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FICO bypasses credit bureaus with new program for mortgage lenders

Credit Score, FICO, HWmember, LendingLife, Mortgage, Origination /

Fair Isaac Corp. (FICO) has launched a program allowing tri-merge resellers to calculate and distribute its scores directly to mortgage companies, effectively bypassing the three nationwide credit bureaus: Equifax, TransUnion and Experian. The move comes amid intensified competition with VantageScore, owned by the three bureaus, following the Federal Housing Finance Agency’s (FHFA) decision to let […]

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Fannie and Freddie waive some loan requirements amid shutdown

Fannie Mae, FHA, Freddie Mac, Ginnie Mae, Government Lending, Government Shutdown, HWmember, LendingLife, Mortgage, Origination /

Government agencies and enterprises issued guidance on Wednesday for mortgage lenders and servicers during the current government shutdown, which affects federal employees, services, contractors, vendors and other businesses. Fannie Mae and Freddie Mac are waiving some requirements for lenders due to the potential inability to confirm income, reserves, tax, and Social Security information from borrowers

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Record senior home equity is fueling demand for new solutions for older American homeowners

Longbridge Financial, Mortgage, Origination, Sponsored /

Older American homeowners hold substantial home equity, built over decades of steady ownership. With refinances scarce and mortgage rates still elevated, that stockpile has become the most durable growth story in housing finance—and one of the most practical ways to help older households manage expenses, preserve independence and stay in their homes. The question is

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Rocket Pro unveils broker-focused initiatives at RPX in Detroit

HWmember, Mortgage, Mortgage Broker, Origination, Rocket Companies, Rocket Mortgage /

Rocket Pro on Tuesday unveiled a slate of broker-focused initiatives affirming its commitment to the broker channel. The announcements, made at Rocket Pro Experience (RPX) held in Detroit, involve a set of 10 partner promises, a new manifesto video and several technology rollouts. The company unveiled 10 partner promises outlining its public commitment to brokers.

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Rocket Pro unveils broker-focused initiatives at RPX in Detroit

HWmember, Mortgage, Mortgage Broker, Origination, Rocket Companies, Rocket Mortgage /

Rocket Pro on Tuesday unveiled a slate of broker-focused initiatives affirming its commitment to the broker channel. The announcements, made at Rocket Pro Experience (RPX) held in Detroit, involve a set of 10 partner promises, a new manifesto video and several technology rollouts. The company unveiled 10 partner promises outlining its public commitment to brokers.

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Making the 7-day refi reality: Why now Is the time to modernize the mortgage process

Contributors, Digital mortgage, Mortgage, Opinion, Origination /

Imagine telling a borrower they can refinance their mortgage and close in just seven days. In 2025, that shouldn’t be a stretch – it should be the standard. We now live in a world of same day delivery for almost anything. But even though the technology exists to make the 7-day refi a reality, the

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CrossCountry Mortgage raises conforming loan limit to $819,000

CrossCountry Mortgage, FHFA, Homeownership, HWmember, LendingLife, Mortgage, Origination /

Top 10 U.S. mortgage lender CrossCountry Mortgage (CCM) on Wednesday announced that it has increased its conforming loan limit to $819,000, joining the list of lenders that are moving in advance of the projected 2026 loan limits to be released later in the year by the Federal Housing Finance Agency (FHFA). “Today’s housing market can

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Mortgage applications increase as rates fall to 12-month low

HWmember, Mike Fratantoni, Mortgage, Mortgage applications, Mortgage Bankers Association, Mortgage Rates, Origination, Purchase Applications, Refinancing /

Following another decline in mortgage rates, mortgage applications increased 0.6% from one week earlier, per data from the Mortgage Bankers Association (MBA)’s weekly mortgage applications survey for the week ending Sept. 19, 2025. Without adjusting for seasonality, the index increased 0.1% compared with the previous week. A key driver of applications was the refinance share

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Compass-Anywhere deal brings $9B mortgage JVs under one roof

Anywhere, Compass, HWmember, LendingLife, Mergers and Acquisitions, Mortgage, Origination, Rate /

If Compass’s proposed acquisition of Anywhere Real Estate moves forward, the companies will jointly oversee a $9 billion-per-year mortgage operation in partnership with Rate — enough to make them the 26th-largest U.S. originator in the first half of 2025. On Monday, Compass and Anywhere announced a definitive all-stock merger agreement that values Anywhere at $10

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Here’s why non-QM earned its place at the mortgage dinner table

Contributors, Mortgage, Non-QM, Opinion, Origination, Refinancing /

The non-qualified mortgage market has experienced significant growth since its introduction nearly a decade ago. 10 years in, credit ratings agencies regularly release performance metrics for investors, which provide remarkable insight into this extremely versatile asset class. In a recent default study on non-QM performance over the years, for example, KBRA analysts note that non-QM

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