Deregulation may ease oversight, but it raises the stakes. Without the scaffolding of regulatory mandates, trust becomes the only real...

Last week, I had the opportunity to attend the MISMO Summit in Boston, a gathering of the brightest minds shaping the standards that...

Whether it’s $12 or $13k per loan, do you really think that you’re going to markedly lower the cost to produce a loan this quarter? Or...

This is the first installment of a weekly ‘check-in’ where I’ll be sharing actionable ideas to help Loan Officers build a stronger,...

The residential lending industry stands at a critical crossroads. Decades of traditional practices have left the mortgage process...

Rent Payment History is both willingness and ability to pay The best indicator of whether someone can repay a monthly mortgage payment is...

In the dynamic landscape of mortgage lending, managing rate lock renegotiations and early payoff scenarios is crucial for maintaining...

In today’s mortgage industry, the battle for borrower retention is increasingly being fought on the front lines of personal...

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

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...

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

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...

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...

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...