Opinion
Coming Up:
The Credit Cost Surge Isn’t The Problem — It’s The Symptom
Why mortgage lending is paying more for less certainty, and what comes next
NMP
The Risk Your Credit Score Can't See
Place-based market risk can produce dramatically different default outcomes among borrowers with nearly identical credit profiles
Is Non-QM A Modern-Day Cinderella Mortgage Investment?
Institutional capital is fueling Non-QM’s growth, but stronger data integrity and auditable underwriting will determine which lenders endure
Is United Wholesale’s Tale Indicative Of The Wholesale Market?
Questions over UWM’s capital structure, MSR valuations, and pricing strategy could carry consequences across the wholesale channel
Closing Costs: What HUD’s Proposed Rule Will Really Do To The Market
HUD’s proposed rollback of housing protections could deepen barriers for underserved borrowers, shrink the pool of prospective homebuyers, and ultimately cost loan originators business
The Broker’s Next Competitive Advantage Is Verified Certainty
In a market where borrowers are more complex and lenders are more cautious, brokers who can prove the file earlier will have the edge
What Originator Connect Told Me About The Business Right Now
Four days in Las Vegas revealed an industry looking beyond the market for growth — and reminded me why being in the room still matters
Technology Can Be Helpful, If Kept In Perspective
The industry’s next gains will come not from chasing more tools, but from redesigning workflows, demanding measurable results from AI, and bringing greater certainty to collateral
The Hidden Risk Inside Mortgage Tech Consolidation And How Lenders Can Stay In Control
platforms consolidate and vendors gain leverage, the lenders who stay disciplined about data, adoption, and exit terms will be the ones who keep control of their own tech stack
NMP
Why AI-Generated Paystubs and Bank Statements Are Creating A New Mortgage Underwriting Risk
AI has made convincing financial documents easier to create, forcing lenders to look beyond appearance and verify the evidence behind the numbers