Opinion
Coming Up:
What Two Mortgage Attorneys Want You To Know Before AI Blows Up Your Business
James Brody and Ronald Gapp of Brody Gapp LLP sat down with NMP at MBA Secondary — and didn't hold back
Non-QM Doesn’t Fail At Underwriting. It Fails At Truth.
Non-QM lending is not only challenged by borrower complexity, but by the industry’s inability to establish consistent financial truth early in the process
The Verification Collapse: Why AI Underwriting Is Building On A Fragile Foundation
The real vulnerability in lending isn’t borrowers — it’s bad data
What Rocket And Compass Are Really Telling You About The Future Of Mortgage Distribution
Why the JV model no longer controls where the mortgage decision is made
Homes For People, Not Portfolios
Trump’s housing directive targets bulk buyers — but the real impact hinges on definitions, supply, and migration to build-to-rent
NMP
Mortgage Credit Score Price War Misses The Real Cost Problem: Credit Reports
Even as VantageScore prices fall, lenders say tri-merge credit report costs remain an expensive third-party expense in mortgage origination
Supply And Demand And The U.S. Government
As GSEs dominate the nation’s mortgage supply and household debt climbs, shifting borrower demographics and easing lending standards point to a gradual, but uneven, market expansion
Spring Break May Come Early
With house-buying power surpassing median list prices for the first time in over three years, spring 2026 could bring renewed activity for buyers, though tight supply will remain a key factor
A Strong Foundation Makes Innovation Possible
How reliable and accurate consumer credit reports make innovative housing solutions a reality
Mortgage Credit Score Reform Could Yield $648M In Annual Savings
A new analysis finds the FHFA’s decision to allow VantageScore in conforming mortgages could save lenders and borrowers approximately $650 million annually while expanding credit access to millions of additional consumers