Researchers tracked 1.1 million permits from 2000 to 2025, showing approvals, not construction, drive much of the delay

BofA Securities sees $100B in securitization issuance after record $20.9B non-QM RMBS in Q3 2025

Mortgage technology is moving quickly toward a future in which artificial intelligence can read guidelines, analyze borrower data, calculate income, identify conditions and participate in increasingly consequential decisions. That progress is real. But underneath it sits a problem the industry has not solved nearly as well: When multiple legitimate sources describe the same borrower differently,