Opinion
Trigger lead reform, servicing consolidation, and changing capital rules are reshaping the economics of mortgage customer retention
Sales leaders at top mortgage companies are getting ahead of the problem with new AI tools, while teams slow to adopt are falling behind
James Brody and Ronald Gapp of Brody Gapp LLP sat down with NMP at MBA Secondary — and didn't hold back
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 real vulnerability in lending isn’t borrowers — it’s bad data
Why the JV model no longer controls where the mortgage decision is made
Trump’s housing directive targets bulk buyers — but the real impact hinges on definitions, supply, and migration to build-to-rent
Even as VantageScore prices fall, lenders say tri-merge credit report costs remain an expensive third-party expense in mortgage origination
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
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