Credit Costs Are Surging—What Loan Officers MUST Know Going Into 2026
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In this episode of the Loan Officer Breakfast Club, Owen Lee delivers a must-hear update on the surging costs of credit reports and what it means for loan officers heading into 2026. With four consecutive years of price hikes—up to 50–60% increases—credit vendors are tightening the squeeze, especially on brokers.
Owen, Vice Chair of the MBA, breaks down what’s driving these cost increases (spoiler: it’s not actual rising expenses), the troubling lack of transparency from credit bureaus, and why loan officers should prepare now to pass costs to borrowers. He also gives timely market insights ahead of the upcoming Fed meeting, explaining why locking rates early might be your smartest move.
Plus, Carl White shares a high-ROI marketing move to capitalize on the news and reignite your refi business—even if rates don’t drop. If you’re a loan officer who wants to stay ahead of market changes and protect your margins, this conversation is essential.