"Şubat 9, 2026" Arşivleri

Arşiv Sayfaları

Looming risk for mortgage credit and MBS investors from “Lender Choice”

Since 1996 when Freddie Mac introduced the industry to the first automated underwriting system (AUS) for GSE-eligible mortgages, a borrower’s credit score has served as one of the most important predictors of mortgage delinquency.  For many years thereafter, FICO score was the sole provider of scores to both GSEs’ AUS scorecards.  The arrival of VantageScore…

Smart servicing: Why purpose-built software pays off

The mortgage market is showing signs of recovery. After years of navigating elevated interest rates that began climbing in late 2021, lenders are seeing a path forward. The Mortgage Bankers Association’s (MBA) January 2026 Mortgage Finance Forecast projects that single-family mortgage origination volume will increase in 2026 to $2.2 trillion in 2026, up from $2.05…

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