2025 has been another pivotal year for the mortgage industry. After several years of rising costs, rapid regulatory changes, and intense profit margin pressure, this year has been characterized by cautious optimism. As 2025 winds down, you may be wondering how to strengthen your operations and lending strategy to achieve even better results in 2026. Taking stock of what worked—and … Read More
With a new year fast approaching, many mortgage lenders are reviewing their budgets, negotiating their contracts, and refining their workflows. During this process, it’s crucial to evaluate whether your current credit provider is acting as a true strategic partner. A worthwhile credit partner should proactively support your success by helping you cut costs, optimize your workflows, and stay ahead of … Read More
Your borrowers may open their credit report and spot a puzzling phrase: account review inquiry. For them, that unexpected entry can trigger worry: Is something wrong? Will this hurt my credit score? This article can help you ease those concerns. It walks borrowers step-by-step through what an account review inquiry is, why it appears, and how it affects their credit, so … Read More
As 2025 winds down, many mortgage lenders are wondering: What will 2026 have in store? After several years of rate shocks, regulatory shifts, and market uncertainty, the industry may finally be entering a period of cautious stabilization. But “stable” doesn’t mean slow. From the rollout of modern credit scoring models to rapid advancements in AI, lenders will face significant changes … Read More
If your credit costs are outpacing your loan volume and revenue, you’re not alone. Lenders across the country are struggling to absorb rising credit bureau fees, verification charges, and compliance requirements as loan production and profit margins remain tight. Mortgage origination costs have increased by 35% over the past three years. And while most lenders are feeling the pinch, some … Read More
You’re in the trenches every day. A borrower’s application lands on your desk, and it looks solid. But how solid is it really? That critical question is why mortgage verification exists, and getting it right is everything. A weak mortgage verification process is not just a small crack in the foundation; it can bring the whole house down. It is … Read More
