Credit reporting insights, compliance updates, market analysis, and product news — powered by AI, curated by experts.
Rising credit costs, scoring model upheaval, trigger lead restrictions, and a fragile housing market are converging in 2026. Here is how lenders can find stable ground.
All three major credit bureaus launched AI-powered scoring models in Q1 2026. Learn how Experian Boost AI, Equifax AI Mortgage Score, and TransUnion CreditVision AI are changing mortgage underwriting—and what your lending operation needs to do now.
Credit report costs continue climbing for community banks, squeezing margins and forcing difficult decisions. Understanding the impact helps lenders develop strategies to maintain profitability while serving their markets effectively.
The 2026 HMDA reporting changes bring 50+ new data points for closed-end mortgages and expanded open-end credit coverage. Learn about the new requirements, institutional thresholds, implementation timeline, and how to prepare your lending operation for compliance.
Tri-merge credit reports form the foundation of mortgage underwriting. Understanding merge logic helps lenders make better credit decisions and identify score improvement opportunities.
The March 2026 executive order directing CFPB to reduce mortgage compliance burdens for community banks could reshape lending for smaller institutions. Learn what's changing with TRID, QM safe harbor, HMDA reporting, and ATR rules—and how to prepare your institution for implementation.
Mortgage originations are down sharply in 2026, but the purchase market is still moving. Here's how lenders can capture market share with soft credit pulls, government-backed lending, rate buydowns, and credit optimization strategies.
The March 2026 executive order directs federal agencies to modernize mortgage regulations, potentially bringing the biggest changes since Dodd-Frank. This deep dive explains what's actually proposed, how TRID, ATR/QM, and HMDA rules could change, and what lenders should do now to prepare for reforms that won't arrive until 2027.
Fannie Mae is accepting crypto-backed conforming mortgages for the first time. Here's how the new program works, what it means for qualification, and what mortgage lenders should prepare for.
New FCRA restrictions on trigger leads, updated HMDA thresholds, and a shift toward effectiveness-based compliance evaluation. Here's what mortgage lenders need to know about 2026's regulatory changes.
A new executive order aims to modernize mortgage compliance requirements, shifting from process-focused oversight to effectiveness-based evaluation. We break down the key changes coming to HMDA, ATR/QM rules, and enforcement approaches.
A House discussion draft proposes significant GLBA amendments that would require mortgage lenders to implement data minimization, provide consumer access and deletion rights, and adopt enhanced privacy protections—while offering federal preemption of state laws.
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