Horace doesn’t want to talk about how the Fed raised rates.

It’s a poorly-kept secret that more than a few LOs still believe that it’s all about the rate, the rate and the rate—nothing more. And yet, somehow, the best LOs manage to produce in any market.

There are two factors that “traditionalist” employers in any industry—but especially a highly-traditional industry like ours—had better absorb quickly. First, almost half of the global workforce is thinking about quitting. Second, there’s no safety in homogeneity

The digitization of the mortgage loan process, although at times painfully slow, has come a long way. Especially in the past 10 years. And as that digital revolution has unfolded, we’ve seen a few distinctive phases.

Octavia hits the ground running after being away on a summer vacation.

Many of us remember the days of percentage rates in the teens. The best prepared businesses still made money. Home values weren’t even at record highs! And the sky did not fall after all.

It wouldn’t be a LodeStar Lending Leaders Summer Session if we didn’t include an episode about generational differences. This week we tapped our resident Gen Zer, Fiona, to discuss differences between Gen Z and Millennials.

Octavia gets back from vacation and wants to know if Horace contacted the referral she sent his way.

My generation, by and large, doesn’t necessarily need to have a mortgage process we can take from start to finish on an iPhone, although we’re also not enamored with reams of paper and prolonged, data-exchanging phone calls, either.