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Credit Score Changes to Impact CRT Disclosures

November 21, 2025
Dennis Hollier
Enhancements to CRT disclosures introduce three new fields and modify one existing field.
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GSE Roundup

November 21, 2025
Dennis Hollier
Freddie markets multifamily CRT deal; Fannie updates bankruptcy attorney fees; multifamily affordability test includes updated High Opportunity Areas data.
Read More

Mortgage Aggregators Drive eNote Uptake

November 21, 2025
Emmeline Willey
More large aggregators adopted eNotes this year, pushing up the share of closings completed digitally.
Read More

Lenders Using Language Tech to Reach New Borrowers

November 21, 2025
James Dohnert
Carrington Mortgage and Rate launched new tools to reach borrowers with limited English proficiency.
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A Surge in Rent Reporting, With Mortgages in Mind

November 21, 2025
Dennis Hollier
The share of renter households whose rent payment history has been reported to at least one credit bureau grew from 3% to 13% in four years.
Read More

Trade Groups: Don’t Let GSE Reform Distort TBA Market

November 20, 2025
Dennis Hollier
Securities industry stakeholders say preservation of the secondary mortgage market, especially MBS futures trading on the TBA market, is essential to keeping mortgage rates low.
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CMBS Downgraded by S&P Following Criteria Changes

November 20, 2025
Emmeline Willey
After revising its CMBS criteria, S&P Global ratings downgraded ratings on a number of commercial MBS deals.
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Splitero Markets its First HEI Securitization

November 20, 2025
Abby Zimmardi
The issuance follows a large securitization of home equity investments by Unlock Technologies and Saluda Grade.
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MSR Buyers Relying Heavily on Recapture Projections

November 20, 2025
Brandon Ivey
Certain MSR buyers have been willing to pay lofty prices in recent years, hoping to recapture borrowers when interest rates decline. There are some questions about whether the moves will ultimately be profitable.
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CFPB Floats ECOA Changes; Agency Funding in Question

November 20, 2025
Shannon Clark
The CFPB is seeking to make changes to disparate impact and special purpose credit programs. The regulator also notified a federal court that it will run out of funding in early 2026.
Read More
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