For part of January, the average interest rate on locks for rate-term refis was below 6.0%.

Some 94% of consumers planning to buy a home in 2026 would change their plans if rates don't drop below 6%, a new report says.

A recent survey of lenders by The Mortgage Collaborative found that lenders are making technology enhancements a strategic investment priority in 2026.

The Provident deal contains loans mostly made to prime credit borrowers.

Ginnie President Joe Gormley said the update allows for greater efficiencies and cost savings, and will make the agency’s digital collateral program more attractive to new issuers.

AI is expected to be used more frequently to bring down origination costs and help lenders avoid hiring-and-firing cycles.

The promised of increased MBS purchases by Fannie and Freddie is already having an effect on mortgage interest rates.

Five non-agency mortgage-backed securities started marketing Wednesday.

Jayendran GS, CEO of Prudent AI, a mortgage tech provider, said the growing presence of AI in underwriting is alleviating some lender fear around the technology.

The MBA and CHLA have issued statements showing mortgage industry support for a new executive order that would limit state regulation of artificial intelligence.