News Center — page 2
Guides, reference pages and industry updates for mortgage professionals, from the company that pioneered rapid rescoring in 1997.
Older posts — page 2
UpdateCredit report costs keep rising. Practical ways originators are managing them.
Credit report costs have climbed for years, and you can't control what the bureaus charge. You can control how and when those costs hit your pipeline. Practical approaches originators are using to manage the spend.
GuideWhat Is a Rapid Rescore? A Guide for Mortgage Lenders
A rapid rescore updates corrected or outdated credit data in days, lifting a borderline FICO score and clearing conditions that stall an approval. Here is how rescoring works and why one rescore is often a built-in pricing advantage.
UpdateThe New Center: How Smart Lenders Are Navigating the 2026 Credit & Market Shakeup
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.
GuideHow Rising Credit Report Costs Affect Community Bank Lending
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.
UpdateWhat Lenders Need to Know About the 2026 HMDA Reporting Changes
The only Regulation C change effective in 2026 is the asset size exemption threshold rising to $59 million. No data points were added. Here is what actually changed, who has to report, and where the widely repeated 2026 claims come from.
GuideTri-Merge Credit Reports: How They Work for Mortgage Lenders
Tri-merge credit reports form the foundation of mortgage underwriting. Understanding merge logic helps lenders make better credit decisions and identify score improvement opportunities.
UpdateWhat Community Banks Need to Know About the 2026 Mortgage Compliance Reforms
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.
UpdateCrypto and Mortgage Qualification: What Fannie Mae's Rules Actually Say
Fannie Mae has not started accepting crypto-backed mortgages. Selling Guide B3-4.1-04 has permitted virtual currency since May 2022, once converted to U.S. dollars, and still does. Here is what the rule says and what the Better and Coinbase product actually is.
UpdateNavigating the 2026 Mortgage Compliance Landscape: What Lenders Need to Know
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.
UpdateGLBA Privacy Amendments: What Mortgage Lenders Need to Know
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.
GuideFCRA Compliance for Mortgage Lenders: Essential 2026 Updates You Can't Ignore
New FCRA regulations in 2026 restrict trigger leads, update consumer dispute procedures, and raise file-disclosure fee caps. Here's what mortgage lenders must know to stay compliant.
UpdateFHFA Confirms VantageScore 4.0 Timeline: What Every Lender Needs to Know Before Q3 2026
The Federal Housing Finance Agency has confirmed updated timelines for the transition to VantageScore 4.0 and FICO 10T. Here is what mortgage lenders need to know about the biggest scoring change in a decade.
