AnalysisMortgage & FinanceOct 8, 20264 min read
UWM Credit Score Overlay Removal: The Limits
UWM credit score overlay removal covers specified agency loans. Agency rules and loan conditions still apply, while scores remain relevant to pricing.
Lenders & Origination
Lenders, origination, distribution channels, and mortgage business strategy.
Latest coverage
AnalysisHousing TechnologyOct 7, 20264 min read
PollyOS Loan Margin Tracking: What to Verify
Evaluate PollyOS loan margin tracking by reconciling lock economics with sale proceeds, tracing overrides and checking rollout and performance claims.
AnalysisHousing TechnologyOct 2, 20264 min read
UAD 3.6 Policy Exception: Who Must Apply?
The UAD 3.6 policy exception requires approval from each applicable GSE. Track the mandate, 2027 submission deadlines and vendor readiness.
AnalysisMortgage & FinanceSep 28, 20264 min read
Eleven Mortgage Exit: Loans in Progress
The Eleven Mortgage exit affects brokers with loans in progress. See what Benchmark confirmed and what funding, rate-lock and transfer terms need checking.
AnalysisMortgage & FinanceSep 25, 20264 min read
UWM Underwriting Plus: Processing Handoffs
UWM Underwriting Plus processing changes broker handoffs. Assess borrower communication, the 8.3-day pilot measure and costs after the offer.
AnalysisMortgage & FinanceSep 18, 20263 min read
Gateway Colonial Savings Acquisition: Timing
The Gateway Colonial Savings acquisition is pending. Its Q1 2027 target is separate from Colonial's earlier origination exit and servicing sale.
AnalysisAgents & BrokeragesSep 14, 20264 min read
HomeSmart–loanDepot: Lender Choice
HomeSmart and loanDepot’s nonexclusive partnership clarifies lender choice while leaving service commitments and compensation terms undisclosed.
AnalysisHousing TechnologySep 14, 20263 min read
Vesta Mezzo Verification Routing: What to Test
Vesta Mezzo verification routing adds a shared provider gateway. Test lender rules, fallback orders and cost evidence before rollout.
AnalysisHousing TechnologySep 11, 20264 min read
Ocrolus AIM Check: What Early Assessment Means for Income Relief
Ocrolus AIM Check provides an early income assessment. Relief eligibility depends on the later LPA submission, feedback and applicable requirements.
AnalysisMortgage & FinanceSep 11, 20264 min read
VantageScore Rules for Joint Borrowers: One Model per Loan
VantageScore model rules require joint borrowers to use one model per loan. See the September 9 changes and limits as of September 11, 2026.
AnalysisPolicy & RegulationSep 8, 20264 min read
MBA New Jersey Disparate Impact Lawsuit: Who Must Prove What?
The MBA lawsuit over New Jersey disparate impact rules contests the burden of proof. See what lenders should document and what court relief would change.
AnalysisMortgage & FinanceSep 2, 20263 min read
Figure–Kiavi Acquisition: What Changes in Lending Access?
The Figure–Kiavi acquisition has closed. See what changed hands, what lending access is planned, and what brokers should confirm for existing files.
AnalysisHousing TechnologySep 1, 20264 min read
Candor DI Document Reconciliation: Preserve the Evidence
Candor DI document reconciliation promises cleaner loan files. Lenders should verify audit trails, governance duties and time-saving claims.
Data ReportHousing TechnologyAug 30, 20264 min read
Q2 2026 Mortgage Fraud Risk: Read the Mix
The Q2 2026 mortgage fraud risk mix shifted toward purchases. What Cotality’s index measures and what lenders should check before tightening controls.
AnalysisPolicy & RegulationAug 26, 20265 min read
SPCP Guidance Rescission: What Changed in August 2026
The August 2026 SPCP guidance rescission withdrew a 2022 statement. Lenders also need to check July rule changes and current program terms.
AnalysisMortgage & FinanceAug 24, 20264 min read
NEXA–UMortgage: What Changes in Lender Access?
NEXA says UMortgage gains broader lender access. What the acquisition announcement means for pending loans, rate locks and loan officer transitions.
AnalysisHousing TechnologyAug 21, 20264 min read
Checkr–Truv Acquisition: Mortgage Verification Continuity
The Checkr–Truv acquisition raises mortgage verification questions about coverage, integration continuity, borrower permissions and underwriting use.
Data ReportMortgage & FinanceAug 19, 20264 min read
Q2 2026 IMB Cost per Loan: What the Decline Shows
Q2 2026 IMB cost per loan fell as volume rose. MBA’s figures show stronger production margins but do not establish lasting operating efficiency.
Data ReportHousing TechnologyAug 12, 20264 min read
July 2026 Mortgage Pull-Through: What Lenders Can Infer
July 2026 mortgage pull-through weakened for purchases and refinances. Cohort definitions determine what those rates mean for funding forecasts.
ComparisonMortgage & FinanceAug 11, 20264 min read
Correspondent Lender Loan Funding: Who Decides?
How correspondent lender loan funding works, who controls delegated and nondelegated underwriting, and what changes when ownership or servicing transfers.
AnalysisMortgage & FinanceAug 4, 20264 min read
JPMorgan Housing Pledge: The Test for Mortgage Access
JPMorgan’s housing pledge sets financing and hiring goals. Track mortgage access through local staffing, available products and lending outcomes.