Emerging Credit Models & Non-Traditional Data: What Lenders Should Watch
Traditional credit models, while reliable, don’t tell the full story for millions of potential borrowers. In 2025, the mortgage industry is witnessing a paradigm shift toward inclusive credit evaluation — powered by technology and alternative data.
Regulation and Compliance in 2025: What’s Changing for Mortgage Lenders
The mortgage regulatory environment continues to evolve, shaped by fair-lending priorities, data transparency, and consumer protection. For lenders, 2025 represents both risk and opportunity — particularly as compliance expectations intersect with technology.
Using Technology to Streamline Mortgage Origination in a Slow Market
In a lower-volume environment, efficiency becomes survival. Technology isn’t just about speed — it’s about maximizing margins when every basis point matters.
The Affordability Crunch: What Lenders Need to Know About Today’s Borrowers
Even as the broader economy stabilizes, the U.S. housing market remains caught between high rates, low supply, and escalating prices. This “affordability crunch” defines today’s borrower experience — and reshapes how lenders engage with clients.
Navigating the 6% + Mortgage Rate Era: Strategies for Originators
For many in the mortgage industry, the post-pandemic era has ushered in a new kind of normalization. With 30-year fixed rates holding steady above 6%, lenders and originators are adapting to a market that looks very different from the refinance booms of 2020–2021.