FocusOne

09/01/2026

Budget season is a good time to ask a harder question:

What does your indirect lending program actually cost?

The obvious expenses are easy to find. The hidden costs, from after-hours coverage gaps to staffing inefficiencies and lost dealer opportunities, may be harder to see.

Our latest blog looks at the real cost of running indirect lending in-house and four questions credit unions should consider as they build their 2027 budgets.

Read more:
https://focusone.com/what-it-actually-costs-to-run-indirect-lending-in-house/

Indirect lending is not expensive. Running it below scale is. A real cost breakdown for credit unions building a 2027 auto lending budget.

08/31/2026

Happy Labor Day! 🇺🇸

Our offices will be closed Monday, September 7th, in observance of the holiday.

We appreciate the hardworking people who help keep our communities and our nation moving forward.

08/26/2026

🏡 Houston Realtors, ready to turn more opportunities into closings?

FocusOne Mortgage and Open Title Texas are teaming up for a 2 HR CE Lunch & Learn built around something every real estate professional can use more of: better targeting, stronger lead generation, and higher conversion.

📅 Wednesday, August 26
⏰ 11 AM to 1 PM
📍 GHBA in Houston
🍽️ Lunch provided
🎓 2 HR CE Class

Come learn, connect, network, and leave with actionable ideas you can put to work in your business.

Stop Waiting. Start Closing.

RSVP required 👇
https://www.eventbrite.com/e/targeting-lead-generation-conversion-ce-class-tickets-1994151024395?aff=oddtdtcreator

08/25/2026

Your auto portfolio may already hold more opportunity than you think.

The relationship with an indirect borrower does not have to end when the loan closes. A thoughtful post-close strategy can create opportunities to reconnect with members, strengthen portfolio protection, and generate additional non-interest income.

Are you making the most of the loans you already have?

Take a closer look at the opportunities that may be hiding in your existing auto portfolio:

https://focusone.com/winning-the-loan-is-only-half-the-opportunity/

Learn how credit unions can turn indirect auto loans into greater member protection, portfolio stability, and non-interest income through smarter VSC strategy.

08/19/2026

If you missed it last month, here’s another look at how credit unions can create more value from their dealer relationships.

Through MAC Wholesale, credit unions and CUSOs can take a more active role in dealer partnerships, support more of the member’s vehicle-buying journey, and create a recurring source of non-interest income.

See how the model works:
https://focusone.com/beyond-auto-loans-how-credit-unions-can-generate-revenue-through-mac-wholesale/

Learn how credit unions can use MAC Wholesale, existing dealer relationships and revenue sharing to generate recurring non-interest income.

08/12/2026

You won the auto loan. Now what?

For credit unions, closing the loan can be the beginning of a much bigger opportunity.

From VSC pe*******on and indirect borrower re-engagement to portfolio protection and additional income, there are several ways to create more value after the loan is booked.

Our latest blog breaks down where to look and what credit unions can do next.

Read more:
https://focusone.com/winning-the-loan-is-only-half-the-opportunity/

Learn how credit unions can turn indirect auto loans into greater member protection, portfolio stability, and non-interest income through smarter VSC strategy.

08/12/2026

🎉 Celebrating 10 Years! 🎉

Congratulations to Donna MacGregor for an incredible 10 years of service and dedication!

Donna has been an important part of our team, and reaching a decade is a milestone worth celebrating. Adrian Dominguez and Brandi Davidson presented her with a plaque recognizing this special achievement.

Please join us in congratulating Donna and thanking her for 10 amazing years! 👏🎊

Congratulations, Donna! Here’s to many more!

08/06/2026

Back-to-school season is here! 📚🍎

Earlier this week, the FocusOne team stopped by Emmott Elementary with snacks and drinks for teachers and staff during their Professional Days.

With students returning next week, we wanted to help keep the Emmott team fueled as they prepare classrooms and get ready for another great school year.

We’re proud to support our Adopt-a-School partner and the incredible educators who make a difference every day. Wishing everyone at Emmott Elementary an amazing start to the year! 💙

08/03/2026

An aggregate pull-through rate of 60% can look perfectly healthy.

But what if half your dealer network is converting at 85%, while the other half is using underwriting capacity on deals that never close?

That is the problem with lagging indicators. They can average away the details you actually need to see.

Our latest article breaks down five leading metrics that can help credit unions identify dealer friction, funding delays, missed member opportunities, and early portfolio risk.

Read more:
https://focusone.com/5-leading-metrics-that-actually-predict-indirect-lending-performance/

Volume and delinquency tell you what already happened. Here are 5 leading indirect lending metrics that predict performance, plus the red flags to watch.

07/28/2026

Mortgage lending in 2026 is not for the faint of heart. ❤️‍🩹

The market is challenging, member expectations are changing, and credit unions need to know whether their mortgage programs are positioned to compete.

Our latest blog shares four important pulse checks covering purchase strategy, referral relationships, operational performance, and first-time homebuyer readiness.

How healthy is your mortgage program?

Read the full article:
https://focusone.com/mortgage-in-2026-not-for-the-faint-of-heart-heres-how-to-check-your-programs-pulse/

Is your credit union’s mortgage program positioned to compete in 2026? Pulse checks to evaluate your pipeline, operations, products, and referral strategy.