What lenders are seeing now is the next logical step: the scores themselves are beginning to align more closely with the underlying data. A modern score is not simply an...

“America needs more homes.” The diagnosis is so widely accepted that it has become almost reflexive, with conversations across the industry typically centering on need […]

Periods of market stress often reveal that while the tools evolve, the foundations of successful capital markets execution remain remarkably consistent. The industry’s attention sometimes is […]

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...