Why we need the CFPB? The above photo for fast-food financing was not AI generated. It is a real pop-up store that actually appeared in...

Artificial intelligence (AI) is rapidly reshaping the way businesses operate, offering new levels of efficiency, accuracy, and...

In today's mortgage capital markets, volatility seems to be more the new normal than a passing trend. From geopolitical events to...

The mortgage capital markets are a dynamic ecosystem that balances the needs of borrowers, lenders, and investors, all while responding...

Whether you see them as vital to the housing system or outdated holdovers from another era, Fannie Mae and Freddie Mac — the...

The 2025 NextGen Homebuyer Report, conducted in partnership with National MI, provides an in-depth analysis of the evolving homeownership...

Home lending is one of the few industries where the customer can lock in a future rate and price. Put another way, if you went to the...

The first quarter of 2025 presented a mixed picture of the U.S. economy and housing market’s future. Tight monetary policy and...

Agency heads are in place. Scott Turner's publicly teased Opportunity Zones 2.0 & selling federal land for housing. The administration is...

President Trump unveiled sweeping new tariffs last week, but the financial markets weren’t impressed—stocks dropped roughly 5 percent,...

Capacity planning is one of those things you learn through experience—sometimes the hard way. Back in college, when one of my roommates...

I am asked all the time where I think rates will be in six months. My answer, after I say that I can’t even predict where I’m going to...

Third-party vendors have become essential to mortgage lending, supporting everything from loan origination to post-close servicing. As...

(A Story in the Style of Dr. Seuss) The builders, they built, but they couldn't build more, The costs were too high, the regs were a...

Dear Messrs. McKernan, Vought, Calabria, Musk, et. al., I am the author of a cynical, snarky and heavily footnoted free mortgage industry...

If you're a homeowner, life is good right now. You’re sitting on a low-rate mortgage, building equity, and watching home values climb....

The vast majority of residential mortgages in the United States are originated, underwritten, funded, and ultimately sold in accordance...

The interest rate markets have a way of humbling almost all the ‘experts’ and the very first thing you learn in Secondary Marketing is...

In recent years, appraisal management companies (AMCs) have played an increasingly vital role in the mortgage industry, addressing...

Over the past 15 years, the mortgage lending landscape has completely flipped. In 2010, depository institutions originated 81% of all...