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Borrower-Paid Origination Costs Remain High

January 9, 2026
Abby Zimmardi
Since 2020, borrower-paid costs have steadily increased and remain elevated, but new research suggests that policy changes could improve affordability.
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Non-Agency MBS Issuers Off to Fast Start This Year

January 8, 2026
Abby Zimmardi
Some 10 non-agency MBS have hit the market thus far in January, with issuance spread across loan types.
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UWM Likely to Sell Two Harbors’ MBS Holdings Post Acquisition

January 8, 2026
James Dohnert
Goldman Sachs expects UWM to sell Two Harbors’ MBS portfolio once its planned acquisition of the real estate investment trust is complete.
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SEC Issues No-Action Letter on CLO Accounting

January 8, 2026
Shannon Clark
The Loan Syndications and Trading Association said the SEC has clarified that CLO tranches can be classified as receivables for accounting purposes, clearing regulatory uncertainty for banks.
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Mixed View on Fed Direction Clouds Mortgage Rate Projections

January 8, 2026
Brandon Ivey
The Mortgage Bankers Association expects mortgage rates will remain in a narrow band this year while Fannie Mae forecasts declines.
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District Court Says Trump Admin Must Fund CFPB

January 8, 2026
Shannon Clark
A federal district court judge said a lapse in funding at the CFPB would make it impossible for the bureau to fulfill its obligations under an existing preliminary injunction.
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OCC Proposes Preempting State Laws on Escrow Interest

January 8, 2026
Shannon Clark
The federal regulator is seeking federal preemption of state laws requiring banks to pay interest on funds in mortgage escrow accounts.
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Trade Groups Back TCPA Reforms to Prevent Fraud

January 8, 2026
Abby Zimmardi
The Mortgage Bankers Association and other groups back a proposal from the FCC to modernize Telephone Consumer Protection Act rules.
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Insurance Costs a Growing Concern for Homeowners in 2026

January 5, 2026
James Dohnert
Some 70% of homeowners surveyed by Kin said insurance costs weigh more heavily on them than they did five years ago.
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FHA MMIF Sees Continued Strength in FY 2025

January 2, 2026
Emmeline Willey
The capital ratio of FHA’s Mutual Mortgage Insurance Fund in the 2025 fiscal year was 11.47%, unchanged from 2024.
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