ACUMA ONpoint

Saying “no” to a mortgage request can cost far more than a single loan. When a member has to leave your credit union to find an FHA loan, a VA option, a USDA program, or a non-QM solution, you risk losing the entire relationship, not just the mortgage. We sit down with Joe Onofre, Director of TPO Lending at Novus Home Mortgage, to get practical about how credit unions can continue serving members even when an in-house product is unavailable.

We unpack why the post-refi boom hangover still shows up as liquidity pressure, slower origination, and stalled marketing. From there, we dig into third-party origination (TPO) as a credit union mortgage strategy that widens your product menu while protecting the member experience. Joe shares a stat that should make any leader pause: when needed capabilities are missing, 27% of members may switch. That is the real cost of a declined FHA borrower who simply needs a different path to homeownership.

We also tackle the myths that keep teams stuck. Does TPO mean more work, more training, and more operational overhead? Not necessarily. We compare two models, including a clean file handoff approach in which your staff identifies the need, uploads the file, and then gets back to what they do best while the partner runs the loan through to closing. We talk about recourse fears, early payment default concerns, and why the right structure can reduce risk. You will also hear which products come up most often: FHA first, with bank statement loans close behind.

If you want clearer options for member retention, mortgage liquidity, and sustainable growth for your credit union mortgage program, press play. Subscribe, share this with a teammate, and leave a review so more credit unions can keep saying yes.

A big chunk of your membership is aging into a tough math problem: retirement income goes down, but the monthly mortgage payment stays the same and property taxes, insurance, and healthcare costs keep climbing. That’s why we sit down with Chris Mayer, CEO of Longbridge Financial, to talk about the product many credit unions still avoid, reverse mortgages, and why the avoidance may be costing members real options and costing credit unions real relationships. 

We use HMDA data as the starting point and then get specific about what it’s signaling. Chris shares why older borrowers are frequently denied under standard underwriting, especially when debt-to-income ratios are high, and the borrower is living on a fixed income. We talk through how an FHA-insured HECM reverse mortgage and newer proprietary reverse mortgage products can create a different outcome: access home equity with no required monthly principal and interest payments, designed to support aging in place. 

We also tackle the two biggest blockers we hear from credit unions: the stigma around the term “reverse mortgage” and the fear of losing the member relationship if the loan is originated or serviced elsewhere. Chris explains how the right partner can respect the existing relationship, and we outline a practical first step any credit union can take immediately: review your recent denials and incomplete applications for members over 62 to see who could have qualified with a reverse option. 

If you care about financial wellness, member retention, and serving members for life, this one is for you. Subscribe, share this with a teammate, and leave a review with your biggest question about reverse mortgages so we can keep the conversation going.

Sponsored by Polygon Research

Summer recess doesn’t mean the mortgage policy world takes a break. Peter Benjamin sits down with Leah Dempsey, Shareholder at Brownstein Hyatt Farber Scheck, to map the fast-moving DC updates that directly affect credit union mortgage lending, regulatory compliance, and the day-to-day work of keeping loans flowing for members.

We start with the people who set the tone at the top: John Crews is confirmed as the new NCUA chairman, and Brian Johnson is progressing toward becoming CFPB director. Leah explains what happened in Senate Banking, why the CFPB remains politically charged, and why leadership changes matter when agencies are actively shaping rules that touch everything from disclosures to supervision.

Then we dig into the policy fights. We walk through the House Financial Services push for CFPB reform, including the idea of requiring cost-benefit analysis in rulemaking, revisiting how broadly UDAAP is interpreted, and rethinking oversight mechanics. A key practical issue for credit unions is the CFPB supervision threshold, with proposals to move it from $10 billion to around $21 billion and the real compliance and exam burden that can arrive the moment a credit union crosses the line.

Finally, we unpack the CFPB’s request for information on mortgage credit issues and why TRID keeps coming up. We talk about technical timelines, disclosure overload, and whether a new wave of targeted changes could make mortgages easier to deliver without sacrificing consumer protection, especially during a housing affordability crisis. If you care about TRID, TILA-RESPA, CFPB supervision, and what’s coming next in fall hearings and the midterms, this one is for you.

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Sponsored by Optimal Blue

HMDA is sitting in plain sight, and most lenders still treat it like a once-a-year reporting requirement. We think that’s a huge miss. HMDA data is a public record of mortgage applications and outcomes that links lenders, borrowers, loan products, and geography, making it a market map for any credit union trying to grow smarter and serve members better. 

We’re joined by Val Buresch, CEO of Polygon Research, to break down what HMDA actually captures and why executives should care. We dig into the story the latest dataset tells, including the surprising rise in HELOC originations and what it means when independent mortgage banks start gaining ground in categories that credit unions often “own.” We also get practical about opportunities hiding in the numbers, especially secondary market execution with Fannie Mae, Freddie Mac, and Ginnie Mae, and how liquidity and product depth can expand without abandoning relationship strategy. 

Then we turn insights into an action plan. We talk candidly about whether the data support the credit union's mission, where pricing shines, and where outreach across the broader community can fall off. Val points to a signal leaders should not ignore: “Approved Not Accepted,” when a borrower is approved and still walks away. We also cover what to watch in DC, including CFPB activity around disclosures, the growth of non-QM and DSCR investment-property lending, fair-lending risk, and how AI is changing the way market intelligence is used. 

If you want to use HMDA for mortgage strategy, member engagement, fair lending alignment, and real competitive analysis, press play. Subscribe, share this with a lending leader, and leave a review so more credit union teams can find the show.

Sponsored by Polygon Research

AI in credit unions can feel like a risk until you see it as a workflow you can test, measure, and control. We’re joined by Eric Burgess, Director of Home Loans at First Commerce Credit Union, to talk about what it really takes to get comfortable being uncomfortable and start using artificial intelligence in mortgage lending without handing over the keys. Eric shares how he delved deeply into AI training and why he helps others learn through the AI Learning Lab community.

We get practical fast: prompt engineering as the starting point, why “human in the loop” is non-negotiable, and how leaders should think about data security when employees use public LLM tools like ChatGPT. Eric breaks down a crawl-walk-run approach for credit union AI adoption, including a simple but powerful pilot: running vendor contracts through an AI agent in seconds, then comparing the output to attorney redlines that can take weeks.

From there, we move into agents and automation using tools like Microsoft Copilot Studio, including a mortgage quality-control agent that flags risks and dramatically reduces QC time while leaving final decisions to people. We also explore what “advanced” can look like, from AI-assisted underwriting that boosts underwriter productivity to predictive analytics dashboards that improve planning and forecasting.

If you’re looking for real AI use cases in credit unions, mortgage operations, and lending productivity, this conversation is a strong place to start. 

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Sponsored by Xactus

“Recapture” gets thrown around like a single, simple number, but the truth is messy: there are many definitions, and your strategy can be wrong if your math is fuzzy. We’re joined by Marina Walsh, VP of Industry Analysis at the Mortgage Bankers Association and a two-time HousingWire Women of Influence honouree, to unpack how MBA defines servicing recapture, why the numerator and denominator matter, and what changes when you add products like HELOCs and second liens to the mix.

From there, we zoom out to the bigger goal credit unions care about most: deepening member relationships. We talk about practical relationship metrics like products per servicing customer, the share of servicing borrowers with any other credit union product, and why customer satisfaction and Net Promoter Score can make or break retention. One missed call, one escrow surprise, or one closing issue can cost the next loan and the referrals that follow.

We also dig into the tech side, including AI, automation, and predictive analytics, and how top lenders use borrower signals to act earlier than competitors. Think about deposit and income changes, home equity levels, credit movement, loan age, and even what members click on your site. We wrap up with Marina’s three priority moves for the next 12 to 18 months, plus MBA’s forecast through 2028 on rates and volatility, and why we’re still living in a purchase-led market. If you found this useful, subscribe, share the show with a colleague, and leave us a review so more credit union mortgage leaders can find it.

Sponsored by Dark Matter Technologies

Carolina Reaper hot sauce has a funny way of making people tell the truth. While we work our way through five sauces from The General’s Hot Sauce, our ACUMA team shares the real stories behind this year’s credit union mortgage events, from unforgettable off-sites to the small details that make members feel connected. It’s our fan-favorite hot sauce challenge, but it’s also a practical debrief on what creates value at a conference.

We talk about what stood out at summits and workshops in places like St. Louis, Dallas, San Diego, and Baltimore, including the moments members still bring up today. Then we get specific about programming: why icebreakers like the scavenger hunt actually improve networking, why roundtable discussions can be the most productive part of the agenda, and what it looks like when credit unions and vendors collaborate in ways that help everyone solve real mortgage and servicing challenges.

We also share lessons learned you can apply to any event plan, including how traffic and transportation can shape the attendee experience, as well as a growing problem for associations: fake travel agent calls and emails targeting registered attendees. We close with what we’re looking forward to next, including ACUMA Annual in Las Vegas, September 20-23, more network meetings and roundtables, and a kickoff luau we cannot wait to see come to life. Subscribe, share this with a colleague, and leave a five-star rating if you want more episodes like this.

If AI shows up in your mortgage operation tomorrow, does it make your credit union feel more personal or less? We sit down with Ayo Opeyemi, co-founder of Vertyx, to tackle the fear head-on and replace it with a clearer, more useful framework: technology can deepen human relationships when it’s built to serve the member, not to dodge the conversation.

We talk about what Ayo calls “tech-enabled empathy” in credit union mortgage lending. That means automating the human-intensive, tedious work that drains time from real service, and using data to surface personalized insights that help your team reach out with relevance. Instead of blasting generic offers, the goal is a post-close engagement experience that feels like guidance: timely, specific, and grounded in the homeowner’s best interest. We also get practical about mortgage servicing workflows, subservicer oversight, and why success-based pricing models can make technology adoption less risky for credit unions of any size.

From the “robot uprising” jokes to the serious realities of regulation lag and job-security worries, we keep coming back to one truth: members still want a person when the stakes are high. If you’re trying to modernize your member experience without losing what makes credit unions different, this conversation provides language, examples, and a simple way to start internal buy-in conversations with leadership and frontline teams.

Subscribe to ACUMA's ONpoint Podcast, share this with a colleague who’s navigating mortgage technology decisions, and leave a review. What’s one task you wish automation would take off your plate first?

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.

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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