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Deep Dives & Evergreen Content
Comprehensive reports, strategic frameworks, and industry analysis built for long-term value.
Market Pulse & Quick Takes
Rapid reactions to breaking news, regulatory updates, and market shifts that impact your business today.
Latest Deep Dives
Evergreen Content
The Standard Changed. Your Accountability Didn't.
As of July 21, ECOA's disparate-impact 'effects test' is gone. For a residential mortgage book, most of that accountability didn't disappear — it moved to the FHA, the states, and private plaintiffs. What actually changed, what didn't, and the five things to do now.
Stephen Schrump
July 21, 2026
65 Out of 100 Loans Now Fall Out. The Real Cost Is Hiding in Your P&L.
In 2020, 65 of 100 applications closed. Today it's 35 — and most lenders are measuring the cost wrong. The true cost of fallout, the two-bucket framework, and how to move verification upstream before you spend a dime.
Stephen Schrump
June 29, 2026
AI Fraud in Mortgage Lending: Why Rules Beat Guardrails
AI-generated fraud is accelerating—synthetic identities, deepfake pay stubs, fabricated bank statements. If your fraud detection is AI-based, it can be fooled by AI. Here's why source-level, deterministic verification is the only durable defense.
Stephen Schrump
May 13, 2026
The Recapture Gap: What Rocket's 54% Tells You About Your AI Strategy
Rocket just recaptured 54% of its refi volume from its own servicing book—nearly 3x the industry average—in a brutal rate environment. That's not a market outcome. It's a technology outcome, and it has a P&L attached to it.
Stephen Schrump
May 12, 2026
Why 62% of Lenders Still Haven't Adopted AI — And What the Early Movers Got Right
A November 2025 STRATMOR survey found only 38% of mortgage lenders use any form of AI. That's not ignorance—it's four structural barriers nobody talks about honestly. Here's what the early movers understood that the first wave of mortgagetech didn't.
Stephen Schrump
May 6, 2026
The August 6 Deadline: What Fannie Mae's AI Rules Actually Require
Most lenders haven't read the mandate. Here's what Fannie Mae's LL-2026-04 and Freddie Mac's Section 1302.8 actually say—and the 8 things you need to do before the clock runs out.
Stephen Schrump
April 30, 2026
Recent Pulse Updates
The Fair-Lending 'Effects Test' Is Gone. Most of Your Exposure Isn't.
As of July 21, ECOA's disparate-impact 'effects test' is gone — but for a mortgage book, most of the exposure just fragmented across the FHA, the states, and a pending lawsuit. What actually survived, and the one posture that holds.
65 of 100 Loans Fall Out — And You're Paying for the Bad Ones Twice
65 of 100 applications now fall out — and most lenders pay for the bad ones twice. The $1,610 hiding in every dead file, and the five checks your credit report will never run.
100X Your Business — or Watch Someone Else Do It
Cloudflare cut 1,100 people while growing 30%. ClickUp cut 22% then introduced $1M salary bands. Neither is a layoff story—it's an alpha signal about how the value of a role is being redefined.
Your AI Feed Is Lying to You
If your impression of AI in 2026 is mostly deepfakes, job losses, and bubble talk, your feed has a curation problem—not an information problem. Researchers found 91.2% of AI headlines actually carry positive sentiment. Here's what the data says.
Google Gemini Just Became a Fraud Tool
In India, four men used the free version of Gemini to deepfake their way past Aadhaar—the world's largest biometric ID system—and take out loans in someone else's name. It's not a risk paper. It's a police report. Four questions every lender should be asking.
97 Days: The AI Governance Deadline Most Lenders Are Missing
Fannie Mae's AI governance mandate takes effect August 6. Freddie Mac's has been live since March 3. Both cover any AI touching a loan—including your vendors'. Here's the 8-step checklist and the disclosure test the GSE will run.