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Moderate leverage is one example of cleaner credit, as the current collateral pool's original loan-to-value (LTV) ratio is 69.1%, down from 71.7% on the 2024-NQM1 series.

A recent letter addressed to the FHFA fueled a consumer advocacy group to look at salaries, which have been criticized as not aligned to the system's purpose.

Federal Reserve Gov. Michelle Bowman, who has been nominated to be the central bank's top regulator, sidestepped direct questions about the Trump administration's incursion into the Fed's regulatory independence.

Gail McGiffin is the Managing Director and Global Insurance Advisory Lead at EPAM, where she helps insurers deliver large-scale transformation programs focused on growth, efficiency and digital innovation. With over 35 years of experience in insurance leadership, she specializes in underwriting modernization, data-driven platforms and operational efficiencies.

Before joining EPAM, Ms. McGiffin was the Chief Information and Operations Officer and board member at Vantage Group Holdings Ltd., where she led technology and operations. She previously served as Global Insurance Underwriting Lead and Partner/Principal at EY, Chief Information Officer and a member of the board of directors at ProSight Specialty Insurance and Managing Partner at Accenture, where she established and led the Global Underwriting Practice. Ms. McGiffin began her career at Chubb, holding leadership roles in underwriting and product innovation.

Justin Grooms is the president of Bolt, a checkout technology company.

Brian Moore leads the North American operations for Sollers Consulting, he has more than 20 years of experience in insurance technology leading professional services teams. 

Lennart Imorde is the Head of Process Automation at Sollers Consulting specializing in implementing core insurance systems and driving automation in insurance processes through Robotic Process Automation (RPA), Business Process Management (BPM), and AI-driven solutions.

One of the biggest culprits is the CFPB's qualified mortgage rule and the ever-expanding debt-to-income ratios allowed under it, writes a co-director of the AEI Housing Center.

Freddie Mac reported a 2 basis point drop in mortgage rates, but other timelier measurements had the 30-year fixed close to or above the 7% mark.

Approximately 9% of current homeowners experience a labor market event that results in a negative credit shock, limiting access to their equity, Point said.