Every Loan is a Gift: Embracing Stewardship in Mortgage Banking

What if we approached each day in mortgage lending not as a series of transactions, but as opportunities to be good stewards of the gifts we’ve been given? Mark Seeley, AVP of Mortgage Lending at America’s Credit Union, brings this refreshing perspective to our conversation about what makes credit union mortgage lending truly different.

After 20+ years in the industry and experience on both sides of the fence, Mark shares how the credit union approach transforms lives through relationship lending rather than transactional banking. “I’m blessed to be in the credit union space,” he reflects. “It’s probably the best time I’ve had in the mortgage industry.”

Through powerful examples, Mark demonstrates how credit unions see beyond numbers to the humans behind loan applications. He shares a story about helping a member refinance from a 65% debt-to-income ratio down to 52%—a loan most traditional lenders would immediately reject, but one that significantly improved the member’s financial situation. These decisions stem from a philosophy that values stewardship over short-term gains.

This mindset didn’t develop overnight. Mark candidly discusses how his perspective evolved through career experiences, family responsibilities, and leadership lessons—both positive and negative. “I honestly learned more from bad leaders than good leaders,” he admits, explaining how these experiences shaped his commitment to intentional positivity and servant leadership.

The conversation offers a timely reminder about what truly matters in financial services. While the industry often takes success for granted during boom periods (like the recent refinance wave), credit unions maintain their north star by focusing on members first. As Mark puts it: “Money should never be one’s motivator in this type of business. It’s about putting families in homes and putting them in the best possible position financially.”

Whether you’re a mortgage professional looking to reconnect with your purpose or a member curious about the credit union difference, this discussion will leave you with renewed appreciation for approaching each day as a gift and each interaction as an opportunity to make a positive impact.

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