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Refis revive mortgage market, but trouble’s brewing

Home equity loans, Originations, TransUnion /

Rates have dipped enough to stir refinancing and home-equity borrowing, but not enough to ease the strain on stretched homeowners. New industry data shows mortgage originations rising in the second quarter and home equity lending climbing for a fifth straight quarter, even as third-quarter delinquencies edged higher, signaling growing stress for some borrowers. Originations climbed […]

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TransUnion pushes back on single-pull mortgage credit proposal

Bob Broeksmit, credit report, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Origination, TransUnion /

Credit bureau TransUnion is pushing back against the idea of replacing the current tri-merge mortgage credit model with a single credit pull, arguing that the shift would increase systemic risk and restrict access to credit. The conclusion comes from a TransUnion study released during the Mortgage Bankers Association (MBA)’s Annual Convention and Expo, as the

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TransUnion cuts VantageScore 4.0 pricing for mortgage lenders

Credit Score, Equifax, Experian, FICO, HWmember, LendingLife, Mortgage, Origination, TransUnion /

Credit bureau TransUnion has followed its peers in slashing prices for mortgage lenders that purchase VantageScore 4.0, responding to Fair Isaac Corp. (FICO)’s newly implemented pricing model. Starting in 2026, TransUnion will offer VantageScore 4.0 for $4 per score and provide it at no cost to lenders that purchase a FICO score through the end

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Consumers are increasingly self-reporting rent payments, TransUnion says

Credit Score, FHFA, HWmember, Mortgage, Real Estate, Renters, TransUnion, VantageScore /

The number of consumers whose rent payments are reported to credit reporting agencies rose to 13% in 2025, according to TransUnion‘s latest Rent Payment Reporting analysis, released on Wednesday. That number is up from 11% in 2024. In a press release, the company suggested that this trend may gain momentum after the July 2025 directive

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TransUnion discloses cyberattack impacting 4.4M consumers

Credit, Cybersecurity, HWmember, Mortgage, Technology, TransUnion /

Credit bureau TransUnion disclosed Wednesday that a July cyberattack compromised the personal data of more than 4.4 million consumers, according to a filing with the Office of the Maine Attorney General. In a letter to affected customers, the company stressed that the breach did not involve its core systems or credit files. Instead, hackers gained

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TransUnion data breach affects 4.4 million

Cyber security, Data security, Technology, TransUnion /

TransUnion publicly disclosed on Thursday that a cyber incident last month impacted more than 4.4 million people in the U.S. The breach, discovered on July 30, stemmed from unauthorized access to a third-party application that occurred on July 28, TransUnion said in a filing with the Maine attorney general. The company said the unauthorized access

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Mortgage lenders see signs of 2025 originations growth

Home equity loans, Originations, TransUnion /

Mortgage lenders managed to increase origination volumes earlier in 2025 in a still-sluggish housing market at the same time home equity loans grew at their fastest pace in three years, according to Transunion.  Originations climbed up 5.1% on an annual basis in this year’s first quarter to just approximately 980,000 loans, according to the latest

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TransUnion: Mortgage, home equity lending grow despite high rates

Affordability, Debt, Home Equity, HWmember, Mortgage, Mortgage Rates, Refinancing, TransUnion /

Mortgage originations and home equity lending both increased in the second quarter despite elevated interest rates and home prices, according to TransUnion’s Q2 2025 Credit Industry Insights Report. Originations rose 5.1% year over year, driven largely by a rebound in refinancing. Rate-and-term refinances climbed 44% and cash-out refinances increased 15%. Home equity originations posted their

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‘Feelings-based recession’: More Americans fearful of finances

Affordability, Consumer confidence, Federal Reserve, Housing Market, HWmember, Inflation, Interest rates, Mortgage Rates, Tariffs, TransUnion /

A rising tide of financial pessimism is washing over U.S. consumers, driven by concerns about inflation, global instability and a lack of economic clarity. At the same time, a solid majority of Americans remain optimistic about their financial future, according to TransUnion’s Consumer Pulse Study for the second quarter of 2025. The result is a

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