Mortgage defaults remain below pre-pandemic levels, but they’ve been edging up, especially among financially vulnerable homeowners. According to the September 2025 ICE Mortgage Monitor, foreclosure starts are up more than 7.6% year-over-year, and loans in active foreclosure have increased by 19,000 compared to last year.
Tag: Op-Ed
Premier Member Editorial: Prudent AI’s Jayendran GS on How Fannie Mae’s Tech Partnerships Signal a Market Transformation
The agency lending ecosystem is actively expanding to serve America’s growing self-employed workforce—and Fannie Mae’s strategic partnerships with leading technology vendors clearly signal the acceleration of this transformation.
Autoagent’s Steven Pals: Navigating CFPB Uncertainty, Compliance, Cost Pressures for Servicers
Rising loan servicing costs, tightening profit margins and persistent questions around regulatory oversight–particularly as the CFPB continues to shift toward a hands-off approach in many areas–have created a landscape where servicers must be agile, lean and resilient.
Autoagent’s Steven Pals: How Servicers Can Maintain Controls Amid CFPB Cutbacks
Steven Pals of Autoagent discusses what servicers should be thinking about in the current regulatory environment.
Autoagent’s Steven Pals on Why Mortgage Lenders Should Consider Direct Servicing
Direct servicing helps lenders reduce costs and maintain control and also positions them to respond swiftly to market dynamics, Autoagent’s Steven Pals writes.
Why Mortgage Servicers Should Embrace Plain Language–Messagepoint’s Patrick Kehoe
Borrower communications play a critical role in enabling consumers to manage their debt and make informed decisions when they are struggling to do so. Yet most servicing communications are filled with industry jargon and legal phrasing that can confuse readers.
Market Predictions for 2025 From First American’s Odeta Kushi
Will 2025 be the year the housing market moves closer to being ‘just right’? As with all things in economics, the answer is ‘it depends.’
First American’s Odeta Kushi: Market Predictions for 2025
Will 2025 be the year the housing market moves closer to being ‘just right’? As with all things in economics, the answer is ‘it depends.’
New Federal Guidelines for AVMs Elevate Bias Testing, Give Consumers a Stronger Voice–ICE’s Damien Weldon and John Holbrook
In today’s environment, it’s important to have a transparent, objective and credible valuation process to establish a value for a property that all parties can agree on–but also a way to challenge and test those value assessments when warranted.
New Federal Guidelines for AVMs Elevate Bias Testing, Give Consumers a Stronger Voice–ICE’s Damien Weldon and John Holbrook
In today’s environment, it’s important to have a transparent, objective and credible valuation process to establish a value for a property that all parties can agree on–but also a way to challenge and test those value assessments when warranted.