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NEWS & INSIGHTS
Stay connected with ThinkLattice for the latest news, insights, and trends shaping the lending industry and the communities we serve.
Mortgage Rates and Affordability Strategies in Late 2025
As we head into the final quarter of 2025, mortgage rates and home-buying affordability continue to be a major challenge — for lenders, borrowers, and vendors alike. We’re not back to the sub-3% rates seen in early 2021, but rates have settled into what may become a “new normal” for now. Current Rate Landscape According to the most recent survey from Freddie Mac, the 30-year fixed mortgage averaged 6.26% for the week ending November 20, 2025. FRED+1 Mortgage-rate trackers li
1 day ago3 min read
AI in Mortgage Lending: Balancing Innovation with Human Insight
By: Chuck Mureddu, Chief Valuations and Compliance Officer Artificial intelligence is no longer an experiment in the mortgage space, it’s reshaping how lenders, servicers, and valuation providers operate. From portfolio risk monitoring to borrower communication, AI is being integrated into processes that were once entirely manual, introducing new efficiencies and new responsibilities. In valuation specifically, AI is being layered into long-established technologies like Autom
Oct 213 min read
Is Now the Right Time to Refinance? What Lenders and Borrowers Should Know
Mortgage markets move in cycles, and right now we’re seeing a shift that has everyone talking. Reuters reported that Interest rates have...
Sep 123 min read
Appraisal Modernization in Motion: What UAD 3.6 Means for Lenders and Appraisers
The world of real estate valuation is about to get a serious upgrade. Starting September 2025 , Fannie Mae and Freddie Mac will begin...
Aug 52 min read
The Impact of Interest Rates on the Housing Market and Mortgage Lending
How Lenders Can Adapt in a Shifting Economic Landscape Interest rates are one of the most powerful levers in the U.S. economy, especially...
May 283 min read
The Future of Mortgage Lending: How Technology is Shaping the Industry
The mortgage industry has long embraced technology—but now, the focus is shifting toward speed, integration, and borrower experience. As...
May 72 min read
Why Compliance Matters in Mortgage Lending and How to Stay Ahead
In lending, compliance isn’t just about regulation; it’s about building trust, reducing risk, and enabling sustainable growth. Whether...
May 72 min read
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