Industry
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This past quarter, Loan Vision hosted two standout webinars as part of our ongoing Banks and Credit Union Webinar Series—each packed with strategic insight to help depositories thrive in today’s uncertain mortgage environment.
While we paused in June, our April and May 2025 sessions featured leading voices in lending, compliance, and mortgage banking strategy. The key message? Banks and credit unions hold powerful structural advantages—if they know how to leverage them.
In April, our expert panel—Paul Hubbard (CWDL), Josh Weinberg (Firstline Compliance), and Michael Jones (UFCU)—explored how depositories can capitalize on their regulatory and balance sheet strengths to outperform in today’s market.
Depositories benefit from a single federal regulator (FDIC, NCUA, OCC) rather than multiple state agencies. As Josh Weinberg explained, this allows for clearer rules, lower administrative burden, and fewer compliance surprises—especially valuable in today’s shifting regulatory landscape.
Paul Hubbard highlighted how credit unions and banks already have deep member relationships and a variety of financial products to cross-sell—something IMBs struggle to replicate.
Michael Jones emphasized the strategic use of balance sheets to offer niche products (ARMs, home equity loans, construction-perm loans) while managing interest rate risk. He cautioned against overloading balance sheets with low-interest fixed-rate loans—a mistake that contributed to institutional failures in prior downturns.
Depositories were praised for their ability to retain clients, offer flexible portfolio products, and use in-house funding to stay active while others pull back.
Featuring: Michael McAuley, Principal at Garrett McAuley
In May, veteran mortgage banker and warehouse lending expert Michael McAuley led a solo session breaking down the biggest—and often overlooked—strategic and operational missteps that banks and credit unions make in their mortgage business.
Many institutions don’t understand the difference.
Some institutions cut mortgage operations at the first sign of margin compression. McAuley warned this is often shortsighted—mortgage banking is a countercyclical business that can carry a bank through downturns in commercial or consumer lending.
Banks and credit unions have advantages IMBs do not:
Yet many fail to market or optimize those assets effectively.
Mortgage divisions often suffer from poor financial reporting.
McAuley explained that P&L ownership is fragmented:
Mortgage banking is high-volume and process-intensive. Institutions must:
McAuley emphasized the need for real-time, actionable loan-level data. Without tools like Loan Vision, mortgage managers are flying blind.
He stressed the importance of:
Mortgage should feed deposit growth, HELOCs, credit cards, and more—but only if departments are aligned.
McAuley noted that many banks fail to attribute deposit and product gains back to mortgage, undercutting investment in a channel that drives enterprise value.
Across both webinars, the message was clear:
Banks and credit unions are structurally set up to succeed—but success isn’t automatic.
To win in the current market, institutions must:
✅ See How Loan Vision Helps
Loan Vision gives credit unions and banks the financial infrastructure to:
Book time with our team to see how Loan Vision supports smarter, more profitable mortgage operations for banks and credit unions.
As Loan Vision’s Director of Marketing, Danielle “Dani” Coley oversees all aspects of the marketing function of the Loan Vision Go-To-Market (GTM) team, including, but not limited to: Demand Generation strategy implementation, pipeline budget and forecasting, vendor partner management, and Loan Vision Brand Strategy. Dani, as she is affectionately called, also oversees all corporate and educational events, including the annual Loan Vision User Conference, annual Client Appreciation Dinner, and User Advisory Council, among others. Prior to Loan Vision, Dani has spent the last 10 years working in both agency and corporate marketing spaces, spanning everything from political fundraising and EdTech, to mortgage banking and SaaS platform lead gen. Outside of her work, Dani is an eclectic soul, with a passion for film, photography, and international travel. Dani resides in Decatur, GA (by way of Norfolk, VA) where she lives with her only son, Isaiah – a rising freshman at her alma mater, Norfolk State University.
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