Ricky Vasquez, Author at Loanstar Mortgage

Next Competitive Advantage is the Mortgage Operating Model

Mortgage leaders have moved beyond debating whether to adopt AI. As tools become commonplace, the greater challenge is connecting technology, data and workflows across the enterprise so intelligence can translate into measurable business value. That shift requires lenders to reconsider not only their tech stacks, but the operating models that govern how work moves from […]

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Housing demand has slowed, but still stable for now

Uncategorized / Ricky Vasquez

Higher mortgage rates have tended to slow housing data over the past few years and that has been the case in 2026. But this year has been a bit more orderly since mortgage rates haven’t broken over 7%, and last week was another example of that. As always with my work, I believe mortgage rates

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The WSJ is wrong about FHA loans and nonbanks, and they know it

Uncategorized / Ricky Vasquez

What does the Wall Street Journal have against nonbanks? That was my first thought when I read the Journal’s recent op-ed: UWM is a government mortgage canary. The op-ed used UWM’s announcement of a $2.05 billion strategic capital partnership to warn against the “riskier” mortgage loans originated by nonbanks. In a rebuttal letter to the

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Author name: Ricky Vasquez

Next Competitive Advantage is the Mortgage Operating Model

Housing demand has slowed, but still stable for now

The WSJ is wrong about FHA loans and nonbanks, and they know it