Loan Think

VantageScore 4.0 offers no real edge over FICO and could add risks to housing finance, analysts at AEI's Housing Center argue.

If they exit conservatorship, Fannie Mae and Freddie Mac might increase fees or retain servicing rights, shrinking their market share, according to the Chairman of Whalen Global Advisors.

True ROI in mortgage tech comes from business goals, not operational fixes, writes the Chief Growth Officer of Rocktop Technologies.

ChatGPT is changing how borrowers search. If your mortgage business isn't showing up in AI answers, your website may no longer be your best storefront, writes the founder of Mortgage Advisor Tools.

As the CFPB reconsiders LO comp rules, tech remains key to retention and performance, according to the Head of Customer Experience & Operations at Floify.

President Trump's Big Beautiful Bill aims to save millions of homeowners an average of $1,454 annually,writes HUD Secretary Scott Turner.

Zohran Mamdani's vision for New York ignores the hard math: apartments aren't the affordable answer for families, writes the Chairman of Whalen Global Advisors.

Federal trigger lead bans will change borrower monitoring overnight. Lenders who act now on consent, predictive alerts, and clean data can protect their pipelines and gain an edge in a quieter market.

Pushing back on critics, VantageScore's Chief Strategist and Chief Economist says VantageScore 4.0 boosts competition and predicts risk better than FICO.