IndiSoft’s Camillo Melchiorre says servicers used to view AI as an operational efficiency play. But as these models become more deeply integrated into consumer-facing operations, investors and regulators have concluded the era of the unmonitored “black box” is officially over.
Tag: op-ed
Servicers That Have Earned Borrower Trust Can’t Afford to Lose It Now
CLARIFIRE’s Jane Mason says if JD Power’s most recent Mortgage Servicer Satisfaction Study is accurate, “there’s a lot for the industry to feel good about.”
MBA Premier Member Editorial: Who Pays When the AI Is Wrong?
Tavant’s Sandeep Shivam examines the financial backstop question mortgage leaders are avoiding.
Americans Are Tapping Home Equity Quickly. What Does It Say About Today’s Homeowner?
Money Management International’s Helene Raynaud says rising home values give American homeowners an extraordinary financial cushion. “Increasingly, they are turning that cushion into cash.”
MBA NewsLink Q&A: Asurity’s Karol Villavicencio Discusses the Mortgage Compliance Dataset
MBA NewsLink interviewed Karol Villavicencio from Asurity about MISMO’s Mortgage Compliance Dataset. Villavicencio received an MBA NewsLink Tech All-Star Award in 2024.
The Overlooked Case for Manufactured Housing Finance
America’s housing affordability crisis has created a simple but increasingly urgent question for mortgage lenders: Where will the next generation of homeowners come from? As the median price of an existing home has climbed nearly 50% since 2019, a growing share of buyers are finding that traditional site-built homes are simply out of reach. Manufactured housing, which often costs roughly one-third as much, could fill this gap.
Why Foreclosure and Bankruptcy Timelines Are Still a Data Problem
NetDirector’s Melissa McCabe says there’s never been a shortage of challenges in default servicing, “and there’s one brewing right now–the rising delinquency rate for FHA loans.”
Older, Wiser, Wealthier and Still at Home: Meet America’s Shadow Homeowners
First American Senior Economist Sam Williamson says some of tomorrow’s homeowners are already here. “They just haven’t moved out yet.”
Premier Member Editorial–Beyond the Note: How Modern Data Empowers Sustainable Homeownership
Equifax’s Jesse Hardin says a deeper understanding of a borrower’s complete financial picture is the key to navigating today’s housing landscape.
The Investors Who Will Win Next Aren’t the Biggest – They’re the Most Adaptable
Genstone’s Bryan Lysikowski says many of the investors he speaks with remain as active as they were several years ago. “What has changed is not their appetite to invest, but the environment and the level of precision now required to generate attractive returns.”