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ACUMA’s ONpoint Podcast series features some of the mortgage lending industry’s leading lights offering strategic insights and sound solutions to the challenges lenders face every day. In addition, each episode ends with a little bit of humor to help reset the tone of your day. Both personally and professionally, Onpoint Podcasts are an excellent investment of small amounts of time in return for great rewards.
95 Episodes
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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...
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 s...
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), reveal...
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 ...
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 le...
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 ...
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 h...
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 complia...
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 ...
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...
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 pra...
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 complain...
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 identifyin...
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 c...
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 ...
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...
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 uni...
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...
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 endl...
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 Joh...
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