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.

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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.

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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.

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