Today's Commentary · June 19, 2026
June 19: Appraisal chief job; AI compliance, HELOC, AI loan precheck, cloud-based LOS tools; Plan for in-person events
Son: “Dad, why is there a tobacco tax?” Dad: “So people smoke less.” Son: “Why is there an income tax?” Dad: ”Uh…” Parents serve an important role in educating, and then often helping, their children. The “Bank of Mom & Dad” is a thing. Lenders and MLOs have a deeper view of consumer behavior revealing patterns, trajectories, and resilience rather than simply balances and scores at a single point in time. Are Freddie and Fannie’s credit models seeing that two borrowers may appear identical on...