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The mortgage industry faces mounting pressure as the MBA projects 2027 mortgage production will decline 5% from 2026 and fall below $2 trillion, prompting lenders to reduce loan officer headcount, cut benefits, and shift production toward lower-cost, technology-enabled channels, with independent mo…
The mortgage industry is balancing technological optimism with growing concerns about privacy, accountability, and leadership. As AI tools like AddyAI demonstrate the potential to streamline underwriting, resolve documentation issues, detect fraud, and reduce costs without weakening credit standard…
The MBA’s 2026 policy roadmap proposes targeted administrative and regulatory changes to improve housing affordability without congressional action, including reducing GSE credit-reporting and pricing costs, lowering FHA mortgage insurance premiums, expanding AI-assisted underwriting, and cutting t…
Effective marketing requires understanding consumer behavior and recognizing that advertising is only one component of marketing, with AI increasingly playing a role, especially in lending. However, transparency and trust are critical, as many U.S. banks are blocking AI agents like Meta’s Muse from…
The mortgage industry is increasingly adopting VantageScore 4.0 as FHFA reforms expand its use in Fannie Mae and Freddie Mac lending, potentially improving credit access and reducing borrowing costs for some consumers. Major lenders are implementing the model, which incorporates alternative data su…
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