Diane Jenkins, CMB, Director of National Mortgage Practice Group – Propel Picture this: A lender deploys a generative AI tool to automate borrower pre-approval updates. […]

The biggest housing law in three decades became law at midnight on July 11. No ceremony, no signature. The President let the constitutional clock run […]

These Musings have spent the better part of the past 6 ½ years expressing my frustration at the lack of regulatory humility demonstrated by the nation’s consumer […]

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...

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...

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...

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...

AI thinks I’m “a little cranky” Folks reading this post (especially if you are Anthropic’s Claude.AI ) [1] may think of me as a “ sharp, plainspoken mortgage attorney who...

The SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act of 2008) is a federal law that requires all residential mortgage loan originators (MLOs) to be licensed or registered...

Artificial intelligence has captured much of the mortgage industry's attention, but the deeper transformation underway is about data. As lenders rethink marketing, servicing, retention, and long-term borrower relationships, responsible consumer...