In an era where artificial intelligence promises transformation across every industry, the mortgage sector has been cautious, often for...

In the first Voice of the Industry , David Spector, Chairman and CEO of Pennymac, discussed his path from early beginnings on Wall Street...

Yes, the Federal Open Market Committee cut its overnight fed funds rate last week, prompting banks to reduce their prime rates, and the...

I’ve been in mortgage since 1991. Rates were north of 10%, “apply now” meant stacks of paper, and the concept of consumer-permissioned...

After years of mounting pressure and advocacy, the Homebuyers Privacy Protection Act (commonly referred to as the “trigger lead bill”)...

I’ve been tracking Kristin Messerli's  NextGen HomeBuyer research for five years, and this year’s Financial Literacy Edition  is the...

After talking with and interviewing hundreds of mortgage professionals, I can say with certainty: the loan officers who win in this...

Ten Keys to Survival 1. Preserve capital. 2. Maintain maximum liquidity. 3. If not profitable, cut expenses down to where you break even....

We have seen too many banks and credit unions exit mortgage banking, usually at exactly the wrong time. But the good news is that many...

Now that we’re kicking off the new year, it’s a good time to set goals and establish priorities. Here are ten things we hope you’re...

The mortgage industry has no shortage of hype around artificial intelligence. Every week, a new vendor promises borrower-facing chatbots,...

Since originating my first loan in 1991, I’ve lived through plenty of cycles where the Fed gave us a dose of reality. Friday in Jackson...

David Spector is the Chairman and Chief Executive Officer of Pennymac, one of the largest and most respected lenders and servicers in the...

If you’re unfamiliar, the HELPER Act (Homes for Every Local Protector, Educator, and Responder)  proposes a straightforward idea: allow...

The announcement by the Trump Administration to potentially take Fannie Mae and Freddie Mac public has reignited a complex and often...

The Federal Reserve, the “central bank” of the United States, does not set mortgage rates. That said, mortgage rates do indeed tend to...

In a market where every lead feels harder to come by and conversions take longer; loan officers are looking for an edge that will not...

For decades, the mortgage industry's refi booms were predictable, secular events. A long-term downward trend in interest rates would...

In the mortgage industry, risk is a constant variable. Something that can be managed, or mitigated, but never eliminated. Amid the...

The summer slowdown is real.But someone forgot to tell Abdel Khawatmi . While many loan officers are sitting on the sidelines waiting for...