Where American mortgage brokers, lenders, and underwriters come for news on wholesale lending, Non-QM, commercial lending, and Federal Reserve rate decisions.
Colorado
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Austin Niemiec of Rocket Pro says brokers who focus on the factors they can control are finding opportunities despite elevated rates, while lenders are introducing new programs designed to support growth and retention.
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Craig Riddell of LoanLogics says some homeowners are turning to HELOCs and home equity loans with the expectation that rates will fall, creating risks if borrowing costs remain elevated longer than anticipated.
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Joel Kan, vice president and deputy chief economist at the Mortgage Bankers Association, says higher rates are dampening both refinance and purchase activity, with first-time and FHA borrowers feeling the pressure most.
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Charles Goodwin, VP and head of bridge and DSCR lending at Kiavi, says growing lender participation is driving sharper pricing, increased product competition, and greater focus on customer experience as investor demand remains strong.
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Jacy Bloom, owner and mortgage broker at Bloom Mortgage Solutions, says some non-QM products are now pricing below conventional loans, helping certain borrowers secure better terms despite rising mortgage rates.
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Erin Wester, chief product officer at Optimal Blue, says brokers who embrace AI, automation, and data-driven insights can improve efficiency, reduce friction in the lending process, and compete more effectively in a challenging market.
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Bill Pulte of the FHFA is expected to announce a bi-merge credit reporting requirement for Fannie Mae and Freddie Mac, a move supporters say could lower costs for mortgage borrowers.
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Nate Zielinski of RCN Capital explores how selective borrower and property screening, complete documentation, and sound deal metrics can help brokers build trust with investors and lenders.
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Michael Brenning, chief operating officer at eLend, says rapid swings in Treasury yields are forcing lenders to reprice multiple times a day, disrupting rate locks, increasing operational pressure, and adding another layer of uncertainty for borrowers.
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Bill Pulte of the FHFA is reportedly preparing to ease credit reporting requirements for loans sold to Fannie Mae and Freddie Mac, while broader discussions continue around competition, portability, and the future role of traditional credit scores.
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Mike Fratantoni, senior vice president and chief economist at Mortgage Bankers Association, says softer-than-expected job growth and moderating wage gains may be enough to keep the Federal Reserve from raising rates at its October meeting.
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John Hardesty, chief revenue officer at Argyle, says direct-source verification technology is helping lenders and brokers lower verification costs, reduce fraud risk, and accelerate the mortgage approval process.
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Michael Brenning, chief operating officer at eLend, says rapid swings in Treasury yields are forcing lenders to reprice loans multiple times a day, adding complexity to rate locks, margins, and borrower affordability.
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Desmond P. Smith of United Wholesale Mortgage (UWM), says growing adoption of VantageScore is helping brokers qualify more borrowers and potentially secure better pricing outcomes through expanded credit scoring option
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A new analysis from Zillow found that newly built homes are selling for a lower median price per square foot than existing homes nationwide, driven largely by increased inventory and builder incentives in key Sun Belt markets.
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A new report from Clever Real Estate found that home prices in all 50 of the largest US metro areas exceeded inflation between 2011 and 2026, with Miami leading the way at nearly 344% growth.
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Mortgage application volume fell 6% in the week ending September 25, as the 30-year fixed rate surged to its highest level in nearly three years, according to the Mortgage Bankers Association (MBA).
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David Russell of TradeStation says a softer-than-expected core PCE reading supports the case against an October rate hike, though recent data revisions make it difficult to assess how much of the slowdown reflects genuine disinflation.
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Lisa Cook of the Federal Reserve says AI-driven investment demand, rising energy costs and persistent inflation pressures could delay a return to the Fed's 2% inflation target, reinforcing the possibility of an extended higher-rate environment.
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Albert Gahfi of Bizcap US and Rebecca del Rio of Bizcap say businesses are increasingly seeking flexible working capital solutions, faster approvals, and technology-driven funding.
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#CommercialFinance #BusinessFunding #SMBFinance #FinanceInnovation
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