“The difference between me and Superman is that he has super vision. I require supervision.” We’re halfway through the third quarter: Will your company require supervision or super vision to go forward? Speaking of which, when did our business start with the catchy slogans? Stay alive in ’25? Stay in the mix in ’26. It’ll be heaven in ’27. How about, “Try to earn a little revenue every day, day after day.”? In Mortgage Land, I received this note. “Rob, I tuned in recently to a webinar of an investment banking economist talking about the lending industry in the 3rd and 4th quarters of 2025. All they could talk about were predictions of doom and gloom: increased delinquencies, increasing inventory for sale, fewer borrowers qualifying (especially with student loans coming due), more borrowers ‘under water,’ Agency uncertainty, more sellers refusing to budge on their asking prices, and higher rates. Are you hearing similar things?” Never listen to the experts! Watch the facts! No, volumes aren’t setting the world on fire, but most companies have right sized and seem to be doing “moderate to good.” Individuals and families still want to own a home and stop renting and still want someone to help them save money on their overall debt picture. (Today’s podcast can be found here and this week’s is sponsored by ICE. By seamlessly integrating best-in-class solutions, ICE optimizes every stage of the loan life cycle, setting the standard for innovation, artificial intelligence, efficiency, and scalability, and defining the future of homeownership. Today’s has an interview with Total Expert’s Joe Welu on how the company is leveraging its new Agentic AI Sales Assistant to transform loan officer productivity, strengthen customer relationships, and drive mortgage volume, while examining the evolving opportunities and risks AI presents to lenders in 2025 and beyond.)