Compliance doesn’t prevent all consumer complaints, but it goes a long way toward happier customers and borrowers — and better business for MLOs.
Mortgage complaint trends
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Mortgage Loan Brokering & Lending
Learn the core concepts of consumer and business mortgage lending and brokering.
Stay current on the latest news, videos, forms, and updates for California Mortgage Lending.
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Form-of-the-Week: Credit report disclosure forms for originating an SFR mortgage — Forms 302, 217, 217-1, 217-2 and 219
A mortgage loan originator (MLO) processing an SFR mortgage application pulls a credit report, advises the applicant of the credit agency’s score and any derogatory financial information which suggests adverse action on the application. Critical to approval, the applicant provides the MLO with explanations for the derogatory items so the MLO can process the application.
Fannie Mae, Freddie Mac accept new credit score model
Lenders and MLOs now have more Enterprise-approved options for qualifying homebuyers with thin credit histories.
California’s shifting residential vacancy rates tell a story
Residential vacancy rates – along with jobs and residential construction – held steady.
Buyer Purchasing Power Index goes negative in Q3 2026
Homebuyers reliant on mortgage financing were limited to borrowing 5% less than a year earlier in Q3 2026.
Home sales volume impacts sales agent licensing and renewals
View California sales agent trends from 2002-present, and examine the effect of home sales volume on licensing.
Sales volume: a powerful magnet for home prices
Home sales volume movement impacts tomorrow’s home prices.
Home prices far outpace incomes — is mortgage deregulation the answer?
The current administration seeks to tackle the price-to-income gap by loosening mortgage regulation — it will be as successful as putting out a fire with gasoline.
Construction starts are below their historical average — and have been since 1990
Construction starts have been far below California’s historical average most years since 1990.
