Ask any mortgage operations leader where their teams lose the most time, and you will rarely hear “underwriting decisions” or “borrower conversations.” You will hear some version of “finding things.” A customer service representative toggles between systems to answer a single borrower question. A processor hunts through policy documents to confirm a procedure. An underwriter […]

For decades, the mortgage industry operated with a single credit model ingrained throughout the entire life cycle of a loan. Now, the industry is faced with new models designed with the intent to help the American borrower. While there is much discussion around the benefits and efficacy of the various credit models available today, the