<description>&lt;p class="ql-align-justify"&gt;This podcast segment breaks down the complex reasons behind the 30–40% surge in tri-merge credit report costs, examining regulatory mandates, FICO licensing fees, bureau markups, and the challenges of creating true competition without compromising fair lending or investor confidence.&lt;/p&gt;&lt;p class="ql-align-justify"&gt;------------------------------------------------------------------&lt;/p&gt;&lt;p class="ql-align-justify"&gt;&lt;a href="https://www.linkedin.com/in/alice-alvey-master-cmb-79631b1/" rel="noopener noreferrer" target="_blank" style="color: rgb(49, 130, 206);"&gt;&lt;strong&gt;Alice Alvey&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;, Master CMB&lt;/strong&gt;&lt;/p&gt;&lt;p class="ql-align-justify"&gt;Vice President Partner Education and Training at&amp;nbsp;&lt;a href="https://www.unionhomemortgage.com/" rel="noopener noreferrer" target="_blank" style="color: rgb(49, 130, 206);"&gt;Union Home Mortgage&lt;/a&gt;&lt;/p&gt;&lt;p class="ql-align-justify"&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="ql-align-justify"&gt;She handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.&lt;/p&gt;&lt;p class="ql-align-justify"&gt;Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.&lt;/p&gt;&lt;p class="ql-align-justify"&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="ql-align-justify"&gt;She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.&lt;/p&gt;&lt;p class="ql-align-justify"&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="ql-align-justify"&gt;Alice&amp;nbsp;has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!&lt;/p&gt;</description>

Lykken on Lending

David Lykken

HUD’s Housing Supply Bill: What It Means—and What It Doesn’t - Legislative Update by Alice Alvey

DEC 20, 20254 MIN
Lykken on Lending

HUD’s Housing Supply Bill: What It Means—and What It Doesn’t - Legislative Update by Alice Alvey

DEC 20, 20254 MIN

Description

<p class="ql-align-justify">This podcast segment breaks down the complex reasons behind the 30–40% surge in tri-merge credit report costs, examining regulatory mandates, FICO licensing fees, bureau markups, and the challenges of creating true competition without compromising fair lending or investor confidence.</p><p class="ql-align-justify">------------------------------------------------------------------</p><p class="ql-align-justify"><a href="https://www.linkedin.com/in/alice-alvey-master-cmb-79631b1/" rel="noopener noreferrer" target="_blank" style="color: rgb(49, 130, 206);"><strong>Alice Alvey</strong></a><strong>, Master CMB</strong></p><p class="ql-align-justify">Vice President Partner Education and Training at&nbsp;<a href="https://www.unionhomemortgage.com/" rel="noopener noreferrer" target="_blank" style="color: rgb(49, 130, 206);">Union Home Mortgage</a></p><p class="ql-align-justify"><br></p><p class="ql-align-justify">She handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.</p><p class="ql-align-justify">Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.</p><p class="ql-align-justify"><br></p><p class="ql-align-justify">She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.</p><p class="ql-align-justify"><br></p><p class="ql-align-justify">Alice&nbsp;has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!</p>