UKFCU's Change Agenda: New Mortgage Dept, Zest AI, First Merger
About this episode
Ankur Patel interviews Lisa Highley about UKFCU's new mortgage department and the integration of AI technologies in lending.
Ankur Patel interviews Lisa Highley, Chief Lending Officer at University of Kentucky Federal Credit Union (UKFCU). They chat about the credit union's new mortgage department, a rebuilt commercial lending operation, Zest AI live in consumer lending, GLIA live in the call center, and the institution's first merger. 📩 Subscribe to the Main Street AI Newsletter: https://multimodal.beehiiv.com/subscribe?utm_source=podcast&utm_medium=description&utm_campaign=podcast Guest: Lisa Highley, Chief Lending Officer, University of Kentucky FCU Host: Ankur Patel, CEO & Founder, Multimodal 0:00 Introduction: Meet Lisa Highley 1:03 UKFCU at $1.75B and the full lending portfolio 2:30 Why the change agenda 4:01 Diversifying out of indirect auto and home equity dependence 5:46 Branch referrals driving the new mortgage department 7:05 Build vs. buy 9:04 What Empower automates in mortgage origination 13:02 Document review pain still left for AI to solve 17:13 How many hours a mortgage file still takes today 18:27 Staying competitive in indirect auto 22:00 Where software actually helps 24:52 Why same-day funding matters to dealers 25:57 Zest AI rollout, year-one goals, six-month review 29:04…
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