simple approach helps originators overcome call reluctance and connect authentically with clients, revealing the 80% likelihood that significant life changes will impact someone's real estate decisions.For credit union mortgage professionals specifically, Rebecca addresses the unique challenges of balancing relationship-building with transactional responsibilities. She shares strategies like scheduling dedicated weekly client calls and intentionally structuring your time to ensure consistent follow-through. She powerfully states, "People do not decide their futures; they decide their habits, and their habits decide their futures."Whether you're struggling to reach your production goals or looking to take your already successful mortgage business to new heights, this episode delivers actionable insights on building the daily habits that create long-term success. Connect with Rebecca at infinitesuccessstrategies.com or on LinkedIn to continue the conversation about transforming your mortgage business through the power of consistency.Sponsored by Xactus

Annmarie Conboy-DePasquale from Brownstein Hyatt Farber Schreck breaks down crucial policy issues facing credit unions today, from the looming government funding deadline to major legislative wins. We examine the state of play in Washington and highlight recent victories that will impact how credit unions serve their members.Here's what you need to know:Government funding expires September 30th, but a continuing resolution is likely to extend it until mid-November. Without an agreement, a shutdown could occur, with impacts increasing the longer it lasts. The thin margins in both the House and the Senate make bipartisan cooperation essential but challenging.Trigger leads legislation was signed into law on September 5th and will take effect on March 5th, 2026The Unified Agenda reveals upcoming regulatory actions from CFPB and NCUA. The CFPB plans to revise UDAAP interpretation and issue advanced notices on loan originator compensation.The Road to Housing Act was passed unanimously out of the Senate Banking Committee with 28 provisions.• The Housing Act includes measures on housing supply, manufactured housing, appraisal process reform, and small-dollar origination. The bill may be attached to the National Defense Authorization Act to improve passage chancesDon't miss this and more on this edition of the ONpoint Podcast, the Policy Series. Tune in now!Sponsored by Loan Vision

Ever wonder what it's like to step into a room of 600 mortgage professionals who feel more like coworkers than competitors? The unique collaborative spirit of credit unions takes center stage in this episode recorded live from ACUMA's Make Your Mark Conference in Denver.We sit down with two first-time attendees who offer refreshingly candid perspectives on joining the ACUMA community. Kellie Drew, a 34-year credit union veteran from Massachusetts (who's "wicked excited" to be there), reveals how quickly her networking anxiety dissolved in the welcoming environment. Meanwhile, Katie Wilson, who's spent her entire 16-year career at Greater Iowa Credit Union, explains why MI companies consistently recommend this particular conference above all others.What emerges is a fascinating look at how credit union professionals approach growth differently. Rather than guarding knowledge as a competitive advantage, they actively seek forums to share expertise on everything from ITIN lending practices to navigating regulatory challenges. The conversation highlights ACUMA's deliberate approach to connecting newcomers through first-timer sessions, roundtable discussions, and ongoing virtual networks that extend relationships far beyond the conference itself.Whether you're considering attending an industry event, looking to expand your professional network, or simply curious about the collaborative culture that sets credit unions apart, this episode offers valuable insights into how collective wisdom strengthens the entire movement. Listen now to discover why, as Kellie puts it, "credit union people are fun" and how these connections translate to better service for members nationwide.

Tony Humphrey, VP of Mortgage Lending at One Nevada Credit Union, takes us deep into the strategic imperative facing credit unions today. As financial institutions nationwide enter budget planning season, Tony reveals why leveraging member data through predictive analytics represents the untapped competitive advantage credit unions desperately need.While credit unions constitute 43% of mortgage originators, they capture only 18% of originations – a gap Tony attributes to an overreliance on rate-based marketing and failure to harness existing member data. "We know more about these members than some of their families," Tony explains, highlighting the gold mine of information credit unions already possess but rarely use strategically.The conversation explores why credit unions must transition from generic, one-size-fits-all communication to personalized outreach aligned with predictable life events. Tony shares how meeting members at crucial financial junctures – college graduation, marriage, family formation – positions credit unions as trusted advisors rather than mere product providers. This approach builds the brand loyalty essential for weathering market fluctuations and rate environments.Most provocatively, Tony confronts an uncomfortable truth: despite their mission-driven nature, credit unions lag behind non-bank lenders in serving underserved communities. By combining predictive analytics with financial education and targeted products, credit unions can fulfill their founding purpose while growing market share in communities traditionally overlooked by mainstream financial institutions.For credit union leaders seeking strategies beyond rate competition, this conversation offers a roadmap for leveraging your greatest asset – member relationships and data – to thrive in tomorrow's mortgage marketplace. Subscribe to ACUMA's ONpoint podcast for more insights on building sustainable mortgage operations in today's challenging environment.Sponsored by Optimal Blue

What if we approached each day in mortgage lending not as a series of transactions, but as opportunities to be good stewards of the gifts we've been given? Mark Seeley, AVP of Mortgage Lending at America's Credit Union, brings this refreshing perspective to our conversation about what makes credit union mortgage lending truly different.After 20+ years in the industry and experience on both sides of the fence, Mark shares how the credit union approach transforms lives through relationship lending rather than transactional banking. "I'm blessed to be in the credit union space," he reflects. "It's probably the best time I've had in the mortgage industry."Through powerful examples, Mark demonstrates how credit unions see beyond numbers to the humans behind loan applications. He shares a story about helping a member refinance from a 65% debt-to-income ratio down to 52%—a loan most traditional lenders would immediately reject, but one that significantly improved the member's financial situation. These decisions stem from a philosophy that values stewardship over short-term gains.This mindset didn't develop overnight. Mark candidly discusses how his perspective evolved through career experiences, family responsibilities, and leadership lessons—both positive and negative. "I honestly learned more from bad leaders than good leaders," he admits, explaining how these experiences shaped his commitment to intentional positivity and servant leadership.The conversation offers a timely reminder about what truly matters in financial services. While the industry often takes success for granted during boom periods (like the recent refinance wave), credit unions maintain their north star by focusing on members first. As Mark puts it: "Money should never be one's motivator in this type of business. It's about putting families in homes and putting them in the best possible position financially."Whether you're a mortgage professional looking to reconnect with your purpose or a member curious about the credit union difference, this discussion will leave you with renewed appreciation for approaching each day as a gift and each interaction as an opportunity to make a positive impact.Sponsored by Cloudvirga

Financial regulation is undergoing a seismic shift, creating unprecedented challenges for credit unions and mortgage lenders. Our expert guest, Leah Dempsey, a Shareholder with Brownstein Hyatt Farber Schreck, walks us through the complex policy landscape reshaping credit unions' operations.The CFPB stands at a pivotal moment following a DC Court of Appeals decision that could enable significant staff reductions. While the Bureau has already fulfilled many statutorily mandated duties, this ruling raises questions about its capacity to undertake planned initiatives like payday loan rule revisions and review market participant thresholds. The legal battle continues with potential appeals, creating regulatory uncertainty for financial institutions navigating compliance requirements.Meanwhile, "debanking" receives renewed attention through a recent executive order addressing discrimination against legally operating businesses in banking relationships. Dating back to Obama-era policies that identified disfavored industries, inconsistent application of these guidelines resulted in legitimate businesses losing access to financial services. Credit unions should review their membership policies to ensure they don't categorically exclude industries or individuals without proper cause.Perhaps most dramatic is the unprecedented leadership vacuum at the NCUA, where legal maneuvers have left Chairman Kyle Hauptman as the sole board member – a situation never before seen in the agency's history. This extraordinary circumstance raises profound questions about decision-making authority and regulatory guidance, particularly for emerging areas like cryptocurrency. Credit unions face significant operational challenges amid this leadership uncertainty.The potential IPO for Fannie Mae and Freddie Mac adds another layer of complexity, with discussions accelerating about releasing the GSEs from conservatorship. Questions persist about government guarantees, implementation timelines, and the impact of complex financial arrangements from the conservatorship period. These decisions will fundamentally reshape mortgage markets and lending operations.Subscribe now to stay informed as these critical policy developments unfold, and join us next time for more expert analysis on the issues that matter most to credit unions and their members.

Ever wonder what happens when a team of mortgage industry professionals willingly subjects themselves to progressively spicier hot sauces while reflecting on their year? The ACUMA team delivers exactly that in their annual mid-year review episode, blending genuine reflection with watery eyes and burning sensations.The episode kicks off with diving into the team's favorite moments from the first half of the year. Kate, the newest team member, shares how meaningful it was experiencing her first workshop in Savannah and meeting everyone face-to-face. Camryn celebrates her return from maternity leave,Others reminisce about baseball games, successful workshops, and surprisingly competitive rock-paper-scissors tournaments that had mortgage professionals channeling their inner playground selves.Between increasingly fiery hot sauce tastings, the team candidly discusses lessons learned and areas for improvement. Krista opens up about her apprehension regarding their first convention center venue for the annual conference, citing the many uncontrollable variables compared to their usual hotel settings. Justin reflects on transportation challenges from previous events.Peter acknowledges that having back-to-back workshops in the Southeast might not have been the optimal geographical strategy.The conversation takes a delightfully spooky turn when the team shares stories about their stay at a haunted hotel in Savannah, formerly a mortuary, complete with ghost tours, mysterious occurrences, and Kate successfully terrifying Krista on an evening walk. This storytelling reveals the close-knit nature of the team and how they balance professional excellence with genuine camaraderie.Looking ahead, excitement builds around several initiatives for their annual conference, including "ACUMAx" (a new speaking platform featuring six selected presenters)An innovative exhibit hall layout, charity activities, and yes, therapy animals including dogs, possibly bunnies, and maybe even a mini horse (not a pony, as Justin learns through some gentle ribbing).The episode wraps with increasingly uncomfortable hot sauce reactions and groan-worthy dad jokes, showcasing the team's ability to maintain humor even when their mouths are literally on fire. Whether you're a credit union professional looking for industry insights or simply enjoy witnessing good-natured suffering in the name of content, this episode delivers both substance and entertainment in equal measure.

Imagine a world where nobody's watching. Would you still do the right thing? This thought-provoking question lies at the heart of our enlightening conversation with Jon Seward, former Department of Justice fair lending enforcement leader and current Of Counsel with Mitchell Sanders.Drawing from over two decades of experience as the architect of the DOJ's combating redlining initiative, Jon delivers a powerful warning to credit unions that might be tempted to relax their fair lending compliance efforts during the current administration: the regulatory pendulum always swings back. "When the feds are back in the picture, they're going to be looking at what we do now," Jon emphasizes, explaining that future enforcement actions will examine years of data spanning multiple administrations. Credit unions that maintain strong fair lending practices even without federal scrutiny will be better positioned than those that took their "foot off the compliance pedal."Looking toward future enforcement priorities, Jon predicts increased focus on underwriting disparities, particularly regarding assistance provided to marginally qualified borrowers across different demographic groups. He also provides practical guidance on automated underwriting systems and manual override practices.For credit union mortgage lenders navigating this complex regulatory environment, the message resonates clearly: maintaining robust fair lending compliance isn't just about avoiding problems, it's about serving communities effectively, building a stronger business, and remembering that behind every statistic is a real person whose life is impacted by these decisions.How is your credit union maintaining fair lending practices when nobody's watching? Join the conversation and discover why doing the right thing is always good business. Tune into the latest ONpoint Podcast for the full scoop.Sponsored by Consolidated Analytics

The "One Big Beautiful Bill Act" (OBBA) passed through Congress along party lines, preserving the credit union tax status while making significant changes to mortgage policy and CFPB funding. Zach Pfister joins the ONpoint Podcast policy series and breaks down the political dynamics behind major policy developments affecting credit union mortgage lenders and previews upcoming legislative challenges.In this discussion with ACUMA President Peter Benjamin, Zach and he discuss:Credit union tax status was preserved despite being initially considered as a potential revenue source.Successful advocacy efforts included bipartisan congressional opposition and thousands of credit union members visiting Capitol Hill.CFPB funding cut by nearly 50%, from 12% to 6.5% of the Federal Reserve's operating budget.FHFA Director Pulte is making significant policy announcements via social media.Changes to GSE conservatorship are potentially coming in the fall with a "novel approach."Tune in now to get this and much more!Sponsored by Loan Vision.

Mortgage servicing compliance represents one of the most overlooked yet critically important aspects of credit union operations today. In this revealing conversation with Scott Weintraub, VP of Compliance at MQMR, we explore why credit unions often shortchange their servicing compliance resources despite the 30-year relationship at stake.Scott shares his journey from law to mortgage compliance, explaining how his passion for helping companies comply drives him to educate credit unions about servicing risks. As he points out, "The servicing relationship could last decades, yet if there are resources allocated to compliance, it tends to be much more on the origination side."This imbalance creates significant vulnerabilities in five key areas. Escrow administration requires annual analysis and proper handling of shortages or surpluses.Customer service standards must meet regulatory expectations even for borrowers not in default.Loss mitigation processes demand consistent treatment of applications and decisions.Fee assessment and waiver policies must be applied fairly across all member segments.Fair servicing practices - a concept many credit unions don't realize exists - require vigilant monitoring.These areas are particularly dangerous because examiners consistently flag them during audits, looking not just for documented policies but evidence that these policies match actual practices. As Scott emphasizes, "The lack of a sufficient QC program is a finding that's very common."The solution builds on two fundamental principles: Comprehensively understand your servicing obligationsRegularly examine your operations. This approach transforms "unknowable risk"—the worst possible position—into manageable, addressable issues.Ready to strengthen your credit union's servicing compliance? Tune in now to get the latest.Sponsored by Consolidated Analytics

Regulatory changes have been coming fast and furious in the credit union mortgage industry, leaving many wondering what's still required and what's been relaxed. In this eye-opening episode, Amanda Phillips, General Counsel and EVP of Compliance with ACES Quality Management, guides us through the regulatory maze with remarkable clarity.Amanda brings her extensive compliance knowledge to bear on one of today's hottest topics: the withdrawal of policy statements regarding abusive acts and practices (UDAP). We explore what this means practically for credit unions, particularly regarding post-closing and servicing operations. With her unique ability to make complex compliance issues accessible, Amanda helps us understand that while certain guidance has been withdrawn, core obligations remain.The conversation takes a deep dive into PMI termination requirements, distinguishing between automatic termination (based on original loan values) and borrower-requested termination (potentially based on current valuations). We examine the potential pitfalls of online property value estimates and how they relate to PMI obligations. This section alone could save your credit union from serious compliance headaches!We also explore how the withdrawal of guidance on "unauthorized and unreasonable fees" impacts what credit unions can charge. Amanda emphasizes that transparency remains the key, even as regulatory frameworks shift. Her insights on loss mitigation rule changes provide critical context for servicing teams navigating post-pandemic realities.Sponsored by Consolidated Analytics

In this conversation with Leah Dempsey, Shareholder at Brownstein Hyatt Farber Schreck, Washington's regulatory landscape is undergoing seismic shifts that credit unions can't ignore. The CFPB under Acting Director Mark Calabria has transitioned from addressing Biden-era regulatory holdovers to implementing proactive policy changes that could benefit the credit union industry. This includes potential revisions to decade-old mortgage rules and modifications to the controversial public complaint database that has long frustrated financial institutions.Meanwhile, the reconciliation process faces significant hurdles as the Senate parliamentarian recently struck down several key provisions championed by Banking Committee Chairman Tim Scott, including an attempt to zero out CFPB funding. With a July 4th deadline looming, lawmakers face intense pressure to complete the package despite these setbacks and emerging geopolitical concerns in the Middle East potentially shifting priorities.Most significantly for mortgage lenders, the Supreme Court's recent Hobbs Act ruling threatens to upend established compliance frameworks for member communications and lending programs. Like last year's landmark Loepper decision that ended Chevron deference, courts may give less weight to interpretations from agencies like the FCC, HUD, and USDA. For credit unions navigating the complex TCPA requirements or offering government-backed mortgage programs, this could create a challenging patchwork of judicial interpretations that vary by jurisdiction.While Congress's immediate focus remains on reconciliation and stablecoin legislation, the second half of 2023 promises deeper engagement on housing and consumer finance issues more directly relevant to credit unions. These developments underscore the critical importance of staying informed and engaged with regulatory changes that will shape mortgage lending operations for years to come.Sponsored by Loan Vision

What if the annual HMDA filing you've treated as a compliance burden is your most powerful strategic tool? In this eye-opening conversation with Laird Nossuli, CEO of iEmergent, we explore how credit unions can transform their relationship with mortgage data from reluctant obligation to competitive advantage.Laird shares her passionate perspective on how HMDA data provides a comprehensive blueprint of lending patterns that can inform decision-making across your organization. From identifying gaps in your geographic coverage to spotting opportunities for product innovation, this consistently collected data offers insights beyond regulatory compliance.The conversation is particularly compelling when we discuss how HMDA analysis can help credit unions build trust in historically underserved communities. By understanding the patterns of loan denials and addressing specific barriers to homeownership, credit unions can establish themselves as trusted partners in communities where banks have fallen short. As Laird explains, this trust extends beyond individual borrowers to entire families and neighborhoods, creating networks of loyalty that drive sustainable growth.Perhaps most importantly, we challenge the conventional wisdom about mortgage lending being primarily driven by interest rates. "Interest rates don't buy mortgages. People buy mortgages," Laird notes, emphasizing that life events will always create demand regardless of rate environments. Credit unions can develop mortgage programs that thrive in any market by focusing on relationship-building rather than rate-chasing.Sponsored by Consolidated Analytics.

The compliance landscape for credit union mortgage operations has never been more complex or critical to navigate successfully. In this eye-opening first episode of our Compliance Summer Mini Series, regulatory expert Michael Christians is joined by ACUMA President Peter Benjamin, warning against developing a false sense of security in today's shifting environment.While federal regulators may be stepping back from aggressive enforcement, Michael reveals why this doesn't mean credit unions can relax their compliance vigilance. Instead, he explains how State Regulators and Attorney Generals are poised to fill the enforcement void, maintaining pressure on credit unions to uphold strict standards in fair lending, UDAP compliance, and mortgage servicing.Through practical examples and clear explanations, Michael guides listeners through the most pressing compliance challenges facing credit unions today. He explains how fair lending enforcement is evolving under the current administration, why UDAP can touch virtually every corner of mortgage operations, and how seemingly simple oversights like failing to terminate PMI on time can create significant consumer harm and regulatory risk.Tune in now as Michael uses his expertise to translate complex regulatory concepts into actionable insights, making this episode particularly valuable. Sponsored by Consolidated Analytics

The regulatory landscape for credit union mortgage lending is undergoing seismic shifts, particularly at the Consumer Financial Protection Bureau. In this revealing policy episode, we explore Jonathan McKernan's unexpected withdrawal from the CFPB director nomination and redirection to Treasury, leaving Russ Vought to continue serving as acting director for potentially another 210 days under the Federal Vacancies Reform Act.Our conversation with Policy Advisor AnnMarie Conboy-DePasquale of Brownstein Hyatt Farber-Schreck dives deep into the Bureau's recent dramatic pullback of 67 guidance documents, many from the Chopra era but some dating back to the Bureau's inception. This regulatory retreat includes withdrawing compliance bulletins on housing choice vouchers, COVID-era mortgage servicing guidance, and perhaps most significantly, policy statements that had expanded UDAAP interpretations and states' authority to enforce consumer protection laws.The episode reveals how these changes align with the administration's commitment to eliminate ten regulations for every new one implemented. We also examine potentially massive funding cuts looming on the horizon, with House budget reconciliation proposals potentially slashing the CFPB's funding by approximately 60%, reducing its ability to draw funds from the Federal Reserve.Tune in now!Sponsored by Loan Vision

What keeps you going after 30 years in the credit union industry? The answer lies in a carefully cultivated balance between professional passion and personal pursuits. Join ACUMA President Peter Benjamin and Victor Williams, Senior Vice President of Mortgage Lending at Randolph-Brooks Federal Credit Union, as they break down this balance.With 25+ years focused on helping members achieve homeownership, Victor brings profound wisdom to the conversation about avoiding burnout while maintaining excellence. The mortgage industry presents a unique challenge that has nothing to do with complexity. As Victor and Peter discuss, what makes mortgage work demanding isn't complicated math or hard conversations - it's the cognitive load of many things we have to do AND remember daily. Understanding this distinction helps professionals develop targeted strategies for maintaining mental wellness.For Victor, cycling provides essential mental decompression. Whether on road bikes, gravel, or mountain trails, these outdoor adventures sometimes extend to international cycling events, creating space for complete disconnection from work responsibilities. But not all recharging requires extended time away. Victor shares practical wisdom for those quick mental breaks during workdays: "You don't need to stare at the screen for eight hours. You're just destined for depression." Simple activities like walking around the block or playing a five-minute crossword puzzle can provide the mental reset needed to return refreshed.What truly shines through this conversation is how Victor's unique personal interests (including an amusing story about his pet prairie dog) contribute to his well-rounded perspective and ability to maintain enthusiasm for his career decades in. These elements create not just balance but a full life that enhances his professional impact rather than detracting from it.Join us for this refreshingly honest conversation about finding sustainable success in the credit union mortgage industry. Whether you're new to mortgage lending or a seasoned veteran, Victor's insights offer practical wisdom for thriving personally while serving members excellently.

The mortgage industry stands at a crossroads where diminishing regulatory oversight meets economic pressure, creating perfect conditions for a dangerous backslide in lending standards. Dan Sugg, Chief Mortgage Lending Officer with Michigan First Credit Union and a 31-year veteran of the industry, sounds a thoughtful alarm about the risks of regulatory cutbacks. Join him and Peter Benjamin, President of ACUMA on this thought provoking discussion surrounding the changes impacting the credit union mortgage industry, and what the future could look like if you don't stay vigilant.Particularly concerning is the vulnerability of first-time homebuyers being approved at maximum debt-to-income ratios. Sugg shares a striking example: "We had members pre-approved in the morning that were denied in the afternoon based on their rate moving." This illustrates how precariously some borrowers are being qualified, with little buffer against economic changes.As we navigate these changing times, staying engaged with industry associations, maintaining ethical standards regardless of the regulatory environment, and prioritizing sustainable homeownership over short-term profits will ensure we uphold what Sugg calls "the gold standard of home finance" worldwide. Tune in now to the conversation about protecting the foundation of American homeownership while ensuring fair access for qualified borrowers.

What happens when credit union mortgage leaders gather in beautiful Savannah, Georgia? Rich conversation, valuable insights, and a reminder of why collaboration matters now more than ever.The latest episode of the ONpoint podcast takes you behind the scenes at ACUMA's 2025 FOCALpoint Workshop. Host Peter Benjamin sits down with Natalie Bozeka, Director of Retail Mortgage Operations with Wright-Patt Credit Union, and Chuck Stiles, VP of Mortgage with Palmetto Citizens Federal Credit Union, to capture their workshop experience.Between bites of the city's famous she-crab soup (which both guests agreed was extraordinary), these mortgage professionals reveal what makes credit union-focused events valuable. The conversation highlights how volume-based roundtable discussions—rather than traditional asset-size groupings—create meaningful connections between credit unions facing similar operational challenges. "You get that automatic feedback from other people," Natalie explains, describing how these specialized discussions help credit unions navigate everything from LOS affordability to staffing constraints.As regulatory pressures mount, education becomes increasingly crucial. Chuck expresses concern about the rapidly changing compliance landscape: "I'm glad ACUMA is trying to help us stay on top of it...because it's frightening." The guests share how they're adopting AI tools like ChatGPT and Grammarly to navigate complex guidelines and streamline operations, presenting a forward-looking approach to mortgage management.Perhaps most compelling is their passionate call for advocacy. "If we don't all come together to advocate for ourselves, we will not survive," Chuck emphasizes. The conversation underscores how credit unions must educate lawmakers about their unique community focus before making regulatory decisions.Ready to join this collaborative community? Listen now to understand why these mortgage leaders believe investing in education and building professional relationships remain essential for credit union success in today's challenging environment. Tune in now!

Ever reach that breaking point in your mortgage career where you're ready to walk away from it all? You're not alone. This eye-opening conversation with Kim Moore, Director of Mortgage Sales at Mountain America Credit Union, tackles the elephant in the room: burnout in the mortgage industry. Despite loving what we do, mortgage professionals often hit a wall where families become just numbers, stress overwhelms passion, and the joy of helping people achieve homeownership gets buried under endless tasks. The conversation deepens into practical strategies that work, starting with remembering your fundamental "why." When you're drowning in the daily grind, attending loan closings to witness members' joy firsthand can reignite your passion. Building a reliable support team also proves crucial; knowing colleagues have your back allows you to truly disconnect when needed without worrying about clients or partners being neglected. Kim's most emphatic advice? Take real vacations. Whether it's a three-day weekend or a longer break, physical and mental distance from work provides an essential reset. Ready to transform your relationship with stress in the mortgage world? Listen now to rediscover your passion and purpose while building a sustainable approach to this rewarding but challenging industry.Sponsored by Class Valuation.

The federal policy landscape is transforming at breakneck speed, with sweeping changes across regulatory agencies that directly impact credit union mortgage operations. Leah Dempsey, Shareholder at Brownstein Hyatt Farber Schreck, joins ACUMA President Peter Benjamin to unpack these developments and provide crucial insights for mortgage professionals navigating this new terrain and what to watch for in the coming months:New leadership at FHFA with CEOs of Fannie and Freddie replaced, and John Roscoe appointed chief operating officer.GSE reform appears back on the agenda with Trump administration appointees who have experience in this areaCFPB is awaiting confirmation of Jonathan McKernan, who may take an approach similar to Kraninger era with more explicit regulatory guidanceDOGE initiative expanding to NCUA and potentially bypassing notice-and-comment rulemaking for specific regulatory changesWhite House is considering rescinding regulations that don't align with Loper-Bright's decision limiting agency authority.Senate Banking Committee planning markup sessions on housing legislation in coming months, showing bipartisan interestThe impact of tariffs creates market volatility that affects mortgage rates and potentially complicates longer-term GSE reform plans.Credit union professionals benefit from clear rules of the road and fair regulation tailored to their unique structure.Stay connected with ACUMA for continued updates as these rapid changes unfold. With new leadership at multiple agencies bringing fresh regulatory philosophies, credit union mortgage professionals must remain vigilant and engaged to navigate this dynamic policy environment successfully.Sponsored by Loan Vision.

Randy Shannon, VP of Correspondent Lending at Member First Mortgage, brings decades of credit union mortgage lending expertise to shed light on an often-overlooked resource in the industry: Credit Union Service Organizations (CUSOs). This thought-provoking conversation explores why more credit unions aren't taking advantage of these specialized partners despite their perfect alignment with credit union needs and values.Shannon reveals how CUSOs offer unmatched flexibility, allowing credit unions to maintain their identity while filling specific operational gaps. "You don't have to come to us to do everything," he explains. "We can come alongside a credit union to help them get where they want to go." This plug-and-play approach proves especially valuable for technology implementation – a significant pain point for many institutions. The discussion takes a fascinating turn when exploring marketing challenges. Shannon highlights how credit union marketing departments often struggle with mortgage-specific messaging and compliance concerns, while CUSOs can provide ready-made, compliant materials that enhance member engagement. "Marketing isn't an event; it's a process," Shannon emphasizes, advocating for consistent, year-round mortgage marketing strategies that many credit unions struggle to execute independently.Perhaps most compelling is Shannon's articulation of the shared philosophy that makes CUSOs natural partners for credit unions. "Credit unions are the people helping people. We're the people helping people help people," he notes, reinforcing how CUSOs understand the credit union difference at a fundamental level. This alignment ensures members receive the exceptional service they expect, even when certain functions are outsourced.Whether your credit union is considering technology upgrades, expanding mortgage offerings, or enhancing marketing efforts, this episode provides invaluable insights into leveraging CUSOs as strategic partners. Listen now to discover how these specialized organizations might be the missing piece in your growth strategy.

On this episode of the ONpoint Podcast, ACUMA President Peter Benjamin is joined by Yvonne Case, Director of Mortgage Sales from Texell Credit Union. Join us as Peter and Yvonne discuss advocacy for mortgage lending as a strategic imperative rather than just a necessary product offering. She challenges credit unions to increase awareness of their mortgage services year-round, noting that seasonality is no longer a factor and members will seek these services elsewhere if not prominently promoted. Her practical advice for gaining leadership buy-in focuses on the substantial non-interest income mortgages generate – particularly valuable as traditional fee income faces growing regulatory scrutiny.Additionally, she discusses the transformative power of the Texas Credit Union Real Estate Network (CUREN). Under her leadership, this vital organization expanded from Dallas-Fort Worth to serve credit unions across the entire state, dramatically increasing participation and knowledge-sharing opportunities. "Not any one person knows everything," she emphasizes, highlighting how credit unions of all sizes benefit from collaborative networking.Whether you're a seasoned mortgage professional or new to credit union lending, this episode delivers valuable insights on relationship-building, the power of collaborative networks and staying motivated through industry challenges. Listen now to discover how the credit union difference shines brightest when we work together to lift each other up.Sponsored by Optimal Blue.

The regulatory landscape for credit union mortgage operations is experiencing a seismic shift as new leadership takes control at key federal agencies. This thought-provoking conversation with policy expert Annmarie Conboy-DePasquale from Brownstein Hyatt Farber Schreck unpacks the latest developments affecting credit unions and their members.Key discussion points you don't want to miss:Newly confirmed FHFA Director Bill Pulte has wasted no time making his presence felt, appointing himself chair of both Fannie Mae and Freddie Mac boards while removing numerous board members.Meanwhile, HUD has partnered with the DOGE team to target waste, fraud, and abuse within the agency. While its core mission of supporting affordable housing won't fundamentally change, workforce reductions could significantly impact program delivery. The discussion also examines NCUA's emphasis on streamlining regulations under Chairman Kyle Hauptman. It explores recent executive orders affecting Community Development Financial Institutions (CDFIs) – a particularly concerning development considering credit unions hold approximately 65% of CDFI assets nationwide.For mortgage professionals supporting communities through lending, understanding these policy shifts is essential to navigating an increasingly complex regulatory environment. As one agency after another embraces "efficiency" as its mantra, what will the housing landscape look like when the dust settles?Sponsored by Loan Vision

Navigating the shifting mortgage landscape feels daunting, but it presents a treasure trove of opportunities for credit unions committed to serving their members. In our latest episode of the ONpoint Podcast, we had an insightful chat with Julie Bowering, Senior Vice President of Lending at A+ Federal Credit Union, as she shared her expertise on how credit unions can strategically position themselves for success in 2025. With discussions centered on establishing a robust mortgage division, understanding the criticality of GSE approvals, and enhancing member experiences, this episode is a must-listen for anyone involved in the credit union mortgage space.Sponsored by Polygon Research

What if a simple mindset shift could change the trajectory of your life? Join us as we explore this transformative concept with Jamie Aguilar, Senior Vice President of Lending at Sunward Federal Credit Union. Jamie shares her journey of resilience, balancing education and family, and how adopting a positive mindset helped her overcome personal and professional challenges. Our discussion delves into how embracing vulnerability and authentic communication can lead to profound growth. We reflect on pivotal moments that required us to choose empowerment over adversity, which improved our circumstances and set an example for future generations. With over 22 years in the credit union industry, Jamie shares her personal story of shifting from a pessimistic outlook to one of empowerment, significantly impacting her family’s well-being. To wrap up our enriching conversation, we focus on the power of choice and perspective, underscoring the idea of seeing growth opportunities even during tough times. This episode is a meaningful exploration of personal beliefs shaping reality as we discuss the importance of leaving a positive legacy. This is an episode you don't want to miss. Tune in now!Sponsored by Optimal Blue

Join ACUMA President Peter Benjamin as he is joined by Zach Pfister, Policy Director at Brownstein Hyatt Farber Schreck. Together, they will discuss navigating complex shifts within the Consumer Financial Protection Bureau (CFPB) with insights. Have you ever wondered how the changing leadership at a major regulatory agency could ripple through the financial sector? With a wave of terminations, an operational freeze, and no budget request from the Federal Reserve, could we witness a strategic downsizing of the CFPB? As Jonathan McKernan is expected to step in as the new permanent director, our discussion probes the potential future landscape of consumer protection and credit union mortgage activities amidst these changes.What does this mean for agencies like the CFPB and HUD in an era of federal workforce reductions? Zach helps us dissect the impact of these staff cuts and the resulting uncertainty for the business community, especially as communication with regulators diminishes. We explore the mixed reactions to a recent federal buyout offer and what these developments spell for maintaining compliance and agency functions. With the overarching goal of budget savings, we provide a roadmap of the challenges ahead and the possible reshaping of federal agency roles and responsibilities. Tune in for a meticulous examination of these pivotal developments. 

 How does a mortgage loan officer juggle the worlds of finance and comedy? On this episode of the ONpoint Podcast, ACUMA President Peter Benjamin sits down with Allie Hager of Telhio Credit Union. Allie shares her journey from the rigid structure of big banks to the supportive environment of credit unions, where she discovered her true calling. Along the way, she talks about balancing work and stand-up comedy, helping families achieve homeownership, and embracing resilience, humor, and authenticity. Don’t miss this inspiring blend of wisdom, laughter, and personal growth!  Tune in to the latest.Sponsored by Polygon Research

Join Peter Benjamin, President of ACUMA, and Justin Hawkins, Director of Marketing and Communications, as they sit down with Heather and Steve Bollinger, the dynamic duo behind the Bollinger Foundation. Discover how a serendipitous introduction by a mutual friend sparked a promising partnership with ACUMA, set to make waves in the credit union mortgage industry. Step into the heartfelt journey of the Bollinger Foundation, born out of personal tragedy, and its mission to support children who have lost a parent. Hear the stories of Steve and Heather's father, an influential figure in HUD, who left his family unexpectedly, and how this foundation has since transformed lives. To date, they have awarded more than 339 grants totaling $1.5 million. Feel the excitement as Heather and Steve discuss their creative strategies for community engagement, from golf tournaments to year-round fundraising efforts. Listen as they share personal motivations, from family influences to work-life experiences, all sprinkled with a touch of humor and fun. This is one you don't want to miss. Tune in now.Sponsored by Dark Matter Technologies.

What if the credit union mortgage industry is on the cusp of major changes as the political landscape shifts in Washington? Join ACUMA President Peter Benjamin on the next episode of the ONpoint Podcast as we unpack the complexities of the current political climate with our insightful guest, Leah Dempsey, Shareholder from Brownstein Hyatt Farber Schreck. With her expertise, we navigate the anticipated transitions within federal agencies, focusing on the bold moves by CFPB Director Chopra, even amidst congressional pushback, as President Trump gears up to take office. Leah provides an expert roadmap on what industry insiders can expect from these regulatory shifts, including the challenges of unwinding previous rulemaking actions. The episode also tackles the looming transitions at major finance agencies like the FHFA and NCUA. Tune in for a comprehensive discussion that promises to enhance your understanding of the regulatory landscape and its potential impact on the credit union mortgage sector.

Margaret Greczek, Senior Vice President of Real Estate Lending at Polish and Slavic Federal Credit Union, offers an insider's look at the nuances of the credit union mortgage industry. Her story is one of openness and kindness, underscoring the personal connections that have propelled her success. Join ACUMA President Peter Benjamin and Margaret as they discuss unique insights on what sets her credit union apart. Creating bridges between mortgage departments and branch operations is essential, and the discussion digs into the necessity of such relationships. Communication and understanding between the branches and mortgage departments are essential. Margaret and Peter share their thoughts on how branch managers and loan specialists can foster these critical connections, leading to more robust advocacy for mortgage initiatives. With practical strategies for breaking down barriers and empowering teams, this conversation is a treasure trove for anyone interested in strengthening internal collaboration.Sponsored by Polygon Research

David Ocasio Ross is the dynamic AVP of Mortgage Sales at AmeriCU Credit Union, who opens up about his remarkable journey in the credit union mortgage landscape. David's compelling story is not just about career achievements but also about building authentic relationships that transcend the boundaries of professional life. As we celebrate New Year milestones, David shares insights from his past experiences and offers a fresh perspective on what it means to truly be oneself in today’s fast-paced industry.Discover the power of authenticity in the business world as ACUMA President Peter Benjamin and David explore how sincerity can be the cornerstone of successful relationships. David recounts balancing his professional aspirations with his personal life, shedding light on the importance of being genuine, whether on LinkedIn or with team members. The discussion delves into the nuances of fostering a culture of transparency and connection, particularly in rural areas where reputation holds immense value. Tune in now!Sponsored by Xactus.

What if the next big shift in financial regulation is just around the corner? Join ACUMA President Peter Benjamin as he sits down with Zach Pfister, Policy Director at Brownstein Hyatt Farber Schreck, LLP, to navigate the complex policy landscape shaping the credit union mortgage industry. Together, they unravel the intricacies of Washington, D.C.’s current political climate, including the short-lived extension of government funding by the 118th Congress and the modest scope of the National Defense Authorization Act. Zach offers his expert analysis on the missed opportunities and the looming challenges that await as we head into the new year, with potential seismic shifts in reconciliation packages and tax reforms. The conversation delves into the potential restructuring of regulatory bodies like the CFPB, though such changes face significant hurdles. From housing policy to financial regulation, they assess the strategic implications for the credit union mortgage industry and how legislative efforts might evolve with the new administration's focus on housing affordability. Don't miss out on this insightful episode! Sponsored by Lender Price.

Join us as we explore the challenges and triumphs of 2024 in the latest episode of the ONpoint Podcast. You'll hear about the remarkable achievements of Team ACUMA, the hurdles we've overcome — and how we turned skepticism into thriving participation at our events. Get ready for insights into our educational initiatives and upcoming in-person events in Pensacola, FL; Savannah, GA; Seattle, WA; and Denver, CO.Amidst the laughter and learning, we celebrate the bright future of our industry, spotlighting the Young Professional Network's leadership. We're also thrilled to welcome Maddie to the marketing team, hearing firsthand her enriching experience at the Denver FOCALpoint Workshop. This segment offers a humorous recount, including a memorable run-in with showgirls, while underscoring our commitment to enhancing member connections. Plus, we take you on a historical adventure, unraveling stories in a legendary hotel setting.Feel the excitement as we set our sights on 2025, packed with new projects and team expansions. From refining the member experience with cutting-edge platforms to strategizing the perfect exhibit hall, we're all about fostering growth and engagement. As we wrap up 2024, indulge us with our lighthearted tradition of sharing dad jokes — because what's a celebration without a bit of humor? Tune in for a fun-filled, insightful ride through a year of professional growth and community building.