Volume 33: Issue 2 | February 2026 IN THIS ISSUE
DEPARTMENTS
6 From the Editor In a world of echo chambers, we explore why trusted sources — and a pinch of skepticism — are essential for our mortgage coverage 8 Mortgage Data Spotlight: New York Metro home values are rising across every metro region in the Empire State, from Buffalo to the tip of Long Island 10 Data Decoded The YIMBY solution says build more homes. But could inheritance trends quietly rewrite the housing market playbook?
ARTICLES
18 The Three Lines of Defense for Cybersecurity Compliance
12 Lunches, Likes and Liability Happy hours, hashtags and closing
From GLBA to state privacy laws, cybersecurity compliance is critical. Explore the 'three lines of defense framework' and why Fannie and Freddie mandate robust vendor risk management controls Anna DeSimone Housing Research LLC 20 The Digital Revolution Is Underway The mortgage landscape is fragmented and primed for smarter tech to usher in new industry standards Roby Robertson
photos seem innocent — until regulators connect the dots. Understand how patterns, not intentions, define compliance Michael Eising
28 A Market on the Rise
How Latino loan originators are helping shape the future of homeownership Oralia Herrera NAHREP
26 From Buzzword to Business Driver: AI in Mortgage Marketing
From predictive insights to keystroke savings, explore practical ways lenders can integrate AI responsibly without losing the human touch borrowers trust Chris Harrington Usherpa
32 COMMERCIAL SECTION
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Scotsman Guide | February 2026
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