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Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Home prices effectively decline as inflation outpaces growth: Realtor.com

Agency lock share slips as non-QM gains ground in June

Agency mortgage locks slip as non-QM gains ground in June

Purchase and refinance activity rose annually in June as rates remained high and loan amounts neared record levels

A ‘case for raising’ rates was made at June Fed meeting, minutes show

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

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Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

Fed’s Waller signals support for reduced forward guidance

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

Consumer inflation concerns climb in June, NY Fed survey shows

About 1 in 10 U.S. homes sit vacant, according to a LendingTree study.

About 1 in 10 U.S. homes sit vacant: LendingTree

Having a Mentor Matters No Matter the Skill Level

Mortgage

Real Estate

Monetary Policy

Agency mortgage locks slip as non-QM gains ground in June

Home prices effectively decline as inflation outpaces growth: Realtor.com

A ‘case for raising’ rates was made at June Fed meeting, minutes show

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

Consumer inflation concerns climb in June, NY Fed survey shows

Fed’s Waller signals support for reduced forward guidance

New Fed chair could be bad news for mortgage rates

Soft jobs report shifts outlook for Fed policy path

MORE ▸

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

Consumer inflation concerns climb in June, NY Fed survey shows

Fed’s Waller signals support for reduced forward guidance

New Fed chair could be bad news for mortgage rates

Soft jobs report shifts outlook for Fed policy path

MORE ▸

Data & Analysis

The multifamily market is splitting between oversupplied Class A apartments and more resilient Class B and C properties.

Multifamily vacancies rise as construction boom unwinds

Soft jobs report shifts outlook for Fed policy path

A pullback in hiring at hotels and restaurants underscores fragility of lopsided U.S. labor market

Construction spending shows monthly gains, but remains below last year’s levels

A slowdown in building houses and multifamily properties adds to the woes of the construction industry

About 1 in 10 U.S. homes sit vacant: LendingTree

Roughly 14.5 million homes are vacant. Fewer than 800,000 are listed for sale.

Investment Properties

Fix-and-flip profitability relies on price spread, new analysis finds

Returns vary widely across metros, according to first-quarter data review from Attom and Backflip

North American trade agreement in jeopardy, possibly slowing industrial sector growth

Housing bill tweaks unlikely to dent single-family home investor activity

With the 21st Century ROAD to Housing Act nearing the finish line, experts say it will do little to curb investor appetite

Single-family rent growth remains subdued in April

Regional trends continue to drive performance amid post-pandemic shifts: Cotality

Contributing Authors

New strategies reshaping how lenders expand housing access

After restrictions on special purpose credit programs, local housing partnerships help lenders empower future homeowners

Mark McArdle

Inclusive approach benefits buyers, but also strengthens competitive advantage

Tai Christensen

Home equity can help some borrowers strengthen retirement plans starting at 55

Steve Resch

How to become a loan originator without a banking background

Jesse Kennedy

Bridge financing’s beneficial role in repeat-buyer transactions

Tushar Garg

How VA entitlement shapes veteran borrowing power

Marty Medve

The hidden psychology inside every loan request

Shane Pierson

Multifamily resilience holds firm despite market softening

Troy Marek

Originators taking focused approach to win VA business, outlast rate cycles

Ameer Katifi

States are stepping up to solve America’s housing shortage

Arthur Gailes

Fractional ownership changes the real estate investment equation

Kirill Bensonoff

Prepurchase automation helps lenders stay ready for growth

Gregg Lehman

DSCR lending is surging. Not all of it is a win.

JJ Lunsford

Private Lending

Home flippers see first rise in profit margins in two years

Blockchain blockbuster: Top execs tout Figure-Kiavi deal

Meet Scotsman Guide’s 2026 Top Mortgage Lenders

Pennymac puts the pieces together to lead the way

Price declines, demand uncertainty muddy outlook for fix-and-flip investors

Regional divides emerge as flippers in Texas and Florida face supply-side competition and price softening

Renovation lending lingering bright spot in dour home building outlook

Slow demand, trade uncertainty and shifting capital fuel market in flux

Home seller profit margins sink to five-year low

But after years of outsized returns, sellers still cashed in big during the first quarter

Meet Scotsman Guide’s 2026 Top Originators

For the first time ever, Scotsman Guide added Top Private Originators to our gold-standard rankings for top residential mortgage originators

White House misses mark on Wall Street’s backing of single-family home investors

Industry revolt over Senate housing bill underscores how billion-dollar firms actually compete with first-time homebuyers

Non-QM

Non-QM delinquencies ease in March on seasonal drivers

Non-QM sector stabilizes in March amid deteriorating delinquency outlooks

Non-QM, FHA channels power March mortgage lock volumes

Warnings flash in the low-doc, low credit score, high-LTV corner of non-QM lending

Non-QM loan performance seen as ‘rapidly deteriorating’ in February

Lenders dip their toes in crypto-backed mortgages, but eye deeper pools of digital reserves

Volatile mortgage market underscores non-agency strength

Volatile spring housing market underscores non-agency opportunities

Volatility ripples through non-QM sector as loan performance wobbles

Purchase mortgage activity holds ground in April

Fitch flags mounting non-QM delinquencies in sign of ‘collateral deterioration’

Agency mortgage locks slip as non-QM gains ground in June

Purchase and refinance activity rose annually in June as rates remained high and loan amounts neared record levels

Government-Sponsored Enterprises

Legislation

Government Loans

Technology

Investment Properties

Market Trends

Wholesale

Servicing

✉️ Newsletter

Start your day with our email newsletter, The Originator, to receive the latest news, insights and data from all of your favorite mortgage professionals.

Begin Tablet Layout

Agency mortgage locks slip as non-QM gains ground in June

Purchase and refinance activity rose annually in June as rates remained high and loan amounts neared record levels

A ‘case for raising’ rates was made at June Fed meeting, minutes show

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

Multifamily vacancies rise as construction boom unwinds

Fed’s Waller signals support for reduced forward guidance

Home builders brace for labor impact as Supreme Court backs TPS terminations

The Myth of AI Madness: Practical Playbook for Commercial Lenders

Asset-Based Lending in Commercial Real Estate: Why Ongoing Education Is No Longer Optional

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Home prices effectively decline as inflation outpaces growth: Realtor.com

A ‘case for raising’ rates was made at June Fed meeting, minutes show

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

Consumer inflation concerns climb in June, NY Fed survey shows

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Mortgage

Agency mortgage locks slip as non-QM gains ground in June

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

MORE ▸

Real Estate

Home prices effectively decline as inflation outpaces growth: Realtor.com

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

MORE ▸

Monetary Policy

A ‘case for raising’ rates was made at June Fed meeting, minutes show

Consumer inflation concerns climb in June, NY Fed survey shows

Fed’s Waller signals support for reduced forward guidance

New Fed chair could be bad news for mortgage rates

Soft jobs report shifts outlook for Fed policy path

MORE ▸

Data & Analysis

Multifamily vacancies rise as construction boom unwinds

Soft jobs report shifts outlook for Fed policy path

A pullback in hiring at hotels and restaurants underscores fragility of lopsided U.S. labor market

About 1 in 10 U.S. homes sit vacant: LendingTree

Construction spending shows monthly gains, but remains below last year’s levels

A slowdown in building houses and multifamily properties adds to the woes of the construction industry

Investment Properties

Fix-and-flip profitability relies on price spread, new analysis finds

Returns vary widely across metros, according to first-quarter data review from Attom and Backflip

North American trade agreement in jeopardy, possibly slowing industrial sector growth

Housing bill tweaks unlikely to dent single-family home investor activity

With the 21st Century ROAD to Housing Act nearing the finish line, experts say it will do little to curb investor appetite

Single-family rent growth remains subdued in April

Regional trends continue to drive performance amid post-pandemic shifts: Cotality

Contributing Authors

New strategies reshaping how lenders expand housing access

After restrictions on special purpose credit programs, local housing partnerships help lenders empower future homeowners

Mark McArdle

Inclusive approach benefits buyers, but also strengthens competitive advantage

Tai Christensen

Home equity can help some borrowers strengthen retirement plans starting at 55

Steve Resch

How to become a loan originator without a banking background

Jesse Kennedy

Bridge financing’s beneficial role in repeat-buyer transactions

Tushar Garg

How VA entitlement shapes veteran borrowing power

Marty Medve

The hidden psychology inside every loan request

Shane Pierson

Multifamily resilience holds firm despite market softening

Troy Marek

Originators taking focused approach to win VA business, outlast rate cycles

Ameer Katifi

States are stepping up to solve America’s housing shortage

Arthur Gailes

Fractional ownership changes the real estate investment equation

Kirill Bensonoff

Prepurchase automation helps lenders stay ready for growth

Gregg Lehman

DSCR lending is surging. Not all of it is a win.

JJ Lunsford

Private Lending

Home flippers see first rise in profit margins in two years

Renovation lending lingering bright spot in dour home building outlook

Slow demand, trade uncertainty and shifting capital fuel market in flux

Blockchain blockbuster: Top execs tout Figure-Kiavi deal

Meet Scotsman Guide’s 2026 Top Mortgage Lenders

Pennymac puts the pieces together to lead the way

Price declines, demand uncertainty muddy outlook for fix-and-flip investors

Regional divides emerge as flippers in Texas and Florida face supply-side competition and price softening

Homeowners increasingly turn to ‘buy now, pay later’ to manage budgets

BNPL has become a financial lifeline for homeowners managing tight budgets and liquidity shocks — though it comes with risks

Midwest emerges as rental cash cow in barren market for real estate investors

As investor margins tighten, wage growth and home price gains are under scrutiny

‘Unpredictable’ housing market drives need for hybrid investor strategies

With home flipping profits shrinking and rental performance softening, savvy investors are keeping their exit strategies open

Real estate investors report mixed outlook for acquisitions in 2026

Twice as many fix-and-flippers than rental investors expect investment conditions to improve in 2026, revealing a widening confidence gap

Non-QM

CFPB flags immigration status as potential factor in repayment risk

Mortgage credit availability rises on refinance, jumbo demand in January

Credit weakness builds across non-QM sector in 2025

November’s steep rise in non-QM loan impairments persists into December

Agency mortgage locks slip as non-QM gains ground in June

Purchase and refinance activity rose annually in June as rates remained high and loan amounts neared record levels

Non-QM delinquencies ease in March on seasonal drivers

Non-QM sector stabilizes in March amid deteriorating delinquency outlooks

Non-QM, FHA channels power March mortgage lock volumes

Warnings flash in the low-doc, low credit score, high-LTV corner of non-QM lending

Non-QM loan performance seen as ‘rapidly deteriorating’ in February

Lenders dip their toes in crypto-backed mortgages, but eye deeper pools of digital reserves

Company News

Scotsman Guide salutes the Top Veteran Originators who collectively closed $8.3 billion in total loan volume across 19,988 units last year.

Meet Scotsman Guide’s 2026 Top Veteran Originators

Eric Souza

Scotsman Guide pays tribute to the armed forces veterans who continue to serve the American public on the home front

Power Moves: Sagent, NAAHL, Veterans United and others make notable additions

TWO shareholders approve CrossCountry deal, concluding lengthy merger saga

Industry Watch: MBA, Better, FICO, Optimal Blue and others make notable announcements in June

Critics of credit report costs blast Equifax after bureau defends tri-merge reporting

Regulation and Compliance

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Agency mortgage locks slip as non-QM gains ground in June

Home prices effectively decline as inflation outpaces growth: Realtor.com

The listings platform sees a housing market ‘inching forward as sellers reset expectations’

A ‘case for raising’ rates was made at June Fed meeting, minutes show

The word ‘inflation’ appears 57 times in the FOMC minutes

Government-Sponsored Enterprises

Legislation

Government Loans

Technology

Investment Properties

Market Trends

Wholesale

Servicing

✉️

Daily News Straight To Your Inbox

Start your day with our email newsletter, The Originator, to receive the latest news, insights and data from all of your favorite mortgage professionals.

Begin Mobile Layout

A ‘case for raising’ rates was made at June Fed meeting, minutes show

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

Consumer inflation concerns climb in June, NY Fed survey shows

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

Fed’s Waller signals support for reduced forward guidance

Home builders brace for labor impact as Supreme Court backs TPS terminations

Consumer inflation concerns climb in June, NY Fed survey shows

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Multifamily vacancies rise as construction boom unwinds

Power Moves: Sagent, NAAHL, Veterans United and others make notable additions

Agency mortgage locks slip as non-QM gains ground in June

Purchase and refinance activity rose annually in June as rates remained high and loan amounts neared record levels

Basel III proposals could fuel further nonbank dominance instead of banks’ mortgage comeback

Home prices effectively decline as inflation outpaces growth: Realtor.com

A ‘case for raising’ rates was made at June Fed meeting, minutes show

CRE sector offers targeted opportunities, but broad-based expansion unlikely in 2026: BBG

Mortgage applications wither in July 4th heat wave

FICO and VantageScore release competing analyses following Fannie and Freddie data drop

Gen Z’s share of purchase rate locks hits record high in ‘generational handoff’

Consumer inflation concerns climb in June, NY Fed survey shows

About 1 in 10 U.S. homes sit vacant: LendingTree

Foreclosure ‘normalization’ concentrates in Rust Belt, Mid-Atlantic markets

Power Moves: Sagent, NAAHL, Veterans United and others make notable additions

Multifamily vacancies rise as construction boom unwinds

Fed’s Waller signals support for reduced forward guidance

Home builders brace for labor impact as Supreme Court backs TPS terminations

Daily News Straight To Your Inbox

Start your day with our email newsletter, The Originator, to receive the latest news, insights and data from all of your favorite mortgage professionals.