Loan Think

Non-QM's rapid rise is reshaping how lenders underwrite and manage risk, setting a model the rest of the industry will follow, writes the founder of Prudent AI.

Third-quarter mortgage earnings revealed swings in profitability, but the real story, according to the Chairman of Whalen Global Advisors, is that hedging MSRs is unnecessary for well-managed lenders.

Mortgage groups want GSEs to buy MBS to lower rates, but the Chairman of Whalen Global Advisors writes that the plan is risky, unnecessary, and poorly timed.

Several claims in a recent Loan Think column misrepresented how credit scores and resellers work in mortgage lending, according to the president of the National Consumer Reporting Association.

Renters who pay on time deserve credit toward homeownership, and new data tools can make that possible, according to the owner of Burkentine Real Estate Group.

In order to believe in the idea of "competition" in credit scores, the Washington housing community must believe that large institutional investors who buy whole loans and mortgage-backed securities are really, really dumb, writes the Chairman of Whalen Global Advisors

The truth is straightforward: the VantageScore 4.0 credit score outperforms the outdated FICO Classic credit score for mortgage, writes the chief data scientist at VantageScore.

VantageScore's claims of outperforming Classic FICO rely on flawed methods and biased comparisons that overstate its impact, according to analysts from AEI Housing Center.

FICO's claims about its 10T score highlight how its monopoly has stifled innovation and raised costs for homebuyers, according to the CHLA's Rob Zimmer.