On Today's Episode, Jeremy talks with Paul about how to balance the tactical changes and "existential" challenges during 2026 planning season. Jeremy and Paul explore how to plan incremental change in the context of the so-called threat of AI. For instance, what are the priorities for your focus as a lender and a tech company today when consolidation, Ai/Tech, regulatory changes and cost of business are all crashing together at the same time? If you just look across LinkedIn and advocacy efforts, you would be told 3 things are priorities - 1) Credit reports and credit scores + cost ($5 , $7, $13 increase) 2) Credit trigger leads 3) AI writ large. What’s really the change? Takeaway #1 - Incremental change is important IF it’s leading you to strategic goal or strategic path. For instance, if we’re making “small” credit changes, is it actually bringing functionality to your business? Takeaway #2 - The key question: are we at the point where we can now nurture and generate “resilient” funnels by using AI to make sales people more efficient and effective? Paul has confirmed we are now at the point where lenders can “bring it together” to reach up-funnel and connect to consumers BEFORE they go elsewhere. Making it a better experience for everyone. Final Takeaway - How lenders approach the answers to these questions will be determined by mission, purpose and goals. May sound abstract but control, change management, and future success will be based on a company's culture, trust and ability to execute. Some best practices are best practices for a reason. You can overcome volatility with your people and clear direction. #innovation #mortgagetech #creditscore #chrismancommentary

This week, Brian Vieaux, Christy Soukhamneut, Kevin Peranio, and Courtney Thompson discuss the Federal Reserve’s decision to hold interest rates steady, exploring what this signals for the broader economy and mortgage industry. With a quiet news cycle and the back-to-school season in full swing, they’ll also touch on today's payrolls miss, and the noticeable slowdown across social platforms like Truth Social and X. Tune in as the team breaks down what a lull in headlines means for industry professionals and what to keep an eye on as the market gears up for a busier fall season.