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Thought Leadership


The Key to Unlocking Massive Growth
I’m glad I completed the work to earn my Six Sigma Black Belt. I have continually used this methodology to ensure efficiency while minimizing risk. But Six Sigma gets better with Design Thinking.

Michael Harris
Sep 153 min read


Continued buyer uncertainty and missed spring volume.
It’s been a while since we last discussed the housing market, as our recent conversations at BlackFin have focused more on process...

Michael Harris
Aug 123 min read


Understanding the Real Cost of Mortgage Servicing—and What You Can Do About It
In previous articles, we’ve emphasized the importance of understanding, maintaining, and controlling your processes and associated risks....

Michael Harris
May 12 min read


Don’t Wait for Stability: Why Now Is the Time to Strengthen Your Business Foundation
I recently had a conversation about change management, especially with all the moving parts happening in the country right now. Many...

Michael Harris
Apr 112 min read


What to Expect in 2025
As you know, I have been focusing my commentary on the four primary economic drivers in the mortgage serving industry: household...

Michael Harris
Dec 31, 20243 min read


The Reduction of Interest Rates Explained
In our recent articles we have been discussing all that is the origination and real estate markets along with the current state of the...

Michael Harris
Sep 3, 20244 min read


Is It Crazy to Switch Mortgage Servicing Systems?
No one likes to talk about implementing a new technology system, especially when it is mission-critical software that will be used on...

Michael Harris
Aug 18, 20242 min read


Variables Affecting the Housing Market
We have been discussing for most of the year how the current mortgage origination market is navigating a complex landscape influenced by...

Michael Harris
Jul 20, 20243 min read


The Truth About the 2024 US Economy
So far this year our discussions have focused on interest rates, loan originations, consumer financial health and the real estate market....

Michael Harris
Jul 16, 20243 min read


How the Real Estate Market is Impacting Home Purchases & Loan Origination
In previous months we have discussed the relationships between the interest rates, the real estate market and loan originations. This...

Michael Harris
Jun 9, 20242 min read


Are Servicers Prepared to Potential Mortgage Delinquencies and Defaults?
In the first quarter of 2024, we have been discussing the concern about the pending increases in mortgage delinquencies, defaults and...

Michael Harris
May 13, 20242 min read


Can’t Ignore Data, Lender Defaults Starting, Are You Prepared?
In the latter 2023 and into this year we at BlackFin Group had been discussing and sharing about the pending increase in delinquencies,...

Michael Harris
Mar 28, 20243 min read


Lender Defaults Ahead, Are You Prepared?
After 20 years as a leader in the mortgage servicing and default management world, I’ve seen a thing or two that might surprise you....

Michael Harris
Jun 14, 20234 min read
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