Business Consulting

February 8, 2023

Time to check your leaky faucets!

In early 2022, my wife and I noticed a slight drip in the kitchen sink that progressively worsened. We quickly discovered that if we adjusted...

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Business Consulting

January 18, 2023

It’s 2023 and Elephants are Dancing

In reading about all the FinTech lenders that have been re-imagining the customer digital journey, if you were an outsider (or a PE investor? ),...

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Business Consulting

June 13, 2022

Value in an Operational Assessment?

How do you move forward as an organization to achieve your vision? What’s working well? What’s holding you back or bogging things down? As a...

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Business Consulting

April 11, 2022

Community Banks: A Reflection of the Past?

Banking is continually evolving, and lately, I’ve been reading a lot about the need for community banks to embrace digital transformation. How do Community Banks...

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Business Consulting

January 24, 2022

Mortgage Baby cannot quit mortgage!

So, it was early 2009, I had been laid off and decided to relocate from Dallas to Austin. After getting established, I set out to...

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Business Consulting

December 13, 2021

It’s Time for a Tune-Up of your Mortgage Platforms

In the push to be able to conduct business during the pandemic, companies sought out new technology to improve their digital capabilities for both internal...

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Business Consulting

November 30, 2021

Mortgage Baby crawls, walks, and then runs!

In case you missed it, check out Part 1 of this series here! By June of 1991, I was in college, and I had been...

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Business Consulting

November 17, 2021

Sustainable Growth for Credit Unions (Hint: It’s Not Through Mergers and Acquisitions)

A recent Credit Union Times article noted that while credit unions continue to perform strongly with long-time customers (those over 65 years of age), the...

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Business Consulting

November 9, 2021

Is your LOS Platform ready for what’s next?

Interest rates are on the rise and affordability is tightening.  New and old methods will need to be tapped to continue to put borrowers into...

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Business Consulting

October 25, 2021

Mortgage Baby

I am a mortgage baby, and proud of it!  That is what I was called, before I even started my journey in the mortgage business, a...

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Business Consulting

April 12, 2021

Continued Thoughts on Digital Banking

I sincerely hope that you’ve been enjoying Mike Gordon’s recent posts on the changing landscape of banking in the digital world. (If you missed them,...

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Business Consulting

November 11, 2020

COVID 19 – Changing the Digital Banking Landscape: Part 2

In my previous blog, I highlighted that different banking “personas” have differing goals with respect to digital banking.  The large, national financial institutions envision digital...

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Business Consulting

August 17, 2020

COVID 19 – Changing the Digital Banking Landscape Part 1

While digital banking has been on the upswing for many years, the COVID 19 virus has changed its trajectory. While many consumers prefer conducting banking...

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Business Consulting

January 29, 2020

Breaking Down the LIBOR Acronyms

We recently conducted a (sold out!) webinar on the LIBOR Transition, driven by the NY DFS sending a letter to over 1,000 companies that they...

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Business Consulting

June 11, 2019

URLA is coming

The new URLA is coming. But the status report, for July 2019, is decidedly Red. Warning signs regarding the immensity of the forthcoming changes have...

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Business Consulting

February 27, 2019

Is your pricing compliant? Questioning a long-held assumption…

CC Pace recently completed an interesting project for a mortgage lender who had just done an acquisition. The project questioned a fundamental assumption of loan...

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Business Consulting

December 5, 2018

Adaptability is the New Efficiency

Although Charles Darwin adopted the term “Survival of the Fittest” from Herbert Spencer to describe his theory of evolution, it is easy to misunderstand if...

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Business Consulting

October 9, 2018

Looking Beyond Digitization

As digitization of the mortgage process (finally) gains steam, lenders need to start looking towards the future when everyone is digital. What will it mean...

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Business Consulting

August 21, 2018

Alexa, What’s Next in Lending?

Whether delivered by a rocket or obtained at a depot, the reality is that the digital mortgage has finally arrived. Regardless how different organizations may...

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Business Consulting

July 9, 2018

The Customer Perspective… From Beginning to End

We only have to take a look around to know that while great strides have been made providing technology and applications to help customers with...

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Business Consulting

June 13, 2018

We want to hear from you!

CC Pace is proud to announce the launch of our most recent market survey in which we explore some of the current trends in mortgage...

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Business Consulting

April 30, 2018

Where would we be without engineering?

Can you imagine a world without engineering? It’s a tougher question to answer than you might think. Many people do not actually know the extent...

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Business Consulting

March 26, 2018

Crossing the Chasm into the Digital Age

Almost everywhere we look, we see the signs of a rapidly progressing transformation to an online, digital future, in the way we communicate, consume entertainment,...

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Business Consulting

December 4, 2017

Mortgage Banking & Technology: Lenders’ Perspective

The Financial Services Team at CC Pace is very proud to announce the posting of a new white paper, which is based on the results...

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Business Consulting

September 25, 2017

Kirk or Picard as Project Manager?

With Star Trek: Discovery’s television debut rapidly approaching, I can’t help but reflect on the many valuable lessons on project management I took away from...

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Business Consulting

June 14, 2017

Gambling on Project Execution

A startling statistic that often gets overlooked is that 70% of projects world-wide fail. Each year, more than one trillion dollars are lost to failed...

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Business Consulting

May 15, 2017
ccpace.com

The Art of Planning an LOS Implementation Budget

Pulling from our considerable experience with the unique aspects of implementing a mortgage loan origination system (LOS), CC Pace has recently published a new white...

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Business Consulting

April 24, 2017
presentation

Make Your System Demo Count!

As a continuation of our blog series on system selection, it’s time to discuss helpful tips to facilitate a successful product demonstration. The organization and...

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Business Consulting

February 27, 2017
tombstone

Is the RFP dead in LOS Selection?

Is the RFP dead? As a tool for helping guide the selection of the best possible loan origination software, the traditional Request for Proposal seems...

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Business Consulting

August 22, 2016
Woman in Africa

There is No Perfect Time!

“There I was on assignment for a month in the Sahara Desert of Northern Africa during a time of the year that was supposed to...

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Business Consulting

June 7, 2016
devices

Trains, Planes, Automobiles and Smartphones?

As Wall Street analysts predict smartphone sales will continue to level off due to varying levels of market saturation, does that actually mean smartphone utilization...

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Business Consulting

October 8, 2015

The Value of Looking Back while Looking Ahead

Development of your business strategy requires a long and hard look ahead to the future. Anticipating what the industry may look like, what your customer...

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Business Consulting

August 14, 2015
m glass

Challenges of End User Testing

The Missing Piece: Standardized Test Data The mortgage industry has invested heavily in standardizing the exchange of information, primarily under the auspices of MISMO.  This has...

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Business Consulting

June 15, 2015
house

August 1st US Housing Apocalypse?

When speaking with leaders in the mortgage banking industry of late, the chorus always remains the same, “we are heads down on TRID.” Despite the...

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Business Consulting

April 14, 2015
working together

System Selection: The Vendor Demo

An important part of any system selection process is when the vendor is asked to demonstrate their products. This is a pivotal time, when the...

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Business Consulting

March 27, 2015
Vendor

How Much Would You Pay for a Hotdog?

Are you competing on price? Economists and finance executives world-wide acknowledge that being the low-price leader can be a viable short-term strategy that may help...

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Business Consulting

March 16, 2015
Mortgage Banking

The Changing Landscape of Vendor Management

I was recently reminded of a column I wrote back in February 2008 titled “Maintaining a Vendor Relationship”, for Mortgage Banking Magazine (available here).  I’ve...

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Business Consulting

March 3, 2015

Achieving Meaningful Results With Change

CC Pace uses the Organizational Component Model as a framework for ensuring optimal results are achieved in our projects.  The model highlights the inter-dependencies of...

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Business Consulting

February 17, 2015
Magazine

Why Strategy Execution Unravels—and What to Do About It

During the last thirty three years CC Pace has served our clients in a wide range of business and technology projects. While clients generally bring...

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Business Consulting

February 4, 2015
plane

It’s Time for a Non-Stop Flight to Efficiency

Grounded in how it’s always been done while continuing to live on razor-thin margins? Perhaps it is time to take a chapter out of the...

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Business Consulting

January 23, 2015
Customer chart

Who Do You Work For?

During a recent family driving expedition, my teenagers were surprised at a rest stop along I-95 when an attendant began filling our gas tank. “Why...

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Business Consulting

January 14, 2015
Where's The Beef?

Non-QM Lending — Where’s the Beef?

As compliance costs continue to soar and product selection is limited to government-regulated Qualified Mortgages (QM), mortgage bankers have tightened their belts, forced to diet...

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Business Consulting

December 13, 2014
house bank

Where Should Equity Lending Reside?

A frequent topic of discussion these days is what division should own equity lending: consumer lending or mortgage.  This question comes from our banking clients...

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