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Risk management

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 Processing Content Instead, they emerge from overlooked controls, fragmented oversight, and outdated […]

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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

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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

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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

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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

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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

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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. Processing Content 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

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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

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Non QM securitization broke records in 3Q: Morningstar

Originations, Risk management, RMBS, Secondary markets /

New securitizations of loans made outside the qualified mortgage definition set multiple records in the third quarter, according to a recent Morningstar DBRS report. The study, which analyzes data from CreditFlow, shows issuance of non-QM residential mortgage-backed securities climbed to $20.9 billion in the third quarter from $10.6 billion during the same period a year

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CFPB’s cybersecurity program ‘no longer effective:’ OIG says

CFPB’s cybersecurity program ‘no longer effective:’ OIG says

CFPB News & Analysis, Consumer banking, Cyber security, Risk management /

Samuel Corum/Bloomberg What’s at stake: The CFPB uses outdated software and has no strategy for responding to cybersecurity risks, the report found. Supporting Data: The CFPB’s information security program experienced a rapid drop in effectiveness — from a level 4 in fiscal year 2024 to a level 2 rating in fiscal year 2025. Forward Look:

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