Are Credit Report Costs Making Mortgages More Expensive Than Necessary?

Mortgage Research Network Podcast · Mar 2, 2026 · 5m

Credit report fees are climbing fast—and borrowers may be paying more without realizing it. With costs projected to jump 40–50% in 2026, lenders are pushing Congress to rethink long-standing credit report requirements. Tim Lucas and Craig Berry break down what’s driving the surge, what changes are being proposed, and who stands to benefit—or lose.In this episode you’ll learn:How much credit report costs are rising: Mortgage credit report fees are projected to increase 40–50% in 2026 after years of steady hikes.Why lenders must pull three reports: Mortgage rules require credit checks from…