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6.26.26 HMDA Data and Housing Policy; Equifax’s Justin Demola on Credit Costs; Buydown Prevalence
Today’s episode includes a look at the intersection of housing policy and HMDA data. Plus, Robbie interviews Equifax’s Justin Demola on how rising credit costs, higher borrower fallout rates, and inefficient credit-pull strategies are increasing origination expenses, making it critical for lenders to manage credit usage more strategically while leveraging reforms to improve efficiency and reduce costs. And we close with a look at the increasing prevalence of buydowns as a percentage of originations.Thank you to Equifax, a global data, analytics, and technology company, which helps mortgage…
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