ACUMA ONpoint
ACUMA ONpoint
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.
Sponsored by Cloudvirga
The views and opinions expressed in this podcast do not necessarily reflect the views or positions of Acuma, its board of directors, its management staff or its members. The podcast discussion presented is conversational in nature and for general information only.
Speaker 2:Hello and welcome to Atkinson Point Podcast, a series focused on sharing the stories of people who are making a positive impact in the credit union mortgage industry. I'm your host, Peter Benjamin. Before we get to our episode, just a quick word from our sponsor.
Speaker 3:This episode is brought to you by Cloudvirga, the architects of Tropos, the next generation loan portal that's redefining how lenders engage borrowers. With Tropos, your credit union can unify all its lending products under a single world-class member experience, without overextending limited resources or disrupting existing systems. Tropos makes it easy for your members to compare options, apply for financing and receive the level of support they prefer from first click through loan repayment. Build lasting trust by staying connected throughout your members' financial journey. Request a demo today at LendWithTroposcom.
Speaker 2:Today I am joined by Mark Seeley, avp of Mortgage Lending with America's Credit Union. Mark, what's going on? How are you?
Speaker 4:doing today and I'm doing absolutely fantastic. Peter, and blessed to be on here. Thank you for having me.
Speaker 2:I am excited to have you on here. This is one of those episodes where we kind of dive into something other than mortgage, have a deeper conversation, one of those conversations that we have. We talk about life, put things into perspective, talk about the good and bad in the world and ultimately, I think it's really good timing. We in the credit union space, we pride ourselves in, we'll say, being the compass rose in our industry, sort of say, and I like the topic that you kind of selected for us to discuss. So thank you very much for doing that and just getting to know you. You know the past few months, yeah, there's no better person to discuss this than you, so really excited to have you here. So, before we get to it, as always, got to bring Justin in, justin the Hawk. How are you doing today? And, by the way, what is the latest and greatest happening over at Acuma?
Speaker 5:I'm good, peter. How are you Living the dream? I like it, the deep breath that just expresses where we are right now. Right, I know right, right, right, I mean, we're only weeks away from our Make your Mark annual conference. Counting down the days. Counting down the days I know right. And those of you that don't know, it's going to be happening in Denver this year. If you don't know that, we got to talk to somebody.
Speaker 2:Yes, definitely You're. You're. You're not checking our socials or our emails are getting blocked. You're not listening to everything. You are not attending one of the many events I've attended and you are just blocking me out whenever I talk about annual something.
Speaker 5:That's very hard to do. Peter talks about annual a lot. I do, I know, but anyways, it's going to be happening this year in Denver. So September 21st to the 24th we're weeks away, but that does not mean that registration is closed, so there's still plenty of time for you to register. We have a lot of tricks up our sleeves. We have some surprises in store for you. If you've ever been to any Accu Annual event with Peter, then you already know Peter has some wild cards planned for you that you don't want to miss.
Speaker 2:Not just surprises. I think we have some things that play into the normal Denver culture. I guess that's a way of framing it up, right, yeah, yeah, things that are just like Denver, denver-y, denver-esque Denver-y.
Speaker 5:Denver-ish, denver-ish, denver-ish, denver-ish, denver-ish. Yeah, that's, I'm pretty sure they like to be referred to as Denverish people.
Speaker 2:I think they're Denver-politans.
Speaker 5:I mean, like, even with all the surprises, we have some really cool, unique things that we've never done before that I think people are really going to love.
Speaker 5:You're so on the soapbox with this. Come on down, come back to reality with me. But registration is still open, you still have time, like I said, and if you're a credit union or a CUSO and you're bringing three or more of your colleagues with you from your organization, you can all get a $200 discount. So head over to the Acumen website for more information. Now, if you're not coming to annual one, we should like have the violin music. Right? We're so sad because we we're going to miss you, but there's still other opportunities for you to take advantage of. So we have our inside track webinars, our network meetings, so we have the young professional network, the servicing network, marketing network, underwriting network and the volume based networks, and then we also have our favorite on point podcast. So keeping the fun going all year round thank you very much.
Speaker 2:Yes, sir, all right, mark, turning our sights back to you. All right, so you know, before we get to our conversation, as always, I start with the same old question, you know it's. And I start with the same old question, you know it's. And I start with the same old preface. And I think it's important because and I think it actually ties in perfectly, actually, this time I think it ties in the most perfect than any other conversation that we've ever had. You know, the first question is always you know who is who's Mark? You know what drives you, what motivates you, what? You know what, what made Mark Mark right? And that's always the first question who is Mark, who's the guy behind the scenes? And you can take that personally, you can take that professionally, it doesn't really matter.
Speaker 2:As I said in my intro, this podcast was designed to tell the stories of people who make a positive impact in the credit union mortgage industry. We did that on purpose, right it's? You and I both have spent time on both sides of the fence, right Credit union and non-mortgage lenders. I think we can agree there's some really special people on this side. Our stories need to be told. We have something special going on. Let's share those stories, let's spread the good word about credit unions and why more people need to come not just work for credit unions, but more people need to come get their mortgages for credit unions, because there's just generally good people on this side. So first question who is Mark?
Speaker 4:Well, that's a loaded question, Peter.
Speaker 2:I know, see, I do it on purpose, man, I do it on purpose.
Speaker 4:You know, I'd say who is Mark? I I'm. I'm a product of, of my upbringing from my parents, obviously, like we all are, and a lot of the values that I have are because of, you know, great, great parents that I had in raising me. Of course, you know, I didn't know it at the time. You know, when you're a teenager, all you want to do is do your own thing. But as you grow and you get that wonderful word that starts with W, wisdom, you know, then you start to realize so what word is that? Wisdom? Oh yeah, yes, the study of things that don't change is what I like to call that in a. There's other meanings, depending on how you view wisdom, but you know, that's kind of a big word for me, but I am, you know, I'm blessed, I'm just blessed, I think.
Speaker 4:You know I'm an individual that's been in this industry now for over 20 years and had kind of a unique perspective and I'm thankful to be in the credit union space. This is, I'm coming up on only about my third year in the credit union space and I can honestly say that it's probably actually it is the best time that I've had in the mortgage industry. It's, as you had mentioned in the mortgage industry. You know it's, as you had mentioned, the good people that we have here, the willingness of credit unions to do what other financial institutions and mortgage companies really don't do, and that's educate and that's relationship lending. That is huge for me. I'm a big people person, I love people, I love interacting with people, Um, and I'm, I'm, you know, my what kind of drives me again is is again being that being that leader who understands that everything that we have, we should not take for granted, every opportunity that we have, uh, you know, whatever, every opportunity that we have, you know, whatever we do, whether it's at home, whether it's here at the workplace and in between, to always be kind and compassionate in everything that we do to people, you know, with people, and that's what I think really separates credit unions from other places.
Speaker 4:But yeah, I mean, personally, I have a family that I, you know. I have three kids. I have a 22 year old son, I have an 18 year old son and a 15 year old daughter, and I'm an avid heavy metal, hard rock guy and an avid Seattle sports fan, professional sports fan. So those are some of the personal things, and I'm not from the Pacific Northwest, but I do love it here and you guys have been out here. You know there's so much to do and see.
Speaker 4:It's a very beautiful place, except from about early November through February, and then we just have to kind of get through things or take a vacation because it gets dark at like 4.15, 4.30. You know so, but yeah, that's just a little bit about me. You know so, um, but yeah, that's, that's just a little bit about me. And uh, again, that's that's just. I'm just driven to help, help people and lead. That that's really my biggest thing is everyone's a leader, and they may not have the title of a leader, but everyone's there to lead and be an example. And you know that's important because everybody's watching.
Speaker 4:Okay, uh, favorite, favorite, favorite heavy metal band man, that is a loaded question, peter I I, it's a loaded question I mean I would have to say I go through phases right now.
Speaker 4:Over the past few years it's a band called demon hunter. They're from seattle, they're a christian metal band, um, but for many years it was metallica. How could it not be? I mean, they're the kings of, they're the kings of heavy metal. In fact, my wife asked me the other day and she's not much into heavy metal she asked me she goes if there was one metal band that you could listen to for the rest of your life. I feel like it would be. She said I feel like it would be Metallica. And I said you're probably right listening to their stuff, you know.
Speaker 2:So I mean, yeah, I mean, who doesn't have at least some Metallica on their playlist?
Speaker 4:Yeah, I mean they're, they're, they're amazing.
Speaker 2:Everybody knows Metallica you know, they are good, they are fantastic. You know, a long time ago, uh, a friend of mine took me to a, uh, a cannibal corpse concert, whoa, and I will say the nicest people the nicest people you know.
Speaker 4:I was shocked how nice everyone was at that concert. So I in fact it's funny that you mentioned that the, the lead singer, george Corpse Grinder Fisher, actually did a children's series at one point, like with children, about heavy metal, and you would never think listening to somebody who obviously their music is very, can be very dark, but obviously it's just, it's show and shock value and things like that. When you get the people behind this, when you, when you get to know the people behind it, it's amazing. They're, they're really just, they're human beings like us. You know that's right, that's right.
Speaker 2:You hear stories of how you know they're in, like people who are in the mosh pit and they get knocked over and there's like a flood of people picking them up, asking them if they're okay, you know, and making sure that everyone is safe, and I think that's. You wouldn't think that from an outsider looking in, but I was blown away when I was actually there how friendly everyone was. Yeah, I agree. So, anyways, I know, off track, different topic, different topic, different conversation for another day. So you said something in during your, the answer to the first question, which was you know who is Mark, the answer to the first question, which was you know who is Mark, you said something that I kind of want to go back and not so much pick on but continue the conversation on. I think this is where we really focus on the meat and potatoes of today's conversation. You said that you take nothing for granted and realize that really kind of sort of like everything is a gift, right, it is. And you know here's the thing, right it's. You have three kids and prior to this this call, you know I mentioned that you know we. I really want to focus in on this, but prior, not so much this call, but this podcast recording. Focus in on this. Not so much this call, but this podcast recording. I really want to focus on this topic because this topic in particular is something that I'm struggling with with my son and you immediately respond saying, hey, I'm doing the same thing with my 18-year-old.
Speaker 2:It's the idea that we have to be good stewards. We choose our attitude every single day. We, you know we wake up one foot out of bed and you know we have we get to decide who sees us as a good person or a bad person. It's almost like the running joke of that person chose violence today, right, or, you know, does that? You know we as parents, you know we instinctively might say our kids are great people because we see a different side of our kids than other people do. But every single day I tell my kids mom and dad believe in you. Mom and dad know how smart you are. Mom and dad know how kind you are. It's your job as human beings to let the world see that and that kindness goes a lot further in life than anything else. So be that person out in the world, right? I tell my kids that every single day.
Speaker 2:But, more importantly, I recently started telling my kids you know, life is a blessing. It's up to you to choose what you do with it. Right and so, and your response to my my request for topics just came out at such a perfect timing that I just wanted to carry on with it. So, if you could, you know how? How's that mindset for you kind of helped you be successful? You know it can be. Let's start with. You know we have to start professionally and then we'll go personally. How does it help you navigate your career but also your personal life? That mindset of nothing's taken for granted. You're a good steward. Take it however direction you want. But again, like I said, every day is a blessing. It's up to you to do with it what you will, but go.
Speaker 4:Yeah, yeah, it's a good question and to me it's important to be a good steward because of the things that we're given are a blessing, and we could talk about how hard life is, but we can also talk about, and we want to focus on, being positive and having, you know, realizing the gifts that we have are valuable and we're not going to be good stewards of something that we're given if we don't value that. And that's really kind of what drives me, not just professionally but you know, in everything that I do, but also, you know, professionally. Here at the credit union, I've been given this opportunity to lead a team, a mortgage team, to help our members achieve homeownership or whatever you know type of mortgage situation that they need, you know, at that given time, or bring in new members and I vow you know, I value that and it's not something that I, you know I'll say I just come to work every day and you know I make a paycheck, because that's not what it is for me. It's coming in and realizing I have this opportunity, I have this privilege and I need to be a good steward of it. I need to make sure that I give 100% of myself to my team, to our members and to our not just the mortgage team, but also, you know, other folks that I interact with, whether it's the senior leadership team, the executive team, realtors in the community, referral partners, community outreach, things like that.
Speaker 4:It's just, it's all about giving 100 percent of yourself every day to whoever you're dealing with, and that's like you talked about, pierre, like teaching your children about being kind and compassionate. That's when they value people. They're going to do that and that's really, you know, valuing others and valuing their. You know opinions and their perspective on things and listening to them. That's really important about being a good steward as well. So it's a tall order. I mean, being a good steward is hard, it's not easy and, again, as I said, not taking anything for granted, because we tend to, as humans, want to take certain things for granted and we have to constantly remind ourselves and really push ourselves to be very intentional about all the wonderful gifts that we've been given. You know the gifts and the talents that we've been given as humans to be, you know to use, to be successful, to help out others.
Speaker 2:No, and I love that. I love that you said we have to be intentional about the gifts that we've been given, because all too often we do overlook that right. You know and I think you may have heard me say this in Seattle and I say it almost to the point where I'm blue in the face you know it's our job as credit union mortgage professionals to do one thing put families in homes right. And I've been fortunate enough. You know, justin's been fortunate enough and I'd like to think that you've been fortunate enough. We've been able to buy homes right.
Speaker 2:And I'd like to think that at this point in time, as a result of that, we are taking that process, our knowledge, our efforts, that experience you can name it whatever you want, but we're basically passing it down to the families who have never done it before and letting them share that joy, share that experience, because it brings people closer together, it builds that family bond, it builds community. I mean, you name it, but that's what I love about our industry, because it has the ability to unite. It has the ability to continue those efforts. It's not just about families, it's about communities, about everything, but kind of going back to the individual, you know it's. It does become, you know, difficult, as you know it does become difficult as, thinking back to you and I, it seems like you and I have been in the industry for the same amount of time, 20 plus years.
Speaker 2:You know, thinking back to you know the early 2000s and you know the paychecks were pretty much flying off the shelf and you know the good old days, right, when it's more like a frat party everywhere you went and really, if you think about it, you know 2020, 2021, when those refinances were rolling in. You almost got a sense of that feeling again, right, that the good times are back and we started to, the industry as a whole started taking things for granted again. Do you agree? I?
Speaker 4:mean I agree, I agree Whenever there's a surplus of of loans, for whatever reason, or the market, you know, dictates that you know low rates, or you know loans at any cost. You know, like we had in the, you know, early to mid 2000s. You know the all of the, you know lenders out there who were doing you know any type of loan that they could do and 95, no doc at 620, 95, no doc.
Speaker 4:I was a countrywide guy, so fast and easy and no ratio loans. That's where I got my start and so yeah, but when that happens, again two things Naturally we're going to lose sight of what's important because we're so busy and so driven just to produce from a transactional standpoint right, and lending becomes transactional. And don't get me wrong, I'm not opposed to having money, but money should never be one's motivator in this type of business. It is about, as you mentioned, putting people in homes, putting families in homes and putting them in the best possible position financially to be able to enjoy that home. And that's why I love the credit union space more than anything, because, as I've learned in these past almost three years, is that credit unions care more than anything else anyone else about doing that. You know and I truly believe that, and I'm glad you answered.
Speaker 2:You kind of took where I was going my rant in that direction. In many ways I was trying to sandbag you in that direction Because, if anything, that's almost the credit union mortgage lenders credo right, right and we will make some decisions for a member just because it's the right thing to do. Yeah Right. You know, when I a purchase, it was a refinance, but the member had.
Speaker 2:When she came to us, she had a 65% DTI and through this refinance we were going to drop her down to again from 65, we were going to drop her down to a 52. For all intents and purposes, we were going to drop her down to a 52. For all intents and purposes, any other lender probably would have denied her. But if you think about it, that's a significant savings. So we just did it. We put her in a better space and so, even if we put her, even if we knew that it was still on a stretch, and even though we knew that it was still on a stretch, and even though we knew that it was still 52%, she always had on-time payments. So she made it work. She was never late. So she made her finances work, even though she had a 65% DTI. But we knew that by dropping her to a 52% we were just making things a little bit more comfortable for her. And I know for a fact that at the community bank I was right before I joined the credit union never would have done that.
Speaker 4:We wouldn't have been able to do that at any of the bank, the bank or the mortgage company that I worked at. You know that that's not. That's the beauty, I tell. I tell I still keep in touch with some of my colleagues, you know, in the IMB world and and that's the beauty of like, how are things going at the credit union? You know I said, well, they're going great. I get to make decisions for people and do loans where I can be creative and still, you know, mitigate risk for the credit union, knowing that every loan that we do is a good, it's going to be a good loan, right, and it's going beyond just the numbers and you know the automated underwriting systems and what the agencies allow. And it's saying do we trust that this person will make their payment? And, judging by everything that we have and the compensating factors that they have, we feel good about giving them the loan. And that is something that I experienced a little bit on the banking side when I was in banking, but not that much. But here at the credit union it goes a long way because when you do a loan for someone like that, they don't feel like a number.
Speaker 4:I had a group, I had a couple who was a new member. They a referral from one from an agent that I know and they'd never worked with a credit union before, and I remember we did a loan for them and and we, you know, we, we did some, you know some creative financing for them. And I just remember, you know, at the end her name is Jamie. Jamie said Mark, you know, thank you for making us not feel like a number, like we matter, like going beyond, just looking at our bank statements and our income and seeing that you know we're people and that we, you know, have, that that we're, we're human and that you know our drive is to, you know, own a home and then have an investment property. And then they had, three months later they came back and they, they refinanced their investment property with us, you know, which was great, and now they're full-fledged members with us.
Speaker 4:But you know, I wouldn't have been able, as you said, peter, I wouldn't have been able to do that in any other type of financial institution or IMB. And that really is just that helps me, that helps me realize that I'm blessed to be a good steward, because I get those opportunities and we don't want those. We and we don't want those. We don't want to lose any of those opportunities that we have. So whenever they come up, that's why we got to give 100% of ourselves to that member to help them, and even if we can't, we can at least educate them to know that these are the things they need to do eventually to own a home, and then, most of the time, they'll come back to us if we take the time to do that. No, I love that.
Speaker 2:No, I have to. So I have to ask this question, and before I kind of sort of get to the last question, obviously this is a mindset, this is a practice that you have instilled in your life, and it's one that I don't want to say is a newly adopted one for me, but it's one that you kind of mature into right. It's the wisdom that you gain from life experience, right, and it's not easy. You just have to grow into this. You have to go through, take some licks, you have to have your fair shares of ups and downs. You kind of learn to appreciate the certain things in life, right, um, has it always been this way for you? Has it always been this, this mindset of you? Know I'm blessed, I need, I need to pay it forward to others, or has there just been times where you're like I'm just grumpy?
Speaker 4:Well, I try not to be grumpy but, in all honesty to you know, to answer your question. In my younger years, in my, in my early in my career, the drive was to, to you know, to move up and make more money. Right, that that was, that was the goal. And now I I still had a good, you know foundation of what it means to be a good steward. But that really came, peter, with experience with raising a family and all the challenges of having a family. But also, I think, really important was learning what going through good leadership and bad leadership and what that looks like, and I honestly learned more from bad leaders than I did good leaders, from what it means to be a bad leader and to do good right, and that's kind of what allowed me to realize that you know the mindset that I have now.
Speaker 4:I think that's where I learned the most, and it was certainly not all. You know roses and you know bonbons and apples and oranges and you know wonderful tasting fruit. It's been challenging at times and I've gone through some really challenging you know work experiences and to get to where I'm at. But that drives you. You know, and you probably hear this adversity and I'm trying to teach my kids this adversity is okay, it teaches you character and it allows you to learn, you know, and really dig deep in yourself, to really have to push yourself to be, to be be successful. Um, so no, it was not always like that. But you know, like I said, with age and maturity comes wisdom, and being a guy it just we. We mature a lot, a lot later in life than women do. So it took me a while.
Speaker 2:So let me ask you pain is weakness, sleep in the body?
Speaker 5:No, isn't it? Though? Let me ask you, mark, when your back's against that wall, how are you overcoming the adversity? Like what are you like? I know you mentioned this a couple of times like, what are you telling yourself? What are you telling him? Like, how are you creating that mindset for yourself to overcome those?
Speaker 4:Yeah, that's a great question, Justin, for yourself to overcome those. Yeah, that's a great question, justin. I mean, number one is always being positive. You know, kicking out negativity as much as possible and always having something to look forward to. You know, you have to have that mindset that there's.
Speaker 4:If I know I'm going through this adversity, I know there's I'm going through this, but there's this, there's this goal on the other side and I know if I do these things, I can get there.
Speaker 4:I know I may not have control over all of that, you know, depending on the circumstances, but I gotta have, I have that goal and I think that's what drives, you know, drives me, if we're going through a little bit of adversity, you know, um, and and we've been through it, you know at at many times me and my family certainly have you know we've been through it. You know, at many times me and my family certainly have you know we've we've gone through. We've gone through a lot, you know, at times, but it makes again coming out on the other side and always having something to look forward to and being positive. Honestly, you'll get to know me as it, you know more, I have no room for negativity in my life Like I just don't and I don't believe in it. And that doesn't mean I don't get down, that doesn't mean I don't, you know, have a bad day, but I just truly believe in being positive, because that is what ultimately will drive your, your mindset and your attitude to get through that adversity.
Speaker 5:No, I love that. My wife and I, when we first got married, that was. It was kind of like a little statement we had for each other is like you know, we don't really have to like the result, but the result is what it is and we're happy that it got a result Right.
Speaker 4:Yeah, so it was like I like that.
Speaker 5:It was our way of always being positive, and so it kind of goes to what you're saying. It's like finding that way to continue to find positivity and be positive, even when it's not the most favorable result, but it's still worked out somehow.
Speaker 4:Yeah, I agree, and you got to keep that mindset. Like I said to Peter earlier, it's intentional, it our mindsets will get, we'll get bogged down, we'll, we'll start to feel like we can't, you know, press on, or you know the weight of the world how much more can I take? And it's like, well, there again, positivity will will really change a lot of that, because that, to me, is what pushes us to go above. You know where we, you know what we may not want to do. Um, you know, and I, I just I think that's great. So thanks for sharing, justin.
Speaker 5:Yeah.
Speaker 2:All right, so, mark, we need to start transitioning. All right, so, mark, we need to start transitioning. Um, but you know, before we do last question, it's the same. Last question I ask everybody you know what keeps you going, what motivates you? You know one foot out of bed to push forward. You know, through no matter what, you know what keeps you going.
Speaker 4:You know, peter, that's a great question.
Speaker 4:I think for me, what keeps me going when I wake out of bed is every day I wake out of bed, I get up out of bed, I'm alive, I wake up, I've got an opportunity to affect change in, you know, the people that I come in contact with whether it's my family, whether it's coworkers, people on the street come in contact with, whether it's my family, whether it's coworkers, people on the street and just you know, wake up, being blessed and the opportunity to have another day on earth.
Speaker 4:I know that seems kind of cliche, but it's really true. You know that we're given that time, you know, and we need to use it to, you know, to the best of our ability. And I think that's ultimately what drives me. I mean, I could say my family obviously drives me out and taking care of them, you know, but having that mindset, that's part of it, right, and you know, I love again coming to work and leading this team. That drives me as well, and just being in a position where we can help people in the credit union space realize their dreams, I mean that's really that drives me as well.
Speaker 2:Love it, Love it. All right, Mark, we need to transition to the second segment of our podcast and again, this is where we sometimes do Jeopardy dad jokes. And, of course, you know, today this is when we're going to do our the most requested, fan favorite series of dad jokes, which I feel like we haven't done Jeopardy in a hot minute. But it's all good, I'm happy we're doing dad jokes.
Speaker 5:I mean like, on one hand, I'm okay with that and then, on the other hand, justin always loses Jeopardy. Like to hear both.
Speaker 4:Jeopardy's hard, Jeopardy's hard man.
Speaker 5:Oh no, it's not, it's, it's. It's not just hard, peter, is it's impossible? He does not believe in, like Justin, getting easy questions ever.
Speaker 2:That's right. You first of all. You, you pick, you pick the questions, you pick the questions or the answers.
Speaker 4:Right, because it's Jeopardy, you have to pick the answers first. Right, that's right.
Speaker 5:My favorite was the et cetera. Just saying you have to pick the answers first.
Speaker 2:Right, that's right. My favorite was the et cetera, just saying yeah, so there's some questions that have like the answers, et cetera, and it's like, anyways, that's another day, another time. So, all right, mark, here's what we're going to do. You're going to have, prior to the recording, I asked you to come prepared with two dad jokes, so you're going to say your two dad jokes, justin's going to do his two dad jokes and I will wrap up with my two dad jokes Whenever you're ready, sir Mark, please.
Speaker 4:Yes, I have to narrow it down to two. I came with five, so I'm going to do this. Did you know that diarrhea is hereditary? I did not. It runs in your genes.
Speaker 2:I started laughing, did not? It runs in your jeans?
Speaker 5:laughing, laughing, laughing laughing laughing before the punchline laughing, that's because he's talking about poo.
Speaker 2:I love poop jokes everybody does it.
Speaker 4:Why not talk about it, right?
Speaker 5:so I mean, I love it.
Speaker 4:Oh and okay, this one I'm, because it's I. I put a credit union in it, so this is this is a. This is this is the other one. Uh, I was fired from the credit union on my very first day on the job. A woman asked me to check her balance, so I pushed her over that's a shit on I could have gone in another direction, but because you know, we're all, we're credit union space, so you know that's good, that's good that's good all right
Speaker 5:that's good, I'll go now you know the order. I know, but just in case, alright. So two windmills were sitting on a hill. One asked the other, do you have a favorite song? And the other replies well, all my life I've been a heavy metal fan.
Speaker 4:See this is perfect. I've heard that one before, justin, that's one of my. That's a great one. That's a great, that's all right.
Speaker 5:I found it, and you're talking heavy metal, and I was like this is perfect, it's perfect, that's a good one, all right. And then what did the cow say to then? What did the cow say to the? What did the cow say to the leather chair? Oh, I don't know what, hi mom, Ouch.
Speaker 2:Talking about putting things in perspective. All right, um, all right, um, all right. So you know, you know, this morning I want to say oh stuff, my classes, uh, this morning, oh, I still have my glasses. This morning I called the paranoia hotline. The guy answered how the heck did you get this number?
Speaker 2:love it um, sorry, had to put my glasses back on. It's a hard time reading it. Alright, so I started running again, and so this morning I went for a run, um, and I saw my neighbor talking to her cat. You know, it is obvious the poor woman thought that her cat understood her.
Speaker 4:When I got home I told my dog, we laughed a lot about it oh, you know, peter, you're, you do you have a good delivery for dad jokes like you just have? You just have a natural like and I and I'm a fan we already came to seattle.
Speaker 5:You don't have to convince them.
Speaker 4:No, no, it's good, it's good, I'm prepping him, I'm trying to have so he steps up his game at annual right.
Speaker 2:But that one wasn't good, all right, good. Well, mark, thank you very much for your time today. Really do appreciate it. Oh, no, enjoy the conversation. Yeah, no, thank you thanks much for your time today. Really do appreciate it. Enjoy the conversation.
Speaker 4:Yeah, no, thank you, Thanks for having me on, Thanks to you and Justin and Peter and I'm sorry, Kristen, and just for you know for everything you guys do at Acumen. We're blessed to be a part of the organization and looking forward to lots of fun in the future.
Speaker 2:Absolutely, absolutely. And, justin, thank you. Of course, it was my pleasure. And, to close out, thank you again to CloudVirgo for sponsoring today's episode and to all of you. We know your time is valuable. Thank you for tuning in to the latest episode of Acuma's On Point Podcast. We hope you enjoyed it. Until next time, be well, my friends. Thanks for listening. Be well, my friends.
