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Articles about Credit Scores


Residential | September 2019 
Get a Complete Picture of Your Borrowers
In today’s increasingly competitive lending industry, bringing in additional loan applications to widen borrower pools is often easier said than done. With expanded financial data, that soon may chang...
By Steve Smith, CEO and co-founder, Finicity

Residential | August 2019 
Hit the High Score
One of the most misunderstood areas of mortgage lending is credit scoring. It’s also one of the most pivotal. By understanding the nuances of credit scoring, mortgage loan originators can offer good a...
By Rosa Mumm, product support manager, CreditXpert Inc.

Residential | June 2019 
Nonbank Lenders Are Building Momentum
Where borrowers go mortgage shopping increasingly determines if they will get financing. The median FICO score for bank borrowers was 745 in February 2019, according to research from the Urban I...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Residential | May 2019 
More Than A Mirage
Too often, the common wisdom tells us the underserved market is a vast mortgage wasteland, a place filled with delinquencies and foreclosures, an arena to be avoided. The better idea, it’s argued, is ...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Residential | May 2019 
These Clients Are Waiting to Be Seen
When it comes to mortgages, the credit score is still king. Unfortunately for some borrowers, it also can be the first stumbling block, since the FICO score can be the biggest deciding facto...
By Tom Gillen, senior vice president of capital markets, Churchill Mortgage

Residential | May 2019 
Nonprime Loans Can Expand the Client Pool
Definition ...
By Ryan Kelley, founder, The Home Loan Expert, LLC.

Commercial | March 2019 
Close More Loans by Becoming a FICO Master
FICO credit scores are used by most lenders to determine credit risk and the interest rate that borrowers will be charged. Your clients have three distinct FICO scores from each of the three credit bu...
By Lukas Bull, credit analyst, Prime Commercial Lending

Residential | March 2019 
Fringe Borrowers Deserve Another Look
Key Points An ocean of potential borrowers awaits ...
By Michael Sunnaa, vice president of production, Doorway Home Loans

Residential | February 2019 
Reliable Credit Scoring Is Vital for Homebuying
Key Points Evaluating an alternative credit-scoring model ...
By Joanne Gaskin, vice president of scores and analytics, FICO

Commercial | January 2019 
Hard Money Financing Can Be the Path of Least Resistance
American football is a rigid sport. It forces players to work within a structured environment that allows for very little freedom, especially for linemen, whose job is to block the attacking defense. ...
By David Knudson, president and co-founder, Gravity Capital LLC

Commercial | June 2018 
The Quest for a Common Digital Language
Much of the appeal of investing in commercial real estate is that it is a tangible asset. For many lenders, buyers and commercial mortgage brokers assessing multifamily properties, however, what is ev...
By Elliot Vermes, founder, redIQ

Residential | May 2018 
The Power of Being Prepared
As the real estate market and mortgage industries continue to evolve, it’s almost certain that the nature of the business will remain competitive. This creates a compelling reason for mortgage origina...
By Kerry Wirth, chief operating officer, Waterstone Mortgage Corp.

Residential | February 2018 
Uncloak the Financial Invisibles
Are you aware that more than 45 million adults in the United States have no credit score? It is not that these people have bad credit. They simply are not in the credit system. Many mortgage ori...
By Cullen Canazares, CEO and founder, Rental Kharma

Residential | January 2018 
Venture Out of the Credit Box
Just 0.64 percent of all home-purchase loans went to borrowers with credit scores below 600 this past October, according to Ellie Mae. Some 20 percent of consumers, however, had FICO credit scores bel...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Residential | June 2017 
Understanding Diverse Markets
A bank or mortgage company looking to increase its footprint in diverse mortgage markets should examine all aspects of the process that impacts lending performance. Some critical areas to re...
By L. Maria Vergara, president, NAHREP Consulting Services


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