The mortgage market is showing signs of recovery. After years of navigating elevated interest rates that began climbing in late 2021, lenders are seeing a path forward. The Mortgage Bankers Association’s (MBA) January 2026 Mortgage Finance Forecast projects that single-family mortgage origination volume will increase in 2026 to $2.2 trillion in 2026, up from $2.05 […]
Smart servicing: Why purpose-built software pays off Read More »
Mortgage rate declines in early January allowed for refinance opportunities for nearly 5 million borrowers and pushed housing affordability to a four-year high, according to ICE Mortgage Technology‘s February 2026 Mortgage Monitor Report released on Monday. The company also said that 2025 ended with the highest level of negative equity since 2018 and the weakest
Mortgage affordability at four-year high after rates fell in January Read More »
Since 1996 when Freddie Mac introduced the industry to the first automated underwriting system (AUS) for GSE-eligible mortgages, a borrower’s credit score has served as one of the most important predictors of mortgage delinquency. For many years thereafter, FICO score was the sole provider of scores to both GSEs’ AUS scorecards. The arrival of VantageScore
Looming risk for mortgage credit and MBS investors from “Lender Choice” Read More »