Mortgages

A revised Basel III endgame proposal from the Federal Reserve would fundamentally change the economics of mortgage lending for banks — improving returns, reshaping pricing and reopening a market they sidelined.

Analysts said Bill Pulte's new additional role as spy chief will further delay GSE privatization efforts, although that could change if he formally departed.

The Department of Veterans Affairs will accept the legislatively-mandated partial-claim option soon and servicing systems must accommodate it by November 28th.

While disparate impact has never been under greater legal pressure, its influence on the future of housing policy and even employment continues to grow, showing that reducing discriminatory effects is good for business.

Bank of Nova Scotia agreed to acquire Maple Financial Holdings Inc., which owns a small US commercial bank, as the Canadian firm looks to expand its structured-finance business in the American mortgage industry. 

The total delinquency rate rose 0.2 percentage points annually in March, with the share of loans 90 days late rising out of the range they were in since 2024.

The test of automated risk assessments for government-sponsored enterprise-eligible mortgages are designed to help determine when waivers might be possible.

The streamlining is designed to further expedite a process which allows mortgage companies to get a case number for loans on single units even if the building they're in doesn't have one.

The latest acquisition activity points to the importance of decisions lenders make regarding their MSRs in 2026 and some considerations unique to each company.

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

With the 10-year Treasury yield at levels not seen in 52 weeks, the 30-year fixed rate mortgage rose 15 basis points over last Thursday, Freddie Mac said.

A capital rule overhaul could make bank charters attractive to independent mortgage banks, reshaping who controls home lending in America.

The Mortgage Bankers Association now predicts a Federal Reserve rate hike to arrive in 2027, as housing price growth also slows over the next two years.

Foreclosure filings were reported on 42,430 properties in the United States last month, down 8% from the month prior but up 18% from a year ago.

The Federal Housing Administration put an end to pandemic-era relief last year, triggering a 28% jump in foreclosures on FHA loans in the first quarter and an expected spike in defaults ahead.

Regulatory proposals are boosting interest for banks to grow in mortgage, but sustainability demands deliberate, rather than reactive, strategy, experts say.

The opinion that supports national banks' ability to avoid paying interest on certain mortgage accounts in New York is unlikely to be the last word.

Employers hired an additional 115,000 workers in April, while unemployment remained unchanged at 4.3%. Despite the positive headline figure, a spike in newly unemployed workers and a rising number of underemployed workers suggests instability under the surface.

Freddie Mac was more aggressive than its counterpart for much of the past year but March activity establishes that there's a different trend at play in 2026.