Opinion

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

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

How reliable and accurate consumer credit reports make innovative housing solutions a reality

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

NAMB has issued a white paper outlining a legislative and regulatory roadmap aimed at boosting housing supply, reducing borrower costs, and strengthening the mortgage broker channel to expand homeownership nationwide