Next Virtual Cohort begins June 11!

Ready to start or expand your credit union's high-impact mortgage lending program?

Inclusiv’s virtual High-Impact Mortgage Lending course supports credit unions to expand their mortgage lending programs to better serve their communities, including low-income members and ITIN holders. 

Enrollment for our June 2026 cohort is open and class starts on Thursday, June 11, 2026. 

This course is designed for each participating credit union to enroll a team of 2-3 staff members. Discounted pricing is available for team enrollment, please contact [email protected] for more information.

About This Course

Inclusiv's High-Impact Mortgage Lending course is a 6-unit online course for credit unions looking to expand homeownership in low- and middle-income communities, including among ITIN holders. This self-paced course is capped with a live, interactive workshop led by Inclusiv Mortgage experts. By the end of the course, you’ll identify concrete ways to adapt a high-impact program into your mortgage business. 

In this course, you'll work through videos, exercises, and documents each week on your own time and join recommended weekly office hours with Inclusiv's Director of Mortgage, Bob Mundy. The only mandatory live component is a final capstone workshop, where you'll work with Bob and fellow credit unions to identify your mortgage program's next steps.

Who Should Register

The HIML training is best for credit unions that: 

  • Have an existing mortgage lending program (This course will not teach you how to start a mortgage business from scratch) 
  • Can enroll 2-3 staff members across the following roles: CEO, Chief Lending Officer, Director of Lending, Loan Officer, Mortgage Loan Officer, Community Development or Member Services
  • For better outcomes, it’s desirable that each participating CU enroll at least one senior decision-maker with authority over lending strategy, policies, or resource allocation.  
  • Can commit 2-4 hours per week for classwork, assignments, and the development of an implementation plan for the credit union. 

Gain New Skills

In this training course, participants will:  

  1. Define the basic components of mortgage lending programs, such as property types, mortgage types, underwriting basics, and risk pricing.
  2. Identify the opportunities, stakeholders and actors involved in the implementation or expansion of a high-impact mortgage lending program in their CDCUs, including ITIN borrowers and under-resourced borrowers.
  3. Explain the NCUA’s regulatory framework for mortgage lending programs.
  4. Describe the key steps in the implementation of full-cycle mortgage lending, focused on low- to middle-income communities and the property types that meet their needs best.
  5. Recognize and evaluate opportunities to implement credit enhancements, financial counseling, and secondary market options in lending strategies.  
  6. Use appropriate processes and workflow to apply in-depth review of alternative documentation in compliance with regulatory frameworks.  
  7. Develop a Program Analysis for growing a High-Impact Mortgage program, tailored to their own credit union’s needs. 

Course Details & Eligibility

This is an at-your-own-pace course that features 6 units of content, plus recommended facilitated discussions and a capstone project workshop.

Schedule:  

Cohort 2 begins June 4th, 2026. 

  • Thurs, June 4, 12 p.m. Eastern: Orientation
  • Thursdays, June 11 through July 9, 12-1 p.m. Eastern: Office Hours
  • Thurs, July 16: Break / Final project working week
  • Thurs, July 23, 12-2 p.m. Eastern: Capstone workshop

Cohort 3 begins August 13th, 2026. 

  • Thurs, Aug. 13, 12 p.m. Eastern: Orientation
  • Thursdays, Aug. 20 through Sept. 17, 12-1 p.m. Eastern: Office Hours
  • Thurs, Sept. 24: Break / Final project working week
  • Thurs, Oct. 1, 12-2 p.m. Eastern: Capstone workshop

Additional Support:  

  • Personalized expert feedback on assignments, including technical assistance where needed  
  • Access to 1:1 technical assistance on market analysis and community engagement, product development, originations and servicing, operations, risk management, secondary market, etc.

Workload:   

  • 2-4 hours per week over six weeks 
  • Program participants are required to create an implementation plan to present to their board or governing body that serves as a roadmap for launching or growing mortgage lending products. A template for this project will be provided.

Course Tuition

Inclusiv members receive a 40% discount on instructor-led courses. Members with assets under $100M receive additional discounts. For group discounts, reach out to [email protected].

  • Non-member price

    $2,000

  • Inclusiv member price

    $1,200

  • Inclusiv members with under $100M AUM

    $800

Instructor

Bob Mundy

Director, Inclusiv Mortgage

A seasoned professional in the mortgage industry, Bob Mundy has dedicated nearly 30 years to helping clients realize their homeownership dreams. A proud native New Yorker, Bob began his career as a loan officer, gaining invaluable experience at several brokerage houses in New York City. In a significant milestone, he co-founded The Mortgage Department, LLC, a Third-Party Origination (TPO) company that partnered with a variety of Credit Unions across the region, including notable institutions such as Actors FCU, NBC Employees FCU, NY Times Employees FCU, NYU FCU, and Neighborhood Trust FCU. In 2013, Bob was appointed by Actors FCU to spearhead their Mortgage Program, successfully launching their inaugural in-house initiative. His expertise led him to Inclusiv in 2015, where he initially served as an underwriting consultant. By 2020, he transitioned to an in-house role, where he played a pivotal part in establishing Inclusiv Mortgage as a leader in high-impact lending. His efforts provided Inclusiv Member Credit Unions with essential secondary market access, along with comprehensive guidance and training. In addition to his mortgage expertise, Bob is a licensed Real Estate Salesperson, having worked on both coasts. He currently holds his New York license with Compass, further enhancing his ability to serve clients in the dynamic real estate landscape.

Course curriculum

    1. Introduction and Your "Why"

    2. Course Overview

    3. Course Waiver

    4. Introduce yourself in the HIML Community!

    5. Interview with Rize Credit Union [Abridged]

    6. [OPTIONAL] Full-length Interview with Rize Credit Union

    7. Course Orientation

    8. Technical requirements and support

    9. Using the Thinkific Mobile App

    10. Course Pre-Test: Set Your Knowledge Baseline

    1. Module 1 Overview

    2. Acronyms and Property Types

    3. Conventional and Non-conventional Morgages

    4. Manual vs. Automated Underwriting

    5. Risk Pricing

    6. ARMs vs Fixed-Rate Mortgages

    7. Module 1 Quiz

    8. Module 1 Reflection Activity

    9. Office Hours with Bob!

    10. [OPTIONAL] Full Accessible Script - Module 1

    1. Module 2 Overview

    2. Definitions and Characteristics of ITIN Holders

    3. Risks and Challenges with ITIN Holders

    4. Alternative Credit Standards

    5. Best Practices for Underwriting with ITIN Holders

    6. Module 2 Quiz

    7. Module 2 Reflection Activity

    8. [OPTIONAL] Full Accessible Script - Module 2

    9. Office Hours with Bob!

    1. Module 3 Overview

    2. Mortgage Servicing

    3. Third Party Originations

    4. Safeguarding and Storing Collateral

    5. Module 3 Quiz

    6. Module 3 Reflection Activity

    7. Office Hours with Bob!

    1. Module 4 Overview

    2. Secondary Markets

    3. Loan Participations & the Inclusiv Loan Participation Marketplace

    4. Module 4 Quiz

    5. Module 4 Reflection Activity

    6. Office Hours with Bob!

    1. Module 5 Overview

    2. Financial Coaching toward Asset Purchase

    3. Module 5 Quiz

    4. Module 5 Reflection Activity

    5. Office Hours with Bob

About this course

  • Non-member price: $2,000
  • Member price: $1,200
  • Additional discounts available for small CUs and groups

  • Open to:

    Credit unions who have existing mortgage programs. This course is not recommended for CUs who are in the process of building mortgage products for the first time.

  • Participant limit:

    We recommend enrolling in teams of 2. A max of 3 participants per financial institution will be admitted.

  • Language:

    Offered in English.

Upcoming Cohorts

Next cohort: begins June 4th, 2026. 

Future cohort: begins August 13th, 2026. 

Questions? Emails us at [email protected]