by Eric J. Ellman | Sep 14, 2026
In August 2026, Pew issued a report, Mortgage Lending Standards Are Too Tight. According to the report, Mortgage lending standards have remained tight overall since 2013. Although borrowers now take on more debt as a share of their income than ever before, they must...
by Eric J. Ellman | Sep 11, 2026
National Mortgage Professional FHFA Studies Credit-Report Changes To Cut Mortgage Costs Sept. 10, 2026 By Czarinna Andres Managing Editor Pulte’s comments could signal either fewer bureau reports or a portable report borrowers could share among lenders, but FHFA has...
by Eric J. Ellman | Sep 9, 2026
Right before Labor Day weekend, FHFA Director Bill Pulte took to X to make a series of posts of interest and concern to the mortgage reporting industry. The five posts on Thursday night, September 3, 2026, and Friday morning, September 4, break down into three...
by Eric J. Ellman | Aug 31, 2026
As reported in Housing Wire, FHA expected to keep Classic FICO as it adds new models in January (Aug. 28. 2026), “FHA is expected to allow lenders to deliver VantageScore 4.0, FICO 10T or Classic FICO for case files dated on or after Jan. 1, 2027.” The...
by Eric J. Ellman | Jul 13, 2026
MBA findings add pressure on tri-merge status quo By Bonnie Sinnock, July 10, 2026, 3:53 p.m. EDT A switch from the industry’s standard tri-merge to a single-credit file could be done in such a way that loan-level price adjustment variations would be within...
