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

The State of Automated Valuation Models in the Age of Big Data 
By: Valuation Analytics Workgroup 

Consumer Lending Institutions Play an Important Role in the Coronavirus Response

By: PwC

Using Conversational AI to Increase Customer Satisfaction and Retention
By: Sutherland Mortgage Services  

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

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