Every market cycle is shaped by a prevailing narrative. In housing, the current narrative has been remarkably consistent: mortgage rates remain elevated, affordability is constrained, […]

Over the past year, I’ve had the opportunity to sit down with Pennymac CEO David Spector on multiple occasions, first while wearing camouflage in the Black […]

I think most of us feel beaten over the head with the topic of AI in every conference, meeting, or blog post. But the way consumers are using AI is...

Mortgage has always been a relationship business, but it has also always been a performance business. Markets move in real time, capital flows react instantly, and every basis point matters....

If you spend enough time around blockchain conversations in financial services, you start to notice a pattern: people talk about “tokenization” like it is one thing. It is not. It...

The national home price index has become one of those gauges everybody watches even while knowing full well that real estate is local. One metro can be surging while another...

For much of the past two years, the mortgage industry has operated with one eye on the present and the other fixed firmly on the hope of a return to...

What’s striking about the current environment is just how many different forces are hitting the mortgage market at the same time, and how little room there is for clean, simple...

Every mortgage cycle exposes the same structural tension in lending operations. When volume surges, systems strain. When volume collapses, capacity gets cut faster than it can be rebuilt. The result...

Q: With midterms approaching and housing affordability still a major concern, do you expect the Trump administration to step up its focus on the mortgage market? A: There’s already a...