{"id":438340,"date":"2024-01-09T10:27:44","date_gmt":"2024-01-09T15:27:44","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=438340"},"modified":"2024-01-09T12:30:16","modified_gmt":"2024-01-09T17:30:16","slug":"crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","title":{"rendered":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances"},"content":{"rendered":"\n

Ohio-based mortgage lender CrossCountry Mortgage<\/strong><\/a> <\/strong>has adopted the updated credit scoring model FICO Score 10 T to support origination of non-conforming loans and issue mortgage-backed securities (MBS), the company announced on Tuesday. <\/p>\n\n\n\n

The lender’s move follows Movement Mortgage’s<\/strong><\/a> decision in early October to become an “early adopter” of the updated credit scoring model that FICO released about four years ago. Other mortgage lenders may follow suit since regulators plan to replace the classic credit system with an updated one to incorporate trended data. <\/p>\n\n\n\n

CCM claims it is “the first mortgage lender to commit to issuing MBS exclusively based on FICO Score 10 T,” a step for investors at the $12 trillion MBS global market “to familiarize themselves with the new score and realize the promised performance improvement.”<\/p>\n\n\n\n

According to Jenn Stracensky, CCM’s chief operating officer, “By proactively issuing mortgage-backed securities exclusively based on FICO Score 10 T,” the company empowers “investors to make smarter decisions.”<\/p>\n\n\n\n

The move will also help the company to “continue to offer personalized solutions to our customers,” Stracensky said in a statement. <\/p>\n\n\n\n

Fair Isaac Corp<\/strong>.<\/a> (FICO), the company that retains the rights to the market’s adopted methodology to measure consumer credit risk, launched the updated credit score in 2020 for lenders to have greater precision by incorporating trended credit bureau data when making lending decisions. <\/p>\n\n\n\n

The company claims the model can expand mortgage approval rates by up to 5% relative to classic versions without adding incremental risk. It reduces default risk and losses by up to 17% and allows lenders to project cash flows more accurately, FICO says. <\/p>\n\n\n\n

Government-sponsored enterprises Fannie Mae<\/strong><\/a> and Freddie Mac<\/strong><\/a> have relied on the classic credit models for nearly 20 years. <\/p>\n\n\n\n

However, the Federal Housing Finance Agency<\/strong> announced<\/a> in late 2022 that it would replace the Classic FICO credit model with the FICO 10 T and VantageScore<\/strong> 4.0, a competing model incorporating trended credit bureau data. <\/p>\n\n\n\n

The original implementation timeline<\/a> was to move from a tri-merge system to a bi-merge system in the first quarter of 2024. But, concerns expressed by stakeholders and members of the U.S. Congress delayed the transition<\/a>.  <\/p>\n\n\n\n

Amid a discussion on changing the credit scoring model, HousingWire reported in December that credit reports<\/a> will be more expensive for mortgage lenders in 2024. <\/p>\n\n\n\n

FICO will charge one price \u2013 higher than the current price \u2013 to all mortgage lenders, independent of their volumes, departing from the tier-based pricing structure it implemented in early 2023. It will also collect the same per-score price for soft pulls and hard pulls, an initiative that started in 2023 despite significant differences in these products.<\/p>\n","protected":false},"excerpt":{"rendered":"

Cross Country Mortgage claims it is “the first mortgage lender to commit to issuing MBS exclusively based on FICO Score 10 T.” <\/p>\n","protected":false},"author":35414,"featured_media":392228,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[268237,1692,12941,268078],"tags":[1212,15389,3453,268313,19210],"coauthors":[242838],"acf":[],"yoast_head":"\nCrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire\" \/>\n<meta property=\"og:description\" content=\"Cross Country Mortgage claims it is "the first mortgage lender to commit to issuing MBS exclusively based on FICO Score 10 T."\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\" \/>\n<meta property=\"og:site_name\" content=\"HousingWire\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/06\/credit-score-credit-report.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Fl\u00e1via Furlan Nunes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Fl\u00e1via Furlan Nunes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\"},\"author\":{\"name\":\"Fl\u00e1via Furlan Nunes\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/person\/3d4839fd6811337d031c4d0119e73295\"},\"headline\":\"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances\",\"datePublished\":\"2024-01-09T15:27:44+00:00\",\"dateModified\":\"2024-01-09T17:30:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\"},\"wordCount\":440,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.housingwire.com\/#organization\"},\"keywords\":[\"Credit Score\",\"CrossCountry Mortgage\",\"FICO\",\"MBS\",\"Non-Conforming Mortgage\"],\"articleSection\":[\"LendingLife\",\"Mortgage\",\"Origination\",\"Yahoo Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.housingwire.com\/#organization\"},\"isAccessibleForFree\":\"False\",\"hasPart\":{\"@type\":\"WebPageElement\",\"isAccessibleForFree\":\"False\",\"cssSelector\":\".wp-block-housingwire-piano-member\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\",\"url\":\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\",\"name\":\"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire\",\"isPartOf\":{\"@id\":\"https:\/\/www.housingwire.com\/#website\"},\"datePublished\":\"2024-01-09T15:27:44+00:00\",\"dateModified\":\"2024-01-09T17:30:16+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.housingwire.com\/#website\",\"url\":\"https:\/\/www.housingwire.com\/\",\"name\":\"HousingWire\",\"description\":\"HousingWire is the nation's most influential source of news and information on housing and mortgage lending.\",\"publisher\":{\"@id\":\"https:\/\/www.housingwire.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.housingwire.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.housingwire.com\/#organization\",\"name\":\"HousingWire\",\"url\":\"https:\/\/www.housingwire.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/cropped-HousingWire-Logo.png\",\"contentUrl\":\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/cropped-HousingWire-Logo.png\",\"width\":1216,\"height\":246,\"caption\":\"HousingWire\"},\"image\":{\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/person\/3d4839fd6811337d031c4d0119e73295\",\"name\":\"Fl\u00e1via Furlan Nunes\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/person\/image\/a17a1abfe96874151c231d3ccd457215\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/80b305df6055e79b2f0b8a42e18d84af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/80b305df6055e79b2f0b8a42e18d84af?s=96&d=mm&r=g\",\"caption\":\"Fl\u00e1via Furlan Nunes\"},\"description\":\"Fl\u00e1via Furlan Nunes is HousingWire\u2019s mortgage reporter. Originally from S\u0101o Paulo, she spent more than ten years working for prominent Brazilian economic outlets before moving to New York City. Fl\u00e1via has a Master\u2019s Degree in Economics and Business Reporting from Columbia University.\",\"sameAs\":[\"fnunes@housingwire.com\"],\"url\":\"https:\/\/www.housingwire.com\/author\/flaviafurlannunes\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","og_locale":"en_US","og_type":"article","og_title":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire","og_description":"Cross Country Mortgage claims it is \"the first mortgage lender to commit to issuing MBS exclusively based on FICO Score 10 T.\"","og_url":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","og_site_name":"HousingWire","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/06\/credit-score-credit-report.jpg","type":"image\/jpeg"}],"author":"Fl\u00e1via Furlan Nunes","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Fl\u00e1via Furlan Nunes","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/#article","isPartOf":{"@id":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/"},"author":{"name":"Fl\u00e1via Furlan Nunes","@id":"https:\/\/www.housingwire.com\/#\/schema\/person\/3d4839fd6811337d031c4d0119e73295"},"headline":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances","datePublished":"2024-01-09T15:27:44+00:00","dateModified":"2024-01-09T17:30:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/"},"wordCount":440,"commentCount":0,"publisher":{"@id":"https:\/\/www.housingwire.com\/#organization"},"keywords":["Credit Score","CrossCountry Mortgage","FICO","MBS","Non-Conforming Mortgage"],"articleSection":["LendingLife","Mortgage","Origination","Yahoo Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/#respond"]}],"copyrightYear":"2024","copyrightHolder":{"@id":"https:\/\/www.housingwire.com\/#organization"},"isAccessibleForFree":"False","hasPart":{"@type":"WebPageElement","isAccessibleForFree":"False","cssSelector":".wp-block-housingwire-piano-member"}},{"@type":"WebPage","@id":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","url":"https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","name":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances - HousingWire","isPartOf":{"@id":"https:\/\/www.housingwire.com\/#website"},"datePublished":"2024-01-09T15:27:44+00:00","dateModified":"2024-01-09T17:30:16+00:00","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.housingwire.com\/#website","url":"https:\/\/www.housingwire.com\/","name":"HousingWire","description":"HousingWire is the nation's most influential source of news and information on housing and mortgage lending.","publisher":{"@id":"https:\/\/www.housingwire.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.housingwire.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.housingwire.com\/#organization","name":"HousingWire","url":"https:\/\/www.housingwire.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.housingwire.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/cropped-HousingWire-Logo.png","contentUrl":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/cropped-HousingWire-Logo.png","width":1216,"height":246,"caption":"HousingWire"},"image":{"@id":"https:\/\/www.housingwire.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.housingwire.com\/#\/schema\/person\/3d4839fd6811337d031c4d0119e73295","name":"Fl\u00e1via Furlan Nunes","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.housingwire.com\/#\/schema\/person\/image\/a17a1abfe96874151c231d3ccd457215","url":"https:\/\/secure.gravatar.com\/avatar\/80b305df6055e79b2f0b8a42e18d84af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/80b305df6055e79b2f0b8a42e18d84af?s=96&d=mm&r=g","caption":"Fl\u00e1via Furlan Nunes"},"description":"Fl\u00e1via Furlan Nunes is HousingWire\u2019s mortgage reporter. Originally from S\u0101o Paulo, she spent more than ten years working for prominent Brazilian economic outlets before moving to New York City. Fl\u00e1via has a Master\u2019s Degree in Economics and Business Reporting from Columbia University.","sameAs":["fnunes@housingwire.com"],"url":"https:\/\/www.housingwire.com\/author\/flaviafurlannunes\/"}]}},"parsely":{"version":"1.1.0","meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances","url":"http:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.housingwire.com\/articles\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\/"},"thumbnailUrl":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/06\/credit-score-credit-report.jpg?w=150","image":{"@type":"ImageObject","url":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/06\/credit-score-credit-report.jpg"},"articleSection":"LendingLife","author":[{"@type":"Person","name":"Fl\u00e1via Furlan Nunes"}],"creator":["Fl\u00e1via Furlan Nunes"],"publisher":{"@type":"Organization","name":"HousingWire","logo":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2019\/09\/HW-logo1.png"},"keywords":["credit score","crosscountry mortgage","fico","mbs","non-conforming mortgage"],"dateCreated":"2024-01-09T15:27:44Z","datePublished":"2024-01-09T15:27:44Z","dateModified":"2024-01-09T17:30:16Z"},"rendered":"<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"CrossCountry adopts FICO Score 10 T for non-conforming loans, MBS issuances\",\"url\":\"http:\\\/\\\/www.housingwire.com\\\/articles\\\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.housingwire.com\\\/articles\\\/crosscountry-adopts-fico-score-10-t-for-non-conforming-loans-mbs-issuances\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.housingwire.com\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/credit-score-credit-report.jpg?w=150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.housingwire.com\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/credit-score-credit-report.jpg\"},\"articleSection\":\"LendingLife\",\"author\":[{\"@type\":\"Person\",\"name\":\"Fl\\u00e1via Furlan Nunes\"}],\"creator\":[\"Fl\\u00e1via Furlan Nunes\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"HousingWire\",\"logo\":\"https:\\\/\\\/www.housingwire.com\\\/wp-content\\\/uploads\\\/2019\\\/09\\\/HW-logo1.png\"},\"keywords\":[\"credit score\",\"crosscountry mortgage\",\"fico\",\"mbs\",\"non-conforming mortgage\"],\"dateCreated\":\"2024-01-09T15:27:44Z\",\"datePublished\":\"2024-01-09T15:27:44Z\",\"dateModified\":\"2024-01-09T17:30:16Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/housingwire.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/06\/credit-score-credit-report.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":437233,"url":"https:\/\/www.housingwire.com\/articles\/blends-soft-credit-pull-function-supports-fannie-maes-du-early-assessment\/","url_meta":{"origin":438340,"position":0},"title":"Blend\u2019s soft credit pull function supports Fannie Mae\u2019s DU early assessment","author":"Connie Kim","date":"January 4, 2024","format":false,"excerpt":"Blend aims to court more lenders as it supports Fannie Mae\u2019s DU early assessment enhancement with a direct integration from Blend\u2019s soft credit pull function.","rel":"","context":"In "LendingLife"","block_context":{"text":"LendingLife","link":"https:\/\/www.housingwire.com\/category\/lendinglife\/"},"img":{"alt_text":"Technology laptop","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/Technology-laptop--e1701895499769.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/Technology-laptop--e1701895499769.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/Technology-laptop--e1701895499769.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/10\/Technology-laptop--e1701895499769.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":438502,"url":"https:\/\/www.housingwire.com\/articles\/exclusive-crosscountry-mortgage-ceo-ron-leonhardt-talks-amcap-acquisition-future-targets\/","url_meta":{"origin":438340,"position":1},"title":"Exclusive: CrossCountry Mortgage CEO Ron Leonhardt talks AmCap acquisition, future targets","author":"Fl\u00e1via Furlan Nunes","date":"January 10, 2024","format":false,"excerpt":"Ron Leonhardt, founder and CEO of CrossCountry Mortgage, explains how the deal for Texas-based Amcap came together, and what future acquisitions may look like.","rel":"","context":"In "IPO \/ M&A"","block_context":{"text":"IPO \/ M&A","link":"https:\/\/www.housingwire.com\/category\/ma-funding\/"},"img":{"alt_text":"Someone holding three blocks, side by side. Left block has buildings and puzzle pieces. Middle block has M&A on it. Right block has 2 hands shacking with a check mark above it.","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2022\/12\/1200x700_Mergers_and_Acquisitions_03.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2022\/12\/1200x700_Mergers_and_Acquisitions_03.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2022\/12\/1200x700_Mergers_and_Acquisitions_03.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2022\/12\/1200x700_Mergers_and_Acquisitions_03.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":438429,"url":"https:\/\/www.housingwire.com\/articles\/how-rocket-pro-tpo-plans-to-court-more-brokers-in-2024\/","url_meta":{"origin":438340,"position":2},"title":"How Rocket Pro TPO plans to court more brokers in 2024\u00a0","author":"Connie Kim","date":"January 9, 2024","format":false,"excerpt":"Rocket Pro TPO, the wholesale arm of Rocket Mortgage, hopes to woo brokers with a slew of product enhancements and services.","rel":"","context":"In "LendingLife"","block_context":{"text":"LendingLife","link":"https:\/\/www.housingwire.com\/category\/lendinglife\/"},"img":{"alt_text":"Rocket Mortgage","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/05\/Rocket-Mortgage-Building.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/05\/Rocket-Mortgage-Building.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/05\/Rocket-Mortgage-Building.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/05\/Rocket-Mortgage-Building.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":438691,"url":"https:\/\/www.housingwire.com\/articles\/guild-asks-judge-to-confirm-10-7m-award-in-poaching-dispute-against-ex-employees\/","url_meta":{"origin":438340,"position":3},"title":"Guild asks judge to confirm $10.7M award in poaching dispute against ex-employees","author":"Fl\u00e1via Furlan Nunes","date":"January 10, 2024","format":false,"excerpt":"Award resulted from an arbitration dispute against three ex-Guild employees accused of poaching when they transitioned to CrossCountry.","rel":"","context":"In "Legal"","block_context":{"text":"Legal","link":"https:\/\/www.housingwire.com\/category\/politics-money\/legal\/"},"img":{"alt_text":"commission lawsuit","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/01\/legal-lawsuit_04.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/01\/legal-lawsuit_04.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/01\/legal-lawsuit_04.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/01\/legal-lawsuit_04.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":439841,"url":"https:\/\/www.housingwire.com\/articles\/mbs-market-imbalance-fueling-higher-rates\/","url_meta":{"origin":438340,"position":4},"title":"MBS market imbalance fueling higher rates","author":"Bill Conroy","date":"January 17, 2024","format":false,"excerpt":"GSEs buying more MBS and the Fed ending QT could be a fix \u2014 though one seems far more likely than the other.","rel":"","context":"In "Mortgage"","block_context":{"text":"Mortgage","link":"https:\/\/www.housingwire.com\/category\/mortgage\/"},"img":{"alt_text":"U.S. Treasury Department Building, Washington, D.C.","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/treasurydept_libraryofcongress.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/treasurydept_libraryofcongress.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/treasurydept_libraryofcongress.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/treasurydept_libraryofcongress.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":437510,"url":"https:\/\/www.housingwire.com\/articles\/opinion-how-regulators-can-reduce-costs-and-increase-equity\/","url_meta":{"origin":438340,"position":5},"title":"Opinion: How regulators can reduce costs and increase equity","author":"Jessica Davis","date":"January 8, 2024","format":false,"excerpt":"To continue fostering innovation across the industry and better serve these homebuyers, regulators must take aim at one of the largest impediments to innovation: monopolies.","rel":"","context":"In "Mortgage"","block_context":{"text":"Mortgage","link":"https:\/\/www.housingwire.com\/category\/mortgage\/"},"img":{"alt_text":"mortgage-tech-keyboard","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/08\/mortgage-tech-keyboard.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/08\/mortgage-tech-keyboard.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/08\/mortgage-tech-keyboard.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2023\/08\/mortgage-tech-keyboard.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/posts\/438340"}],"collection":[{"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/users\/35414"}],"replies":[{"embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/comments?post=438340"}],"version-history":[{"count":5,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/posts\/438340\/revisions"}],"predecessor-version":[{"id":438383,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/posts\/438340\/revisions\/438383"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/media\/392228"}],"wp:attachment":[{"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/media?parent=438340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/categories?post=438340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/tags?post=438340"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.housingwire.com\/wp-json\/wp\/v2\/coauthors?post=438340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}