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Mortgage affordability at four-year high after rates fell in January

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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 […]

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Looming risk for mortgage credit and MBS investors from “Lender Choice”

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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

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Warsh call for Fed-Treasury accord stirs debate in $30 trillion bond market

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Kevin Warsh floated plenty of ideas for how he would run the Federal Reserve during his campaign for the job as chair. For Wall Street, few are as cryptic — or potentially consequential — as his call for a new accord with the Treasury Department. Processing Content Warsh has voiced support for overhauling the relationship

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