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Angel Oak’s Tom Hutchens on new growth path for non-QMs as rates ease

Angel Oak, HELOC, HWmember, LendingLife, Mortgage, Non-QM, Origination, Real Estate Investing /

When mortgage rates stayed higher for longer over the past few years, originators increasingly turned their attention to nonqualified mortgages (non-QMs). But that resurgence may not lose momentum even if rates decline in 2026. “We traditionally have seen nonagency volumes represent about 10% of the mortgage business. If you figure it’s $2 trillion a year […]

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Prudent AI debuts non-QM underwriting tool

Angel Oak, Artificial Intelligence, HWmember, Investor, Mortgage, Non-QM, Technology, Underwriting /

Prudent AI — a California-based financial technology company — has released what it calls the first upfront automated underwriting system (AUS) designed specifically for non-qualified mortgages (non-QMs). Unlike traditional AUS tools — which assess loan eligibility later in the mortgage process — Prudent AI’s system reviews key borrower data such as income, credit and assets

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