Underwriting

The release of Fannie Mae and Freddie Mac's internal metrics support this process, but other measures will still be needed, according to Bank of America.

Bill Pulte, FHFA director, has ordered Fannie Mae to update its servicer guide to mirror Freddie Mac policy regarding notifying borrowers about dropping MI.

More depositories are getting involved in the securitized market and the competition is likely to add to expense management challenges of smaller balance loans.

Weak refi demand is pushing lenders to lean on servicing income, as tighter execution spreads and higher MSR values shift the industry's sell/retain calculus

As UAD 3.6's Nov. 2 mandate shrinks an aging appraiser pool, AnnieMac and Lower lean on AUS waivers and in-house teams to dodge 2022-style fee spikes and turn-time delays.

Bank of America Securities research shows this sector has had its best year since at least 2017, but some trends in the market point to a need for caution.

Non-QM securitizations hit $78B as lenders ease guidelines to capture unserved borrower demand, even as total impairments rise for the 10th time in 13 months to 6.27%.

The Mortgage Bankers Association says the three-day post-close period is redundant, but consumer groups called it vital for borrowers and required by law.

Record lending drove a top-line gain on the year but one-time costs from reverse mortgage servicing sales and negative fair value changes hurt the bottom line.

However, for the second quarter, increased home purchase mortgage activity contributed to an industry-wide 11% increase in agency securitizations, BTIG said.

This data release means another milestone for the use of updated credit score models than the current FICO Classic has been met by Fannie Mae and Freddie Mac.

The fee hike, which also raises the cost of assumptions, is part of the House pay-as-you-go rules to support a proposed expansion of veterans benefits.

While the nationwide purchase average declined nearly 3% in 2025, these costs rose in 23 of 50 states and the District of Columbia, a study from LodeStar said.

There's broad support for the effort to reduce costs and processes, but the Appraisal Institute warns about reducing property valuation quality control checks.

Approximately 54% of homeowners looked to a second lien product to access their home's stored value in the first quarter due to the "lock-in effect."

Homebuyers applying for Federal Housing Administration loans in community property states are facing hurdles that current market conditions have heightened.

Higher utilization and aggregate excess payments point to pressure, according to TransUnion. Debt-to-income averages remain below traditional mortgage caps.

The Mortgage Bankers Association is recommending the option for Fannie Mae and Freddie Mac borrowers with strong credit with a tri-merge for others. Here's why.

Questions about the single-report option and whether VantageScore should be introduced before FICO 10T arose during a hearing on broader legislative proposals.

The latest government-sponsored enterprise changes include a more flexible sampling and a longer maximum term for some manufactured housing loans, respectively.