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News
The WSJ is wrong about FHA loans and nonbanks, and they know it
1+ hour, 45+ min ago (869+ words) Editor in Chief Sarah Wheeler says the WSJ's attack on nonbanks is just a lazy way to tap into fear about another 2008-style housing crash, even though that kind of lending scenario no longer exists. Instead, the vast majority of…...
FHA expected to accept VantageScore 4.0 and FICO 10T in January
19+ hour, 19+ min ago (460+ words) FHA is expected to allow lenders to deliver VantageScore 4.0, FICO 10T or Classic FICO for case files dated on or after Jan. 1, 2027. Industry sources say model consistency is expected to apply within a loan file. AI Summary The Federal Housing Administration…...
MBA PAPI shows July mortgage payments dipped
2+ day, 1+ hour ago (562+ words) The MBA Purchase Applications Payment Index (PAPI) shows July affordability improved as the median purchase applicant mortgage payment declined to $2,175. The national PAPI fell 1.3% to 155.8, and payments were up 2.2% year over year. AI Summary Homebuyer affordability improved in July as…...
Mortgage lenders weigh AI, alternative data and credit models
2+ day, 20+ hour ago (977+ words) Credit scoring and bureau executives said expanded data can improve risk assessment, especially for borrowers with thin files or nontraditional income. They cautioned lenders to validate AI and alternative data within workflows, regulations and capital markets requirements. AI Summary Mortgage…...
How the Iran conflict is impacting housing demand
3+ day, 36+ min ago (328+ words) Housing demand in 2026 stayed mostly positive until mortgage rates rose above 6.64% for longer stretches. Recent data shows MBA purchase apps turning negative year over year and weekly pending sales at 66,177 vs 67,173 a year ago, while total pending sales are 379,819 vs…...
HomeServices adds mortgage servicing through Prosperity
3+ day, 22+ hour ago (587+ words) HomeServices of America added in house mortgage servicing through Prosperity Home Mortgage as part of its OnePoint strategy. Prosperity originates nearly $9 billion annually, and the company says servicing reduces post close handoffs and maintains borrower continuity. AI Summary HomeServices of…...
Better, Coinbase make token-backed mortgages broadly available
3+ day, 22+ hour ago (263+ words) Better Mortgage and Coinbase have moved their token-backed, conforming mortgage into general availability and are extending a lender-funded closing cost credit of up to $10,000 to eligible Coinbase One members across Better’s mortgage, home equity line of credit (HELOC) and refinance…...
Mortgage AI Adoption is Backward in Mortgage Operations
2+ week, 18+ hour ago (497+ words) Mortgage teams lose time searching across systems, policies, and tribal knowledge. Internal AI knowledge assistants can standardize answers, accelerate customer service and strengthen compliance, but only if content unification and governance come first. AI Summary That is the quiet tax…...
Colorado AI proposal raises new compliance questions in mortgage
3+ day, 19+ hour ago (1157+ words) Colorado's proposed ADMT rules would add documentation, disclosure and human review obligations for technology that materially influences lending decisions. Industry groups including MBA say definitions and operational triggers need refinement before the effective date of Jan. 1, 2027. AI Summary Senate Bill…...
Mortgage rates jump as Treasury buyback plan fails to cut costs
3+ day, 23+ hour ago (886+ words) Mortgage rates moved higher in the last week of August despite a Treasury plan to buy back long-term debt starting Sept. 9. Market focus on inflation, oil, deficits and nonagency risk pushed jumbo rates to 7.14%. AI Summary Mortgage rates are still…...