During the fourth quarter of 2025, issuance of expanded-credit mortgage-backed securities declined on a quarterly basis for the first time in two years.

The Trump Adminstration is said to be considering ways to boost housing affordability through executive order.

The mortgage industry is concerned that new state-level artificial intelligence regulations will impose duplicative or conflicting requirements.

Winter weather may have contributed to the decline in applications last week.

On an annual basis, issuance in 2025 was the highest on record and a 15.1% gain from 2024.

The GSEs' business assessments indicated that a single file report was measurably less able to predict borrower performance.

Third-quarter results were hampered by a legal settlement.

Bob Broeksmit, president and CEO of the Mortgage Bankers Association, said the Consumer Data Industry Association's recent arguments in support of the tri-merge credit report requirements ignore that CDIA members have a massive financial stake in preserving the status quo.

FICO says the recent surge in adoption of 10T scoring is largely driven by community lenders operating in underserved markets.