The total delinquency rate on loans in agency MBS reached 3.71% at the end of 2025. The last time delinquencies were at that level was early 2021 as the market was recovering from the impact of the pandemic. (Includes data table.)

Mortgage lenders are partnering with student loan debt repayment services as a pathway to drive business with new and existing borrowers.

Truist is using an AI tool from Dark Matter Technologies for underwriting processes while having humans validate the results. Meanwhile, MISMO is working on a framework for AI.

Players in the non-agency market are touting the benefits of thoughtfully using artificial intelligence for debt service coverage ratio loans and residential transition loans.

Homeowners are increasingly tapping into their home equity as part of a strategic planning process given uncertainties in the economy.

Ohio-based Credit union service organization myCUmortgage originated $994 million in mortgages last year through 4,045 partners.

Some 20 auto ABS have hit the market thus far in January, continuing momentum from a strong 2025. Meanwhile, the outlook for collateral performance is negative, though credit ratings are expected to hold.

The trade association asked the CFPB to exclude asset-backed financing transactions from its rule defining larger participants in the auto loan market, regardless of if they are securities or lending transactions.

Morningstar DBRS has rated 30 securitizations involving residential transition loans since introducing rating criteria for the asset class in August 2023.

Columbia University researchers dispute the conventional wisdom that says Fannie Mae and Freddie Mac dramatically overpay CRT investors.