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In this conversation, see Shelly and Sasha break down the company's latest product moves—from intelligent Verification to the groundbreaking FICO Score Simulator. A smarter future for lending. In this episode, hear from Shelly and Sasha of Xactus as they break down the company's latest product moves—from Intelligent Ve
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- Aug 14, 2026earliest in window
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News
DSCR loan volume surges despite fraud risks and scrutiny
8+ hour, 19+ min ago (1033+ words) DSCR and investor loan lock volume skyrocketed 130% between January 2022 and August 2026, becoming the primary growth engine for the non-QM market. The loan's structure makes it uniquely vulnerable to bad actors, with fraud risk indicators now firing on 1 in 44 investment property…...
CrossCountry Mortgage lifts internal conforming loan limit to $845K
2+ day, 11+ hour ago (430+ words) CrossCountry Mortgage increased its internal conforming loan limit to $845,000 through an Early Bird program, getting ahead of FHFA’s official 2027 announcement. AI Summary CrossCountry Mortgage (CCM) has raised its conforming loan limit to $845,000 through an “Early Bird” program announced Thursday, moving…...
How VantageScore 4.0 impacts GSE mortgage pricing
2+ day, 11+ hour ago (823+ words) Fannie Mae and Freddie Mac released official LLPA grids for Classic FICO and VantageScore 4.0 as FHFA opened VantageScore delivery to all lenders. The GSEs apply VantageScore pricing at a bucket that's 20 points higher than FICO, and third-party analyses find borrower…...
Rocket raises conforming loan limit to $845,000
2+ day, 18+ hour ago (305+ words) Rocket Mortgage raised its conforming loan limit to $845,000 for 1-unit homes in 48 states, effective immediately across retail and Rocket Pro. The new cap is 1.47% above the current 2026 limit of $832,750, and Rocket set $1,267,500 for Alaska and Hawaii ahead of FHFA’s November…...
Mortgage credit availability fell 1% in August
2+ day, 16+ hour ago (323+ words) MBA’s Mortgage Credit Availability Index fell 1% in August to a reading of 107.3, signaling tighter lending standards. The conventional index dropped 1.8% and jumbo availability fell 2.5%, while government loan availability was unchanged. AI Summary Mortgage credit availability declined in August as lenders…...
The HomeSafe Portfolio: Solutions for changing borrower needs
4+ day, 14+ hour ago (159+ words) Homeowners don’t stop needing financing after they purchase a home or refinance. As they build equity and enter new stages of homeownership, their financial needs shift from buying and refinancing to renovating, supporting family members, purchasing later in life or…...
Scale Profitably in Mortgage Lending, Test Unit Economics
3+ day, 13+ hour ago (1586+ words) With rates back above 7%, lenders cannot rely on volume relief. MBA IMB data shows profitability hinges on execution and unit cost, with Q2 2026 top vs bottom quintile costs of 7,340 vs 13,690 per loan. AI Summary When our first article ran two weeks…...
UWM drops high-balance LLPAs, extends Bullseye 90 pricing
3+ day, 15+ hour ago (355+ words) UWM is removing LLPAs on high-balance fixed-rate purchase and rate-and-term refinance loans through Oct. 30. The lender also extended Bullseye 90 through Oct. 30 and expanded the incentive to eligible jumbo loans. AI Summary United Wholesale Mortgage (UWM) announced on Wednesday that it…...
Mortgage rate locks fell 9% in August, Optimal Blue reports
4+ day, 14+ hour ago (830+ words) Optimal Blue reported August 2026 lock volume fell 9% month over month and 3% year over year as rates held steady. Purchases were 81% of volume, while rate-and-term refis fell 47% year over year. AI Summary Mortgage activity weakened in August even as mortgage rates…...
Former Better executive Chad Smith named Envoy Mortgage CEO
6+ day, 6+ hour ago (448+ words) PLACE has appointed former Better.com executive Chad Smith as CEO of Envoy Mortgage and president of PLACE’s mortgage and financial services division. Envoy, which had been led by President Jesse Passafiume without a CEO, is expanding through its acquisition…...