SAN DIEGO, Calif. /California Newswire/ — Amid one of the mortgage industry’s most prolonged stretches of cost pressure and market uncertainty, the latest Pulse of the Network survey from The Mortgage Collaborative (TMC) reports that lenders are responding with creativity and nimble thinking, anchored by a clear commitment to long-term resilience.

Conducted biannually, the Pulse of the Network taps the collective insight of TMC’s diverse national membership of independent mortgage banks (IMBs) and depositories. The July 2025 edition offers a real-time look at how lenders address rising origination costs, evolving compliance risks, and the challenge of developing talent in a hypercompetitive environment.

“Our members aren’t merely reacting to the market, they’re actively rethinking how to deliver, lead, and grow,” said Jodi Hall, president and CEO of The Mortgage Collaborative. “This survey shows the powerful role collaboration plays in helping lenders make confident, strategic decisions in uncertain times.”

Key Survey Highlights:

* Automation is no longer optional. 100% of respondents reported plans to increase automation through 2026, specifically focusing on AI-powered customer platforms, API-driven verification tools, and digital closing solutions to reduce costs, improve borrower experience, and reduce the cost of producing a loan.

* Leadership development is climbing the priority list. With teams operating leaner, lenders are investing in upskilling and succession planning to cultivate the next generation of industry leaders. This includes cross-functional training and a continued focus on driving their business based on operational KPIs.

* Revenue diversification is a top strategy. Lenders are expanding their product offerings to include non-QM loans, Reverse mortgages, HELOCs, and DPA programs, to grow market share in a challenging rate environment and forge stronger builder relationships to capture purchase business.

* Secondary market execution is under scrutiny. Lenders are improving loan sale processes and pricing flexibility while leveraging data analytics to forecast performance and reduce early payoff exposure.

* Compliance remains complex and evolving. State-level oversight is taking center stage in compliance conversations, as lenders navigate a strategic balance between tech-enabled efficiencies and rigorous risk management.

“This Pulse confirms a central truth: in today’s mortgage industry, success belongs to those who share, adapt, and lead together,” Hall added.

Read the results here: July 2025 Pulse of the Network Survey Results – https://www.canva.com/design/DAGs3k9d29o/T2C9VgjepmNkprsHZ8CZmA/view?utm_content=DAGs3k9d29o&utm_campaign=designshare

About The Mortgage Collaborative

The Mortgage Collaborative (TMC) is a membership-driven organization that empowers mortgage lenders across the United States through networking, education, and advocacy. TMC fosters an environment of collaboration and innovation, ensuring its members succeed regardless of market conditions. For more information, visit https://www.mortgagecollaborative.com/.

Learn More: https://www.mortgagecollaborative.com

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SAN FRANCISCO — The right side of the Dodgers’ bullpen took another hit this week.

On the injured list with right knee inflammation, continued discomfort led to surgery for Michael Kopech. The procedure to repair a torn meniscus will sideline him until at least the end of August.

“It was a minor cleanup,” Dodgers manager Dave Roberts said. “Don’t know a timetable. But it was just something that was bothering him. I think with the knee, if there’s certain things that trigger it then it’s just not sustainable to manage it. We got to that point. From what I understand, the surgery went well and he’ll be back this season.”

After starting the season on the IL with shoulder and forearm issues, Kopech pitched just seven innings for the Dodgers before going back on the IL.

Right-hander Evan Phillips had a similar journey. He started the season on the IL, recovering from a torn ligament in his shoulder then went back on the IL after pitching 5⅔ innings and underwent season-ending Tommy John surgery.

Right-hander Blake Treinen pitched just eight innings before going on the IL with a forearm injury. He at least is expected back soon after the All-Star break. He pitched an inning for Triple-A Oklahoma City on Wednesday and will continue his minor-league injury-rehabilitation assignment on Saturday.

The absence of that trio has left the Dodgers’ bullpen leaning to the left with Tanner Scott, Jack Dreyer, Anthony Banda and Alex Vesia.

“Yeah, when you’re losing three of your top relievers at any given time, certainly at the same time it’s a hit,” Roberts said. “But it’s a good opportunity for other guys.”

Those “other guys” for now are Kirby Yates, Lou Trivino, Will Klein and Ben Casparius, who will be “shortened up” into a relief role after a brief run as a starter. Yates has the best resume of that group but has been vulnerable against left-handed batters this season – they have 11 extra-base hits (eight doubles and three home runs) and a .937 OPS against him this year.

“I think obviously Kirby is going to be better versus left. Hasn’t been great versus left so far this year,” Roberts said. “Trivino is a guy that we’re going to use. I think Klein is a neutral guy but using him in those spots too. Yeah, we’re certainly heavy on the left-handed relievers for sure.

“We don’t have that righty killer. We’re going to have to match guys up.”

SNELL REHAB

Out since April 2 with a shoulder injury, left-hander Blake Snell began his rehab assignment on Thursday night with Class-A Rancho Cucamonga by pitching two shutout innings. He allowed one hit, struck out four and threw 31 pitches, touching 97 mph with his fastball.

With the minor leagues taking a break next week, Snell will pitch at the Dodgers’ training complex in Arizona on Tuesday, stretching out to three innings. He will need at least one more rehab start after the All-Star break before he could rejoin the Dodgers’ rotation.

MUNCY STATUS

A week after suffering a bone bruise in his left knee, Roberts said third baseman Max Muncy is “trending really well” in his recovery.

“Brandon McDaniel, one of our coaches, was at home yesterday and he talked to him,” Roberts said. “(Muncy) is already on the bike, his spirits are up, he’s moving around. I don’t know the timeline but just encouraged he’s making some good progress.”

Muncy is expected to be out at least six to eight weeks with the injury.

WAIVER CLAIM

The Dodgers claimed right-hander Nick Nastrini off waivers from the Miami Marlins.

Nastrini was the Dodgers’ fourth-round draft pick out of UCLA in 2021 and was part of the trade package that brought Lance Lynn and Joe Kelly from the Chicago White Sox in July 2023. Nastrini made the majors with the White Sox last year and went 0-7 with a 7.07 ERA in nine appearances (eight starts). Waived by the White Sox on July 1, he was claimed by the Marlins.

Nastrini will join OKC.

In order to clear a 40-man roster spot for Nastrini, the Dodgers designated right-hander Noah Davis for assignment. Davis made five appearances for the Dodgers this season, allowing 14 runs in six innings (including 10 in one inning against the Houston Astros last week).

UP NEXT

Dodgers (RHP Shohei Ohtani, 0-0, 1.50 ERA) at Giants (RHP Landon Roupp, 6-5, 3.39 ERA), Saturday, 1:05 p.m., SportsNet LA, 570 AM

SAN FRANCISCO — The right side of the Dodgers’ bullpen took another hit this week.

On the injured list with right knee inflammation, continued discomfort led to surgery for Michael Kopech. The procedure to repair a torn meniscus will sideline him until at least the end of August.

“It was a minor cleanup,” Dodgers manager Dave Roberts said. “Don’t know a timetable. But it was just something that was bothering him. I think with the knee, if there’s certain things that trigger it then it’s just not sustainable to manage it. We got to that point. From what I understand, the surgery went well and he’ll be back this season.”

After starting the season on the IL with shoulder and forearm issues, Kopech pitched just seven innings for the Dodgers before going back on the IL.

Right-hander Evan Phillips had a similar journey. He started the season on the IL, recovering from a torn ligament in his shoulder then went back on the IL after pitching 5⅔ innings and underwent season-ending Tommy John surgery.

Right-hander Blake Treinen pitched just eight innings before going on the IL with a forearm injury. He at least is expected back soon after the All-Star break. He pitched an inning for Triple-A Oklahoma City on Wednesday and will continue his minor-league injury-rehabilitation assignment on Saturday.

The absence of that trio has left the Dodgers’ bullpen leaning to the left with Tanner Scott, Jack Dreyer, Anthony Banda and Alex Vesia.

“Yeah, when you’re losing three of your top relievers at any given time, certainly at the same time it’s a hit,” Roberts said. “But it’s a good opportunity for other guys.”

Those “other guys” for now are Kirby Yates, Lou Trivino, Will Klein and Ben Casparius, who will be “shortened up” into a relief role after a brief run as a starter. Yates has the best resume of that group but has been vulnerable against left-handed batters this season – they have 11 extra-base hits (eight doubles and three home runs) and a .937 OPS against him this year.

“I think obviously Kirby is going to be better versus left. Hasn’t been great versus left so far this year,” Roberts said. “Trivino is a guy that we’re going to use. I think Klein is a neutral guy but using him in those spots too. Yeah, we’re certainly heavy on the left-handed relievers for sure.

“We don’t have that righty killer. We’re going to have to match guys up.”

SNELL REHAB

Out since April 2 with a shoulder injury, left-hander Blake Snell began his rehab assignment on Thursday night with Class-A Rancho Cucamonga by pitching two shutout innings. He allowed one hit, struck out four and threw 31 pitches, touching 97 mph with his fastball.

With the minor leagues taking a break next week, Snell will pitch at the Dodgers’ training complex in Arizona on Tuesday, stretching out to three innings. He will need at least one more rehab start after the All-Star break before he could rejoin the Dodgers’ rotation.

MUNCY STATUS

A week after suffering a bone bruise in his left knee, Roberts said third baseman Max Muncy is “trending really well” in his recovery.

“Brandon McDaniel, one of our coaches, was at home yesterday and he talked to him,” Roberts said. “(Muncy) is already on the bike, his spirits are up, he’s moving around. I don’t know the timeline but just encouraged he’s making some good progress.”

Muncy is expected to be out at least six to eight weeks with the injury.

WAIVER CLAIM

The Dodgers claimed right-hander Nick Nastrini off waivers from the Miami Marlins.

Nastrini was the Dodgers’ fourth-round draft pick out of UCLA in 2021 and was part of the trade package that brought Lance Lynn and Joe Kelly from the Chicago White Sox in July 2023. Nastrini made the majors with the White Sox last year and went 0-7 with a 7.07 ERA in nine appearances (eight starts). Waived by the White Sox on July 1, he was claimed by the Marlins.

Nastrini will join OKC.

In order to clear a 40-man roster spot for Nastrini, the Dodgers designated right-hander Noah Davis for assignment. Davis made five appearances for the Dodgers this season, allowing 14 runs in six innings (including 10 in one inning against the Houston Astros last week).

UP NEXT

Dodgers (RHP Shohei Ohtani, 0-0, 1.50 ERA) at Giants (RHP Landon Roupp, 6-5, 3.39 ERA), Saturday, 1:05 p.m., SportsNet LA, 570 AM