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Justin Kirsch

Rewriting the Rules: How Microsoft AI is Revolutionizing Mortgage Underwriting

8 min read

Rewriting the Rules: How Microsoft AI is Revolutionizing Mortgage Underwriting

Freddie Mac Bulletin 2025-16 takes effect March 3, 2026. It is not guidance. It is a requirement. Any seller or servicer delivering loans to Freddie Mac must now implement continuous, risk-based AI governance covering every use of AI or machine...

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Modern Loan Origination Systems Redefining Mortgage Efficiency

6 min read

Modern Loan Origination Systems Redefining Mortgage Efficiency

The global loan origination system market hit $6 billion in 2024 and is projected to reach $15.4 billion by 2032 at a 12.5% CAGR. U.S. financial...

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Stop the Data Entry Madness: Using Interfaces to Eliminate Duplicate Entries in Encompass

7 min read

Stop the Data Entry Madness: Using Interfaces to Eliminate Duplicate Entries in Encompass

ICE Mortgage Technology pushed the Encompass SDK sunset to December 31, 2026. The original deadline was October 2025. Then it moved to May 2026. Now...

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CFPB Pitfalls: How Smart Interfaces Keep Mortgage Companies Compliant

6 min read

CFPB Pitfalls: How Smart Interfaces Keep Mortgage Companies Compliant

The CFPB dismissed most of its enforcement actions in early 2025 and revoked nearly 70 guidance documents by May. The Bureau cut examinations by 50%...

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The Hidden Risks in Mortgage Automation

8 min read

The Hidden Risks in Mortgage Automation

Deepfake-driven attacks against financial services increased 180% year-over-year through 2025, according to TELUS Digital. Deloitte projects that...

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The Role of API Gateways in Modern Mortgage Lending Platforms

7 min read

The Role of API Gateways in Modern Mortgage Lending Platforms

Gartner projects that more than 30% of the increase in API demand will come from AI agents and large language models by 2026. For mortgage lenders,...

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The Economics of Mortgage Loan Platforms: Subscription vs. Transaction Pricing

7 min read

The Economics of Mortgage Loan Platforms: Subscription vs. Transaction Pricing

Freddie Mac's 2025 cost-to-originate analysis confirms that lenders maximizing LPA digital capabilities save up to $1,700 per loan. That is a 13%...

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Power BI Templates: Your Secret Weapon for Real-Time Mortgage Compliance

7 min read

Power BI Templates: Your Secret Weapon for Real-Time Mortgage Compliance

The Homebuyers Privacy Protection Act takes effect March 4, 2026. Fannie Mae's cybersecurity supplement now requires 36-hour breach notification....

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Visualizing Combined Tax and Mortgage Payment Trends for Clients

6 min read

Visualizing Combined Tax and Mortgage Payment Trends for Clients

Escrow costs jumped 30% in 2025. Property taxes are up 15% since 2021. Homeowners insurance rose 67% over the same period. And according to a...

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From Weeks To Minutes: How POS Interfaces Speed Up Mortgage Pre-Qualification

6 min read

How Mortgage POS Interfaces Speed Up Pre-Qualification in 2026

Agentic AI Just Rewrote the POS Playbook In February 2026, Bevri launched an agentic AI-powered Point-of-Sale platform for NEXA Lending, the nation's...

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