On this week’s episode of The Big Picture, Rich and Rob were joined by Sue Woodard and Bill Bodnar for a lively breakdown of what’s working—and what’s still wildly broken—across the mortgage experience and capital markets. From Fed policy whiplash to the bond market’s split personality, Bill brought the macro insights while Sue translated them into what lenders actually need to hear about borrowers and behavior.

We also tackled the industry’s cautious (read: glacial) response to the VantageScore announcement and what it’ll really take for adoption to catch on. With a shared history at Vantage, Sue and Bill didn’t hold back—delivering sharp takes, real talk, and just enough friendly fire to keep things entertaining. One of our most balanced and candid conversations yet.