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

In today's evolving financial landscape, the current approach to underwriting is falling short and fails to accommodate the profiles of...

In today’s mortgage industry, technology drives efficiency, speed, and accuracy like never before. But while we celebrate the...

Prepayment speeds, aka how quickly borrowers pay off their loans ahead of schedule (whether through refinancing or selling their homes),...

I had my first misfire with Waymo this past weekend. For those who don’t know, Waymo is a fully autonomous ride-hailing service operating...

Yesterday, Figure announced the formation of a new guarantor vehicle in partnership with major asset manager Sixth Street, marking a...

The growth of the federal government and its increasing centralization under the executive branch raise fundamental questions about the...

The Trump administration has taken an aggressive approach to downsizing government operations, leading to significant disruptions across...

Fiscal and monetary policies are two key levers that governments and central banks use to manage economic stability, yet they operate in...

The January prepayment speed report, based on February 2025 data, revealed a notable 14 percent decline in aggregate Fannie Mae 30-year...

The CFPB is on pause. Will the Bureau ever return? If not, what will be the ramifications for the industry? I gaze into my crystal ball...

Mortgage prepayment speeds slowed significantly in January, with Fannie Mae’s 30-year mortgage-backed securities seeing a 14 percent drop...

Leveraging Community Roots  When the Great Recession hit in 2008, America’s largest banks left a void in mortgage lending – one that...

Lenders picking up market share right now aren’t waiting for rates to drop. They’re adapting, innovating, and playing   offense while...

Everyone in the mortgage industry seems convinced that 7%+ rates are here to stay for 2025. Here’s why I think   they’ve got it wrong.  ...

As we begin 2025, it is imperative to examine how the evolving mortgage market is affecting first-time homebuyers. Historically, this...

In the mortgage industry, accurately assessing a company’s financial strength is crucial for both regulatory compliance and effective...

In recent years, workers in lower-paid industries have faced significantly tougher economic conditions than their higher-income...

I would be surprised if those homes in Southern California that have burned have paid enough premiums to insurance companies to cover...

As we celebrate Jimmy Carter’s life, thoughts turn to another underappreciated one-termer, George H.W. Bush and infamous “vision” gaffe....