FocusOne

06/01/2026

Credit scores tell part of the story. AI underwriting helps lenders see the rest. 💡

The next generation of borrowers doesn't fit traditional credit models, and credit unions that recognize that are finding real opportunity.

Our latest article breaks down how AI-powered underwriting is helping lenders say yes to more qualified borrowers, make faster decisions, and grow their portfolios without adding risk.

👉 Read it here: https://focusone.com/beyond-the-credit-score-how-ai-underwriting-is-unlocking-the-next-generation-of-borrowers/

Credit unions can approve more qualified Millennial and Gen Z borrowers with AI-powered underwriting — without increasing portfolio risk. Here's how.

05/29/2026

As we close out another school year with our Adopt-a-School partner, Emmott Elementary, we wanted to take a moment to recognize the incredible educators and staff who make a lasting impact on their students every day.

Today, the FocusOne team delivered bundt cakes to celebrate Teacher Appreciation Week and the teachers' final day before summer break. 🍎🍰

Supporting local schools is an important part of our commitment to the communities we serve, and we're grateful for the opportunity to partner with Cypress-Fairbanks ISD's Emmott Elementary throughout the year.

Thank you to the teachers, staff, and administrators whose dedication helps students learn, grow, and succeed. We hope you enjoy a well-deserved summer break!

💙 Happy Teacher Appreciation Week from all of us at FocusOne.

05/28/2026

What a great week! FocusOne's own Adrian Dominguez and John Riley presented at the Houston Chapter of Credit Unions Leaders Academy, sharing the story of CUSOs and how they serve the credit union community.

Through our Dream Educational Foundation, we were able to sponsor 9 credit union professionals to attend the program. Investing in people who serve their members every day is something we take seriously.

Proud of this one. 🙌

05/26/2026

When will mortgage rates drop back to 5%? It might be the wrong question to ask.

Our EVP Keith Varney breaks down why today's rates are holding firm, and what credit unions should actually be doing about it. Hint: waiting for the "perfect" rate is like sitting at every light waiting for green before you start driving. You'll never move.

Read it here 👇

Mortgage rates remain elevated. Learn what today’s mortgage environment means for credit unions and how to adapt your lending strategy.

05/20/2026

Please note: FocusOne offices will be closed on Monday, May 25th in observance of the Memorial Day holiday. We’ll resume normal business hours on Tuesday.

05/18/2026

🚘 Members are already shopping online for their next vehicle… is your credit union part of the process yet?

Today’s car buyers are researching, comparing, and making financing decisions earlier than ever before. Credit unions that adapt to this shift can create stronger member relationships and win more auto loans.

In our newest blog, we break down:
✔️ Why online car shopping matters for lenders
✔️ How member expectations are changing
✔️ What credit unions can do to stay competitive
✔️ Ways to create a smoother lending experience

Read more here 👇
https://focusone.com/your-members-are-already-shopping-is-your-credit-union-auto-lending-strategy-ready/

Your members are already car shopping — without you. See how a credit union auto lending strategy built on early visibility can change that.

05/11/2026

Auto repair costs are up — way up. 🚗🔧

Tariffs on imported parts are pushing repair bills into territory that's genuinely shocking. We're talking $11,000 engine jobs. $14,000 transmission replacements. Real claims. Real numbers.

For credit union members still paying on a car loan, a repair bill like that creates an impossible choice. And for credit unions, that choice can become a delinquency.

The good news? There's a smarter way to protect your members, and your portfolio. Our latest blog explains what's happening and what to do about it.

👉 https://focusone.com/the-tariff-effect-why-rising-parts-costs-make-your-vsc-program-more-valuable-than-ever/

Rising auto repair costs from tariffs are creating real portfolio risk for credit unions, and a stronger case for a well-structured VSC program. See the data.

05/08/2026

Thinking about launching your own mortgage program? 🏡 It's a big opportunity, and Valerie Lozano wants you to pause on one thing first.
Fixed costs like technology, compliance, and staffing don't go away when demand dips.

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

05/07/2026

What a great day at the Houston Chapter of Credit Unions Annual Golf Tournament! ⛳️

Our team was proud to help organize and support this amazing event. Even better, the tournament raises money for scholarships and grants that benefit high school students and credit union staff throughout our community.

Huge thanks to everyone who came out, sponsored, volunteered, and played. We love being part of events that bring people together for a great cause! 💙

05/06/2026

What says Happy Mother’s Day more than flowers?
Tacos! 🌮💐

Yesterday we celebrated all the wonderful moms a little early with a Cinco de Mayo party full of tacos and non-alcoholic margaritas.

Happy Mother’s Day to all the amazing moms out there. We hope you feel celebrated every day! ❤️