Senate last week passed a revised version of legislation aimed at easing housing affordability. House leaders aren’t fully happy with the bill.

Shrinking margins in the retail space are pushing loan officers to chart their own path in the wholesale channel.

Non-agency jumbo mortgages accounted for 15.4% of total single-family originations in 2025, compared with a 12.7% share in 2024. Meanwhile, agency high-balance activity declined somewhat. (Includes three data tables.)

The Senate is set to vote on legislation aimed at addressing housing affordability. MBA had supported earlier versions of the bill in the House and Senate.

The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO.

This time, leaders at loanDepot note that they’re looking for operating efficiency.

Interest rates on mortgages held steady last week, according to Freddie Mac or they rose, according to the MBA; odds of Two Harbors investors approving acquisition by United Wholesale Mortgage decline.

Austin Niemiec, chief revenue officer at Rocket Mortgage, will now head the lender’s wholesale channel as it looks to expand partnerships with brokers.

Lenders that focus on non-qualified mortgages are optimistic that originations will continue to increase this year.

Lenders expect ARM originations to continue to rise even as interest rates have begun to decline.