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22 Episodes

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Affordability, Competition, and the Housing Market, with Scott Norman of the Texas MBA

2026-09-2309:14

Consumer resilience is holding in August: early-stage delinquencies unchanged year-over-year, balances growing but leverage declining, and credit card originations posting their largest month-over-month increase of any product. In this episode, Scott Norman, CEO of the Texas Mortgage Bankers Association and 30-year mortgage industry veteran, shares what he's hearing from lenders on the ground and why the affordability conversation has shifted away from rates. In the full episode, Scott covers...

The 33 Million Consumers Legacy Scores Ignore, with Dr. Andrada Pacheco of VantageScore

2026-08-2511:09

VantageScore 4.0 scores 33 million consumers that legacy credit scoring models ignore. In this episode, Dr. Andrada Pacheco, EVP and Chief Data Scientist at VantageScore, breaks down who those consumers are, why they are not a riskier population, and what lenders need to do to reach them. In the full episode, Andrada covers: ▶ Why VantageScore 4.0 uses 400% more data per score than legacy models ▶ Who the 24 million dormant consumers are and why lenders are lining up to reach them ▶ How cash...

The Divided Consumer Economy and What's Ahead, with Dr. Selma Hepp of Cotality

2026-07-2911:25

Consumer credit looks resilient on the surface. But beneath the surface, a divided economy is taking shape, and where you sit in it largely depends on whether you own a home. In this episode, Dr. Selma Hepp, Chief Economist at Cotality, shares her outlook on consumer credit conditions and what the data says about where resilience is real and where it's running thin. In the full episode, Selma covers: ➡️ Why higher and lower income households are experiencing fundamentally different economi...

Mortgage Lending in a High-Rate Environment, with David Battany of Guild Mortgage

2026-06-2310:28

Consumer sentiment is down, but the credit data tells a different story. Delinquencies improved across all VantageScore credit tiers in May, and originations rebounded, led by personal loans, which hit a nine-month high. In this episode, David Battany, EVP of Capital Markets at Guild Mortgage, shares how one of the nation's largest independent mortgage lenders is navigating affordability pressures and identifies the biggest opportunity to expand homeownership access. In the full episode, Davi...

AI and Fair Lending in Credit Underwriting, with Kareem Saleh of FairPlay AI

2026-05-2719:14

Fair lending isn't just a compliance obligation; in the age of AI, it's a model quality issue. In this episode, Kareem Saleh, Founder and CEO of FairPlay AI, explores why the best-performing lenders are optimizing for fairness, predictive accuracy, and explainability together, not as separate work streams. In the full episode, Kareem covers: ➡️ Why fairness blind spots are model performance problems ➡️ What the VantageScore 4.0 mortgage shift means for lenders ➡️ His outlook for consumer cred...

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