American Credit Union Mortgage Association

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American Credit Union Mortgage Association The ACUMA Community is a place for high performance credit union mortgage lending professionals.

The American Credit Union Mortgage Association - dedicated to the principle that credit unions have both an obligation and a competitive need to become a "premier provider of home loans" for their membership.

🏠 The ROAD to Housing Act is now law. What does it mean for credit union mortgage lenders?From expanding access to small...
10/15/2026

🏠 The ROAD to Housing Act is now law. What does it mean for credit union mortgage lenders?

From expanding access to small-dollar mortgages to updating appraisal requirements, the 21st Century ROAD to Housing Act could create new opportunities for credit unions and their members.

But the real impact will depend on how federal agencies implement the law.

Our latest article breaks down what credit union mortgage professionals should be watching, including:
âś… Small-dollar mortgage lending
âś… Appraisal requirements and processes
âś… Manufactured housing financing
âś… Housing supply and affordability
âś… Regulatory changes affecting credit unions

The legislation is in place. Now comes the important part: implementation.

đź”— Learn what these changes could mean for your credit union and how to prepare: https://bit.ly/4s0KQMs

Your database is talking. Are you listening?Your credit union already has the data. Are you using it to create stronger ...
10/14/2026

Your database is talking. Are you listening?

Your credit union already has the data. Are you using it to create stronger member engagement and uncover new mortgage opportunities?

Join us on October 21st at 1 PM EST for the next Marketing Network Quarterly Meeting with special guest Dr. Bruce Lund, Founder & CEO of Accountable CRM.

We’ll talk about CRM strategy, database ownership, marketing and lending alignment, real-world use cases, and how to get more ROI from the data you already have.

👉 Register today and join the conversation! https://bit.ly/4h6UKae

đź“Š Mortgage lending is up 19%, but is momentum slowing?Refinance activity is driving growth, yet monthly mortgage volume ...
10/13/2026

đź“Š Mortgage lending is up 19%, but is momentum slowing?

Refinance activity is driving growth, yet monthly mortgage volume declined 7%. Meanwhile, home equity lending continues to present opportunities for credit unions.

What do these trends mean for your lending strategy?

đź”— Explore the latest mortgage and home equity insights: https://bit.ly/4ybsRoa

What if the problem you’re trying to solve isn’t actually the problem?Good leaders can look at the same facts and reach ...
10/12/2026

What if the problem you’re trying to solve isn’t actually the problem?

Good leaders can look at the same facts and reach very different conclusions. Sometimes, the difference is the context each person brings into the room.

One board meeting. A struggling organization. A decision that seemed obvious. Then one question changed the entire conversation.

💡 Before deciding someone is wrong, it may be worth asking: What problem do they think we’re trying to solve?

đź”— https://bit.ly/3VnGrHp

🏠 The 21st Century ROAD to Housing Act is officially moving from legislation to implementation.Federal agencies have beg...
10/09/2026

🏠 The 21st Century ROAD to Housing Act is officially moving from legislation to implementation.
Federal agencies have begun putting key provisions into action, but some of the changes most relevant to credit union mortgage lenders are still ahead.

From reconsideration of value requirements and small-dollar mortgages to future housing programs and regulatory studies, the next several months could bring important developments for the mortgage industry.
What should credit unions be watching?

đź”— Read the latest on ROAD to Housing Act implementation and what comes next: https://bit.ly/4hpSOvc

Today’s the day!Join us for Navigating Servicing Risk: Fairness, Delinquency & Successful Transfers, our latest ACUMA Se...
10/08/2026

Today’s the day!

Join us for Navigating Servicing Risk: Fairness, Delinquency & Successful Transfers, our latest ACUMA Servicing Network Quarterly Meeting.

We’re bringing credit union servicing professionals together to talk about fair servicing audits, delinquency trends, benchmarks, and successful servicing transfers.

There’s still time to join the conversation.

đź”— Register here: https://bit.ly/4gn6W7P

Your members may trust their credit union. But that doesn’t mean they’ll automatically refinance with you.As digital len...
10/07/2026

Your members may trust their credit union. But that doesn’t mean they’ll automatically refinance with you.

As digital lenders make it easier than ever to compare rates and switch providers, mortgage retention requires a more proactive approach.

🏠 Engage members before they start shopping
đź“Š Use data to identify signals of borrower intent
📱 Deliver seamless digital experiences
🤝 Keep the relationship at the center of servicing

The next refinance opportunity could also be a retention test.

See how credit unions can rethink their strategy and stay connected throughout the homeownership journey. 👇

đź”— Read the full article: https://bit.ly/4rHJkyR

What happens when your credit union has to say “no” to a mortgage?You may lose more than the loan. You could lose the me...
10/07/2026

What happens when your credit union has to say “no” to a mortgage?

You may lose more than the loan. You could lose the member.

🎙️ On the latest ONpoint, Joe Onofre of Novus Home Mortgage explains how TPO lending can help credit unions expand their options, protect member relationships, and create more opportunities to say “yes.”

🎧 How Credit Unions Say Yes With TPO Lending

Listen now 👇
https://bit.ly/4hU6DkD

The National Flood Insurance Program could expire again on December 11.If it does, what happens to mortgage loans in spe...
10/06/2026

The National Flood Insurance Program could expire again on December 11.

If it does, what happens to mortgage loans in special flood hazard areas?

An NFIP lapse doesn’t necessarily mean lending has to stop, but credit unions need to understand their options and requirements.

Our latest Compliance Insights breaks down what lenders need to know and how to prepare.

đź”— Read more: https://bit.ly/4xLSJXD

Today at 2:00 PM ET!There’s still time to register for A Volatile Equilibrium, sponsored by the FHLB/MPF Program.Join FH...
10/06/2026

Today at 2:00 PM ET!

There’s still time to register for A Volatile Equilibrium, sponsored by the FHLB/MPF Program.

Join FHLBank Chicago’s James Hotchkiss for a data-driven discussion on the economic crosscurrents shaping growth, inflation, interest rates, housing markets, and the outlook for financial institutions and borrowers.

Don’t miss the conversation.

đź”— Register now: https://bit.ly/4qIdxgz

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