Apply Online
Schedule a Call

Risk management

Jumbo loans are creeping into non-QM, HELOC securities

Risk management, Secondary markets, Servicing /

Larger loans are increasingly showing up throughout private-label residential mortgage-backed securitizations, even in transactions outside the jumbo sector, according to new research. Processing Content Balances of $1 million or more are becoming more common for securitizations in the market for loans made outside of the qualified mortgage definition’s parameters, according to a Bank of American […]

Jumbo loans are creeping into non-QM, HELOC securities Read More »

Double-pledging risk: What mortgage lenders should know

Capital markets, Mortgages, Originations, Risk management, Secondary markets /

As recent incidents of double-pledging risk increase outside the domestic single-family mortgage market, questions arise as to whether they could soon be a concern for home lenders in the United States. Processing Content Double pledging occurs when an asset such as a mortgage or auto loan gets used as collateral for more than one source

Double-pledging risk: What mortgage lenders should know Read More »

Risk management gaps that expose mortgage lenders

Cyber security, Risk management, Secondary markets /

Mortgage lenders operate in an environment defined by regulatory scrutiny, cybersecurity threats, and capital pressure. Yet many institutions still underestimate the risk management gaps that expose mortgage lenders to enforcement actions, litigation, and reputational harm. These gaps rarely stem from a single failure. Processing Content Instead, they emerge from overlooked controls, fragmented oversight, and outdated

Risk management gaps that expose mortgage lenders Read More »

Mortgage tech can’t fix bad credit data

Credit reporting, Credit scores, Mortgage technology, Risk management /

The mortgage industry loves speed. Faster verifications, faster underwriting, faster closings. Over the past decade, lenders have invested heavily in technology designed to compress cycle times, reduce manual touchpoints, and improve margins in an increasingly rate-sensitive market. Processing Content But there is a structural problem technology alone cannot solve: a mortgage decision is only as

Mortgage tech can’t fix bad credit data Read More »

The hidden cost of vacant properties for mortgage lenders

Foreclosures, Risk management, Servicing /

When a borrower leaves a property, voluntarily or through foreclosure, the asset’s risk profile changes immediately. For housing financers and mortgage lenders, a vacant home is not simply a pause in revenue. It represents an active liability that requires aggressive management to prevent significant financial loss. Processing Content Understanding the specific risks associated with vacant

The hidden cost of vacant properties for mortgage lenders Read More »

What Fannie Mae, Freddie Mac MBS purchases mean for reform

Risk management, Secondary markets /

The government-sponsored enterprises’ move toward buying mortgage-backed securities to lower rates in the near term has raised questions about whether it diverts attention from broader reform efforts. Processing Content The answer appears to be that MBS buying could add to capital challenges at the margins, but ultimately it doesn’t do much to change the big

What Fannie Mae, Freddie Mac MBS purchases mean for reform Read More »

Banks remain most breached sector as attacks hit record

Cyber security, Data security, Risk management, Technology, Vendor management /

Supporting data: The financial services sector saw 739 data compromises in 2025, the highest of any industry for the second consecutive year. Key insight: “Skimming 2.0” marks a resurgence of physical threats, with criminals deploying Bluetooth-enabled overlay skimmers at points of sale. Forward look: Regulators warn that reliance on third parties for critical activities creates

Banks remain most breached sector as attacks hit record Read More »

FSOC tilts scales in oversight toward deregulation

FSOC tilts scales in oversight toward deregulation

Politics and policy, Risk management, Secondary markets, Technology /

Scott Bessent Photographer:Al Drago/Bloomberg The Financial Stability Oversight Council’s take on its guiding principles is shifting, according to statements by Treasury Secretary Scott Bessent on Thursday. Processing Content Bessent said in the open part of the group’s meeting that the council needs to ensure its original focus on regulation to control risks associated with the

FSOC tilts scales in oversight toward deregulation Read More »

Mortgages delinquencies may inch up amid affordability pressures

Credit, Risk management, Servicing /

Consumer credit is broadly stable but historically low mortgage delinquencies could drift upward in the coming year, according to Transunion’s latest forecast. The average mortgage delinquency rate that ended 2024 at 1.39% and is on track to reach 1.54% by the end of this year may be 1.65% by the time 2026 is over. Other

Mortgages delinquencies may inch up amid affordability pressures Read More »

MBA objects to credit report price hike, wants single pull

Credit scores, LOAN PRODUCTS, Originations, Risk management, Secondary markets, Underwriting /

The mortgage industry is up in arms about price increases for credit score pulls. “By now, half the mortgage industry has seen the proposed increases for accessing consumer credit,” a LinkedIn post from NFM Lending Managing Director Greg Sher said. “It’s anywhere from 40-100% – this is on the heels of 700% increases over the

MBA objects to credit report price hike, wants single pull Read More »