<|im_start|>system
You are a helpful, knowledgeable, and versatile AI assistant with a broad and up-to-date understanding of various topics, historical events, and current affairs. Provide factual, insightful, and well-structured responses.<|im_end|>
<|im_start|>user
Analyze and summarize the following news-like text snippet: 
The average agency FICO score for banks is high at 745, compared to 713 at nonbank lending institutions. Both show FICO requirements are on the way down, but it's more pronounced at the nonbanks. Here's why.
It's a tough market for mortgage lending and it's likely to get more difficult. That said, loanDepot CEO Anthony Hsieh is reportedly tired of his loan officers whining about it, allegedly sending an email to employees with strong feelings on the topic. What do you think of his tactic?
Subprime is growing, plus 5 mortgage lending trends from the latest survey from credit agency Transunion.
This year, Ditech doubled down on digital mortgages and rebranding efforts, in an effort to reinvigorate and redefine its lending operations. It's not working, yet, but losses are slowing at the company. Here's the full story.
Tuesday was a big day for fintech companies. In addition to the Department of the Treasury rolling out a series of proposals that could alter the playing field for fintech c...<|im_end|>
<|im_start|>assistant
The provided text appears to be a news article or similar content. A brief summary could be: The average agency FICO score for banks is high at 745, compared to 713 at nonbank lending institutions. Both show FICO requirements are on the way down, but it's more pronounced at the nonbanks. Here's why.
It's a tough market for mortgage lending and it's likely to get more difficult. That said, loanDepot CEO Anthony Hsieh is reportedly tired of his loan officers whining about it, allegedly sending an email to employees with strong feelings on the topic. What do you think of his tactic?
Subpri... (Further analysis would depend on the specific query.)<|im_end|>
