Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Rental Payment Data for Mortgage Underwriting
Nearly 45 million Americans are credit invisible, yet millions pay rent on time every month. Fintechs like Esusu now pull real-time rental payment data from property management systems and report it to credit bureaus, creating a credit history that lenders can use for mortgage underwriting. In this episode, Lucas and Luna explore how this data flow works, the role of Fannie Mae's recent policy change, the challenges of standardization across landlords, and whether this innovation can truly narrow the homeownership gap. Specific numbers and a case study anchor the conversation in concrete…
The skinny
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