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Editorial Research

EXCLUSIVE RESEARCH: How AI is supporting bank mortgage growth plans

Artificial Intelligence, Editorial Research, Mortgage technology /

While the past decade has seen the share of depository institutions in mortgage shrink, a select number of banks and credit unions are growing their home lending departments, and technology’s improvement is one reason why they smell opportunity. Processing Content Coinciding with recent plans among banks and credit unions to grow in mortgage are predictions […]

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AI hits underwriting: 57% of pros predict change

Artificial Intelligence, Editorial Research, Underwriting /

Underwriting processes will see the greatest transformation — and the biggest lift — from artificial intelligence this year, and the outcomes it produces should aid in instilling confidence among buyers and lenders.  Processing Content In a recent National Mortgage News survey, 57% of respondents predicted AI-driven underwriting would create the greatest mortgage industry change this

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Lenders anticipate more revenue, but split on hiring plans

CAREER & COMPENSATION, Editorial Research, Originations /

Most lenders expect to make more money this year, but aren’t committing to increase hiring. Processing Content Those sentiments are part of a largely bullish forecast by mortgage professionals in the National Mortgage News Predictions 2026 survey. A combined 84% of respondents said they expect a slight to significant increase in revenue this calendar year

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Pulte: GSE stock move odds ‘strong,’ but ‘we don’t have to’

Editorial Research, Politics and policy, Secondary markets, The Great American Mortgage Corporation /

A public stock offering for the government-sponsored enterprises remains on the table this year, but it is not the only path under serious consideration, according to Federal Housing Finance Agency Director Bill Pulte and industry survey results that align with NMN’s earlier reporting.   Processing Content “There are very strong odds” of a GSE stock

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Lenders predict 2026 rebound led by refis and home equity

Distressed, Editorial Research, LOAN PRODUCTS, Originations, Secondary markets, Underwriting /

Nearly three quarters of lenders expect mortgage volume to improve in 2026, but their confidence is concentrated in refinancings and home equity lending. Processing Content Those expectations from the National Mortgage News Predictions 2026 survey, which was fielded online during November and December among 156 mortgage-industry professionals. More than half, 55% of respondents, work at

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Bankers wary of nonbank payment rivals in 2026

Editorial Research, M&A, Market Intelligence, Payments, Technology /

American Banker’s 2026 Predictions Report Mergers and acquisitions, nonbank competition and digital assets are all factors shaping how banks will perform in the coming months. American Banker’s 2026 Predictions report was fielded online during October and November of 2025 among 174 banking professionals who work across a variety of executive roles at banks, credit unions,

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Freddie Mac issues updates mandating AI governance

Artificial Intelligence, Editorial Research, Freddie Mac, Industry News, Mortgage technology, Originations, Underwriting /

Freddie Mac is updating its guidelines to include explicit language requiring mortgage companies to establish a clear artificial intelligence framework governing the technology’s internal use.  The new rules become effective on March 3, 2026 and mandates compliance with the policy for businesses using AI and machine-learning tools in connection with loans sold to or serviced

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EXCLUSIVE RESEARCH: How lender size impacts their AI choices

Artificial Intelligence, Editorial Research, Originations, Technology /

Artificial intelligence is no longer a buzzword in mortgage lending — it’s rapidly becoming central to how loans are originated. But while some lenders are racing ahead with aggressive AI strategies, others are still inching forward, slowed down by cost, caution or compliance questions. Exclusive new research from National Mortgage News reveals just how uneven

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EXCLUSIVE RESEARCH: Fraud tech gaps emerge between banks and nonbanks

Editorial Research, Fraud, Mortgage technology, Originations, Regulation and compliance /

In our Tech Disruption survey, National Mortgage News asked participants “What technology is in use in your organization?” When it came to “advanced fraud protection tools,” significant shares of banks, credit unions and nonbank mortgage lenders all said they do employ them. However, a 13 percentage point gap exists between banks (86%) and nonbanks (73%);

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EXCLUSIVE RESEARCH: How LOS preferences differ across lender types

Editorial Research, Mortgage technology, Originations, Technology /

Encompass dominates the loan origination software market but allegiances vary among competing institutions of various sizes.  The LOS is a lender’s key piece of technology, often exceeding core origination tasks by housing product and pricing engines and other closing technology, according to a new report by National Mortgage News parent company Arizent.  “Everybody has their

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