Lenders in the mortgage industry are grappling with legal and regulatory requirements as they embrace artificial intelligence to enhance their operations.

Figure Technology Solutions recently launched Democratized Prime, a marketplace to fund home equity lines of credit with capital from institutions and individuals.

A survey of more than 200 mortgage lenders found that automation is the most important issue for the companies in 2025.

When acquisitions at the GSEs are slow, their mortgage and liquidity portfolios play a larger role in earnings. (Includes data table.)

Although delinquencies are higher for certain consumer credit sectors compared to recent years, fundamentals are holding up and analysts are becoming more optimistic about the economy’s performance in the remainder of 2025.

Fitch Ratings proposed changes to its rating criteria for non-agency MBS. If implemented, 10% of outstanding residential MBS ratings by Fitch will be upgraded.

A court sided with junior bondholders, directing the trustee of certain legacy non-agency MBS to treat loss recoveries as subsequent recoveries.

Rithm is partnering with an unidentified large institutional investor to buy up to $1.5 billion of RTLs.

While delinquencies on loans in Ginnie MBS are much higher than for GSE mortgages, prices for Ginnie MSRs can rival those seen for GSE servicing, for some characteristics.

New credit score data, such as rent payment history and bank account cash flows, may benefit some mortgage borrowers, but the new elements could also cause some problems.