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https://www.scotsmanguide.com/news/fannie-freddie-leaders-resisted-vantagescore-approval-in-2022/

Fannie, Freddie leaders resisted VantageScore approval in 2022 - Scotsman Guide Previous Fannie and Freddie leadership had reservations about single-pull reports and VantageScore’s credit scoring model, documents reveal.

Wondering why your borrowers credit isn't moving in the direction you hoped? Could be they're "Scorecard Hopping"..

Scorecard Hopping – Advantage Credit Scorecard Hopping February 4, 2026 by Mindy Leisure Director of Credit Education Each credit score model consists of multiple Scorecards that assess distinct aspects of an individual’s credit profile. The points assigned by these Scorecards collectively determine the overall credit score. Typicall...

Mortgage demand drops nearly 10% to end 2025, despite lower interest rates https://cnb.cx/3LiMAQs

Mortgage demand drops nearly 10% to end 2025, despite lower interest rates The Mortgage Bankers Association's seasonally adjusted index reported a 9.7% decline in total mortgage applications despite decreased mortgage rates.

Treasury Yield Curve Steepens as Long-Term Yields Rise After Fed Cuts

Treasury Yield Curve Steepens as Long-Term Yields Rise After Fed Cuts - The MortgagePoint According to a new report, despite 2025’s interest-rate cuts, rising long-term Treasury yields and inflation concerns have sharply steepened the yield curve, complicating the outlook for borrowing costs.

The A-Eye Test: AI- Generated Home Listing Photos Present Dilemma for Potential Buyers

The A-Eye Test: AI-Generated Home Listing Photos Present Dilemma for Potential Buyers - The MortgagePoint AI-generated photos online of listed homes for sale can mislead potential homebuyers by showing them what is real and what is not, according to Yahoo! Finance.

Innovations in reverse mortgage lending will drive growth in 2026

Innovations in reverse mortgage lending will drive growth in 2026 The reverse mortgage market is expected to grow in 2026 as lenders innovate with new offerings and adapt to the interest rate environment.

Cooling home prices to drive affordability in 2026

Cooling home prices to drive affordability in 2026: First American - Scotsman Guide Cooling home prices defined the housing market in 2025 — and are likely to help affordability further in 2026 as available inventory expands.

Experts Share 2026 Housing Market, Affordability Forecast

Experts Share 2026 Housing Market, Affordability Forecast - The MortgagePoint Matt Schulz, Chief Consumer Finance Analyst at LendingTree, shared his U.S. housing market predictions for the upcoming year, detailing the trajectory of home affordability, mortgage debt, delinquencies, potential rate drops, and more.

CFPB Finalizes Five Rule Adjustment to Allowable Dollar Thresholds

CFPB Finalizes Five Rule Adjustments to Allowable Dollar Thresholds - The MortgagePoint The Consumer Financial Protection Bureau said the new thresholds, which impact Regulations Z, M, and V, including HOEPA, qualified mortgages, appraisal exemptions, and credit report disclosure fees, will take effect on Jan. 1.

Gen Z Veterans Drive Sharp Rebound in VA Loan Activity

Gen Z Veterans Drive Sharp Rebound in VA Loan Activity - The MortgagePoint A new analysis from Veterans United Home Loans shows that the VA loan program rebounded nicely in Fiscal Year 2025, reversing last year's slowdown.

Housing Market Forecast Hints at More Balance, Inventory Recovery in 2026

Housing Market Forecast Hints at More Balance, Inventory Recovery in 2026 - The MortgagePoint Realtor.com data anticipates a more stable housing market next year, with slowing price growth, rate relief providing more breathing room, and a bump in negotiating power for buyers.