Homebuilders used price reductions and buydowns to drive sales and pull buyers off the sidelines in 2025.

The rising cost of credit reports has driven more lenders to seek savings through alternative reporting agencies, or by offsetting costs in other areas, said Lenders One President Justin Demola.

Home insurance premiums are rising at a slower pace, but affordability challenges still remain an issue for homebuyers.

Sen. Elizabeth Warren, D-MA, said it appears banks sold mortgages forgiven under the national mortgage settlement to debt collectors.

Mortgage applications are on the upswing as interest rates and spreads fall. FHFA says Trump is responsible, but critics disagree.

Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)

Refi originations push warehouse lending commitments up during the third quarter. On an annual basis, commitments were up 11.1%, with a handful of warehouse lenders putting a strong emphasis on the business. (Includes data table.)

Several mortgage trade groups expressed support for a proposal from the CFPB to remove the use of disparate-impact liability under the Equal Credit Opportunity Act. Consumer advocates oppose the effort.

The MBA advanced a proposal to limit the tri-merge requirements on GSE mortgages to applicants with credit scores below 700, in an effort to reduce the cost of originating loans. Some argue that the real problem is pulling scores for borrowers who are never going to qualify for a mortgage.

Rep. French Hill, R-AR, prompted the House to draft its own housing legislation rather than approving a Senate package.