Member White Papers

The views and opinions expressed in the papers posted on this site are those of the authors and do not necessarily reflect the official policy or position of the Mortgage Bankers Association or its subsidiaries.  All postings are made pursuant to the White Paper Submission guidelines. To report a violation of these guidelines, please email

Are FICO® Scores "Artificially Inflated"?

Mortgage and Blockchain: Ready for Disruption?
By: Accenture Credit Services 

Machine Learning and FICO Scores
By: FICO  

Reshaping Consumer Lending with Artificial Intelligence 
By: Tavant Technologies 

Actions to Drive Effective Change in Financial Services
By: KPMG Financial Services RegulatoryInsight Center

A New Age in Mortgage: Selected Insights
By: Oliver Wyman

5 Strategic Considerations for Financial Institutions in 2017
By: RSM, March

Collaboration in Today's TRID Environment
By: Simplifile

Consumer Financial Protection Bureau - Five-Year Retrospective
By: Mayer Brown LLP

Data - The Heart of Stress Testing
By: Situs

Efficiently Locate and Verify Assets To Improve Home Loan Origination, Quality And Customer Experience 
By: Early Warning

Putting the Profitability Back into Mortgage Lending 
By: Sutherland Mortgage Services

Mortgage Finance: The Importance of an Effective Quality Control Program
By: Stewart