“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 […]

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...

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...

For much of the past century, the concept of the “starter home” served as the foundational entry point into homeownership, offering a predictable path in which households could save, purchase...

At first glance, “lender choice” sounds like an unambiguously positive development. More choice typically implies more competition resulting in better pricing and improved outcomes for borrowers. In the context of...

The rush to embrace and adopt artificial intelligence technology solutions to make mortgage operations faster, better and leaner has primarily focused on operational cost savings. Some lenders are entranced by...

Walk through enough mortgage operations and a pattern emerges: lenders have applied automation with considerable sophistication to the tasks that needed it least, and left the moments that matter most...