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FHFA

+3

No Exam, Big Checks for Agent-LOs & Pulte's Spaghetti Wall

Nov 12, 2025

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13 min read

No Exam, Big Checks for Agent-LOs & Pulte's Spaghetti Wall

How dual licensing is playing out, portable mortgages somehow are in play for GSEs, more lender M&A deals, bad news for the CFPB & more

James Kleimann
James Kleimann

Freddie Mac

+2

It’s 2076. I Just Paid Off My Mortgage

Nov 10, 2025

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14 min read

It’s 2076. I Just Paid Off My Mortgage

What to make of Trump's 50-year mortgage proposal, GSEs to remain in conservatorship, Blend turns its nose up at smaller IMBs & more

James Kleimann
James Kleimann

Servicing

+4

The Math Behind UWM’s AI-Servicing Play

Nov 7, 2025

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13 min read

The Math Behind UWM’s AI-Servicing Play

UWM's AI voice agent Mia is already delivering big returns, a fun theory on Fannie's big DU change, Rocket's old-but-new servicing platform & more

James Kleimann
James Kleimann

Lower

Big Bites & Slow Chews at Lower

Nov 5, 2025

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12 min read

Big Bites & Slow Chews at Lower

Acquisitive Lower is fusing many big strategies all at once, rumored changes to LLPAs a real bummer for industry, a twist on a classic down payment scam & more

James Kleimann
James Kleimann

Rocket Companies

+3

ICE Bets on ICE & Zillow Bets on Mortgage Discounts

Nov 3, 2025

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13 min read

ICE Bets on ICE & Zillow Bets on Mortgage Discounts

How ICE is integrating AI into Encompass & MSP, Zillow's mortgage discount play, what's pissing off LOs & more

James Kleimann
James Kleimann

Rocket Companies

+3

The Broker World's Messiest Breakup & Rocket's Scary Potential

Oct 31, 2025

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14 min read

The Broker World's Messiest Breakup & Rocket's Scary Potential

AIME, UWM & Katie Sweeney throw down — plus Rocket's early wins post-M&A spree, the hidden risk in letting lenders pick the higher credit score & more

James Kleimann
James Kleimann

optimal blue

+3

Unpacking the Mortgage Cadence Sale & DSCR Bedlam in B'more

Oct 29, 2025

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11 min read

Unpacking the Mortgage Cadence Sale & DSCR Bedlam in B'more

OB's response to the 'cartel' lawsuit, "liberated" from Accenture, plus: ignoring red flags in Charm City

James Kleimann
James Kleimann

Refi

Bad Actor Whack-a-Mole & the Lead Gravedigger

Oct 27, 2025

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12 min read

Bad Actor Whack-a-Mole & the Lead Gravedigger

Being shady is worth the risk to some. Plus, a new mortgage tech co. pitches a 77% profit margin on 'dead' leads & more

James Kleimann
James Kleimann

Mortgage broker

+2

Mortgage's Wild West & a Shakeup in the MI Space

Oct 24, 2025

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12 min read

Mortgage's Wild West & a Shakeup in the MI Space

Exposing questionable practices in the broker space, takeaways from AIME FUSE, Barry Habib running point on the LLPAs & more

James Kleimann
James Kleimann
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