Underwriting

United Wholesale Mortgage allows the financing to be extended to borrowers with certain medical degrees with low down payments or potentially even none at all.

On a year-over-year comparison, title underwriters produced 15% more premiums in the first quarter, as mortgage rates briefly fell under 6% in February.

Even though the SAFE Act does not require AI loan officers licensing, other laws, as well as regulators, still look for a person to be responsible.

Approximately 54% of homeowners looked to a second lien product to access their home's stored value in the first quarter due to the "lock-in effect."

Better and Coinbase plan to make the product available to qualified borrowers nationwide by this summer. Interested customers can currently apply to a waitlist.

Mortgage lenders play a crucial role in divorce. Experts explain how to navigate decree language, assumability and tax pitfalls before it's too late.

Cotality's fraud risk index hit its best mark since 2023, but investment and multifamily properties are driving elevated risk.

Deephaven expanded its HELOC product for wholesale lenders, Attom launched an AVM model and First American added an AI assistant to its title platform.

Property taxes are up 30% since 2019, driven by pandemic-era home value gains. Mortgage borrowers pay more than those without a loan, and experts say relief is unlikely anytime soon.

Homebuyers applying for Federal Housing Administration loans in community property states are facing hurdles that current market conditions have heightened.

VantageScore 4.0 has been incorporated into the existing processes at Rocket for both the retail and mortgage broker-facing origination businesses.

Lenders at the MBA conference say non-agency is more than just non-QM — and those still treating it as a niche product are falling behind as it becomes a core part of the business.

Executives from Guild and NewRez discussed the steps they are taking as participants in the pilot phase of the roll out of VantageScore 4.0 and FICO 10T.

Achieve launches a correspondent channel for its fixed-rate HELOC, Deephaven ups its loan limit to $1M, and Planet expands into non-agency TPO products including non-QM and DSCR loans.

On a dollar basis, mortgage bankers earned $53 more on each origination versus the fourth quarter, while servicing net income was $64 higher comparatively.

The four major underwriters had an increase in first quarter open orders versus the end of 2025 in spite of data showing the number of units produced declined.

While not looking to take on UWM and Rocket, GO Mortgage CEO Jay Promisco said mortgage brokers want and need more options for their production.

The Mortgage Bankers Association's Mortgage Credit Availability Index declined 0.4% to 107.9 in April after reaching a three-year high in March.

Although posting lower volume than in the fourth quarter, all six active underwriters remained profitable, even with borrowers facing economic turbulence.

The changes put out by Fannie Mae and Freddie Mac make it clear the Nov. 2 date applies to valuation submissions to the UCDP, not when the loan is delivered.