HeyJaredChristopher Whalen
- Indexed articles, last 90 days
- 4
- Latest publication
- Oct 1, 2026
- Outlet visibility, for National Mortgage News
- Top 5M sites
- Earliest in this view
- Jul 27, 2026
Latest articles
Why the FASB proposal on MSRs is a recipe for disaster (opens the original)
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The Financial Accounting Standards Board is considering an update to US accounting rules that would specify that an entity should include the value attributable to the potential recapture of a borrower through the extension of a new loan when measuring the value of the right to service a residential mortgage loan. Generally accepted accounting principles in the U.S. do not describe the value of a mortgage servicing right very accurately and have encouraged auditors to allow some lenders to overs
Pulte's VantageScore push misses the real fix: tri-merge (opens the original)
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Federal Housing Finance Agency (FHFA) Director Bill Pulte last week announced that Fannie Mae and Freddie Mac will accept the VantageScore 4.0 credit scoring system by conventional lenders. He made a similar announcement in July. VantageScore claims to be used by over 3,700 financial institutions, including 9 of the top 10 U.S. banks, for general consumer lending and auto loans, but actual market share data in mortgages is not available. Pulte abruptly ended a limited 50-lender pilot and ordered
Volatile treasuries push IMBs toward bank, insurer deals (opens the original)
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As the US Treasury market experiences growing instability, a number of more astute independent mortgage bank executives have begun to ponder how to protect themselves and their businesses in a more volatile funding environment. Some have looked at acquiring a depository, while others have considered affiliating with an insurance company. The basic issue for IMBs is capital. IMBs are primarily focused on originating and selling residential mortgage loans, whether into the market for agency and go
Rethink capacity: 7% rates end near-term volume hopes (opens the original)
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Back in the first quarter of 2026, most mortgage lenders were anticipating lower interest rates and rising volumes. Then two things happened. First, the US, Israel and several Gulf nations, decided to start a war with Iran, a war that neither the US, Israel nor their Persian Gulf allies are in a position to win. More recently, the collapse of the AI bubble began to accelerate. By July, rating agencies started to downgrade names like Oracle. Credit default swaps spreads have started to blow out o
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