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...

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...

Predicting the future is always a challenge, and no one has the crystal ball to foresee exactly what will happen in 2025, especially when...

As we embark on a new year, it’s essential for decision makers at mortgage companies to focus on setting clear goals and aligning...

When a borrower locks a rate with a lender, the lender promises to hold that rate for the borrower until the loan closes. But there is a...

'Twas the week before Christmas when all through the States, The market was slower, buyers wary of rates. Santa Powell made an...

As we look ahead to 2025, the mortgage industry is poised for significant shifts driven by economic conditions, policy changes, and...

As the leader of a Broker Action Coalition, my mission is clear: to serve as the bridge between the mortgage industry and consumers,...

Being a successful loan originator involves more than simply processing loan applications. It requires a blend of technical knowledge,...