Defects follow volume.
February's sub-6% print pulled a refi wave through pipelines across the market. The first QC data is in: critical defects jumped 23.9% in one quarter, and compliance findings hit a five-year record share. Your defect rate is a property of your throughput.
Read the briefThe income defect.
Income/employment has topped post-closing QC's critical-defect table in all but two quarters since late 2024. The quarter-by-quarter data, the anatomy of an income defect, and what a $32K buyback means for prevention.
Read the analysisYour AI program is due August 6.
Fannie Mae's LL-2026-04 takes effect in weeks — and Freddie Mac's AI rules are already live. What the GSEs now expect, how ready you are, and a three-week plan to get there.
Read the briefHow AI is reshaping mortgage operations in 2026.
The year the loan file stopped sitting on a desk. New credit models, autonomous agents, and hard governance rules turned underwriting into an AI-native operation.
Read the briefThe income calculation bottleneck.
Files don't stall because teams can't read documents. They stall because one mismatched paystub turns a clean file into three reviews. Income isn't a field — it's a workflow.
Read the analysisThe loan file is the interface.
Underwriting is a cross-document reasoning problem. So the interface should be the loan file itself — a living network of evidence you can interrogate, not a maze of tabs.
Read the vision