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The Mortgage Scoop
James Kleimann
James Kleimann
LOs, Have You Actually Read Your Contract? 👀

LOs, Have You Actually Read Your Contract? 👀

We review LO employment agreements at three of America's biggest lenders. Plus, Pulte's new political headache & UWM's peculiar return to profitability.

Nov 4, 2026

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6 min read

How Lenders Are Buying, Scrubbing & Chasing Leads With AI

How Lenders Are Buying, Scrubbing & Chasing Leads With AI

This special edition of The Mortgage Scoop is brought to you exclusively by Plaid.

Nov 3, 2026

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5 min read

CCM Goes After Ex-LOs. Plus, Are You Training Your AI Replacement?

CCM Goes After Ex-LOs. Plus, Are You Training Your AI Replacement?

CrossCountry sends cease-and-desists to former producers, while industry leaders are told to disguise job-killing AI as a helpful assistant.

Nov 2, 2026

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6 min read

Rocket Plays Offense. Pennymac Plays Defense. FICO Plays Netflix

Rocket Plays Offense. Pennymac Plays Defense. FICO Plays Netflix

Two mortgage giants, two very different playbooks for a brutal rate environment. Plus: Zillow's zero-down catch, FICO goes SaaS & more lender distress.

Oct 30, 2026

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5 min read

LOs on the Front Lines & Lenders for Sale

LOs on the Front Lines & Lenders for Sale

Originators deal w/ shrinking pipelines, pickier buyers, & more work upfront. Plus, two lenders in play & an $11,620 EPO from hell.

Oct 28, 2026

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5 min read

FICO Freezes Prices. But There's a Catch.

FICO Freezes Prices. But There's a Catch.

Fair Isaac's $10 deal has strings attached, the $9T servicing market keeps shifting & a new survey reveals why lenders hate their subservicers.

Oct 26, 2026

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6 min read

Fannie & Freddie just complicated your AI strategy

Fannie & Freddie just complicated your AI strategy

Two GSEs, two increasingly different AI rulebooks. Here's what lenders need to know. Plus, UWM's $80B servicing sale, Trump's watered-down EO & layoffs at a top-5 lender.

Oct 23, 2026

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5 min read

Trump Wants Cheaper Mortgages. Here's the Catch.

Trump Wants Cheaper Mortgages. Here's the Catch.

Draft executive order could save borrowers thousands on refis. Plus, more Better drama, an AI loan officer working overtime & a significant mortgage M&A deal.

Oct 21, 2026

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6 min read

83,000 LOs Washed Out. Who Gets Their Realtors?

83,000 LOs Washed Out. Who Gets Their Realtors?

Thousands of agents have lost their go-to originators, leaving $15B in buyer-side business up for grabs. Plus, mortgage economists dust off their crystal balls for '27.

Oct 19, 2026

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6 min read

Mortgage AI has a Proof Problem

Mortgage AI has a Proof Problem

Robots, AI hype & a reality check from Annual. Plus, GSE buybacks surge, a shakeup at Lower & one last bit of Chicago gossip.

Oct 16, 2026

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7 min read

Pulte Bails, Dealmakers Feast & MBA Parties On

Pulte Bails, Dealmakers Feast & MBA Parties On

Day Two of Annual: Credit reform rumors, mortgage tech deals, a wholesale acquisition, the layoffs nobody's talking about & surprisingly good vibes in Chicago.

Oct 12, 2026

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4 min read

Your Insider Guide to MBA Annual ‘26

Your Insider Guide to MBA Annual ‘26

The parties are stacked. The guest list is shrinking. We crunched three years of MBA Annual attendance data to see who’s in, who’s out & who’s switching teams. Plus, KP challenges the assumption that women draw smaller crowds.

Oct 11, 2026

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9 min read

Can mortgage AI solve the Carol problem?

Can mortgage AI solve the Carol problem?

Valon & Vesta rake in VC cash, PLACE builds its everything machine & the credit bureaus find a new way to mess w/ FICO.

Oct 9, 2026

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5 min read

What If Mortgage’s Flywheel Theory Is Bullshit?

What If Mortgage’s Flywheel Theory Is Bullshit?

Does owning servicing actually deliver the best return on capital? Karen Postiglioni explores. Plus, we’ve got the scoop on yet another wave of layoffs hitting the mortgage industry...

Oct 7, 2026

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6 min read

Mortgage is Sexy Now?

Mortgage is Sexy Now?

Silicon Valley thinks so. Plus, a senior mortgage exec says the UAD 3.6 waiver exposed a much bigger problem.

Oct 5, 2026

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6 min read

Who’s Laying Off In Mortgage Right Now

Who’s Laying Off In Mortgage Right Now

A fresh round of cuts is hitting lenders, banks & mortgage tech firms as the industry adjusts to weaker volume, automation & offshoring

Oct 2, 2026

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6 min read

How Rocket Is Using VantageScore to Its Advantage

How Rocket Is Using VantageScore to Its Advantage

The powerhouse is making VS4.0 its default, but the more interesting story is how it’s already using the model to find better execution for borrowers.

Sep 30, 2026

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7 min read

Mortgage's Moneyball Problem

Mortgage's Moneyball Problem

The industry loves volume. Karen Postiglioni asks whether we’re measuring what that production is *actually* worth.

Sep 28, 2026

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6 min read

My Mortgage May Be Delayed by a Loose Toilet

My Mortgage May Be Delayed by a Loose Toilet

I’m nearly clear-to-close on a $960K mortgage. First, the bank needs answers about my cleaning lady, babysitter & apparently the toilet.

Sep 25, 2026

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4 min read

Someone Is Spreading False Rumors About FICO Price Hikes 👀

Someone Is Spreading False Rumors About FICO Price Hikes 👀

The credit giant says the 9x rumor is bogus. Plus, UWM rethinks the underwriting job & HouseCanary files bankruptcy to collect $260M from Rocket.

Sep 24, 2026

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4 min read

Why 7% Mortgage Rates Aren’t the Real Problem

Why 7% Mortgage Rates Aren’t the Real Problem

We’re producing half as many loans, costs are higher and LO comp is still indexed to ever-larger balances.

Sep 23, 2026

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6 min read

Better’s CEO Bromance Ends in Corporate Warfare 💔

Better’s CEO Bromance Ends in Corporate Warfare 💔

Vishal Garg released texts with the ex-BFF who replaced him. Plus, AmeriTrust's $14M DSCR fraud case & fresh agency origination data.

Sep 21, 2026

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5 min read

We’re Starting a Podcast, a $13B Lender is for Sale & Mortgage has a Wedding

We’re Starting a Podcast, a $13B Lender is for Sale & Mortgage has a Wedding

The Scoop gets louder, Mutual of Omaha considers its next move, two industry execs tie the knot, Brian Vieaux is "nuts" & much more!

Sep 18, 2026

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6 min read

Nobody's coming to save mortgage rates

Nobody's coming to save mortgage rates

The Fed hiked. The GSEs aren’t riding to the rescue. Time to think harder about where the next borrower comes from.

Sep 16, 2026

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5 min read

Profitable, Tired & Ready to Sell?

Profitable, Tired & Ready to Sell?

Mortgage M&A is heating up as profitable but aging & undercapitalized lenders consider exits. These mid-sized lenders are lining up to buy them

Sep 14, 2026

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7 min read

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