Future Proof · 2026-05-08 · 45 min
Send us Fan Mail What happens when the foundation of mortgage banking... credit models, product strategy, AI adoption, and talent development... is all shifting at the same time? In this episode of Future Proof, Melissa Langdale and Greg Sher of NFM Lending unpack the multiple forces reshaping mortgage banking all at once - from the challenge to legacy credit scoring models to the rapid growth of non-QM and the operational pressure to adopt AI more effectively. The conversation explores whether VantageScore is really just a bridge to a more data-rich underwriting future, and what that shift could mean for affordability, access, and risk. Melissa and Greg also dig into the bigger strategic questions lenders should be asking around responsible lending, cost to produce, and how to attract the next generation of mortgage professionals into a far more technology-driven business. It’s a sharp, forward-looking discussion for leaders trying to make sense of where the industry is headed before the market makes the decision for them.
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