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Coming Up:
‘Great Credit Score War’ Heats Up
Study finds VantageScore 4.0’s edges over Classic FICO ‘overstated’ or incorrect; VantageScore brushes findings aside
Pennymac Installs Vesta LOS
Announces strategic equity stake, deployment of Vesta’s cloud-native LOS
Refis Mount As Non-QM Climbs To Nearly Six Times Its Share In 2020
Refinances rose to 26% of originations last month, though purchase activity is beginning typical seasonal decline
‘Strongest Week Of Borrower Demand Since 2022’ As Rates Drop To 11-Month Low
Purchase and refinance applications jump; refis account for nearly half of all activity
A Path Back To ‘Normal’ For Housing Affordability
Lower rates and stable prices could restore balance by 2030, but affordability gains will vary widely
Three Million Borrowers ‘In The Money’
Doing the math on when refinancing truly makes sense — and LOs and brokers can help
Mortgage Performance Strong, But Insurance Costs, Housing Supply Pose Challenges
Analysts see stable loan performance and softening rates, while insurance costs rising and inventory stalling
Built On Trust
How did John Pavlakovic go from rookie banker to top mortgage consultant in Colorado? It all came down to bold moves, great mentors, and relentless follow-up.
New UAD 3.6 And Redesigned URAR Begin Limited Production
Legacy forms will continue alongside the new URAR through Jan. 25, 2026