Today's Commentary · October 14, 2026

Oct. 14: Correspondent & wholesale, CLE, audit, free POS products; News from Chicago; MBA Chair Owen Lee interview; hot inflation

I recently overheard someone on the phone ask, “What percentage of my donation will go toward public recognition that I made a donation?” Clever. What percentage of the industry is shifting credit policies? Yesterday the industry learned that Fairway Independent and Movement are “now implementing VantageScore 4.0 (owned by Experian, Equifax, and TransUnion)… The VantageScore 4.0 credit scoring model is offered through Experian, Equifax and TransUnion, as well as mortgage technology providers including Xactus, Calyx, and Optimal Blue. Its use in mortgage was pioneered by...