The nonbank generated $164.5 million of net income in the fourth quarter of 2025. But in a departure from norm, Mat Ishbia, president and CEO of UWM, didn’t take questions from stock analysts.
Bank and mortgage industry groups are calling for broad reforms to bank capital requirements. Meanwhile, reactions to pending proposals from the Fed tied to bank mortgage holdings and MSRs were mixed.
Looking at VantageScore 4.0 data provided by the three national credit reporting agencies, researchers found that 18% of consumers had one or more scores that was at least 20 points higher than the tri-merge average.
No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors.
The Federal Reserve will soon issue proposals revising capital requirements set under the Basel framework in a way that could increase bank involvement in mortgage originations and servicing.
Refi originations increased by 96.8% on a quarterly basis in the fourth quarter of 2025. For the full year, refi volume was up 61.2% while purchase-mortgage lending increased by 2.4%. (Includes five data tables.)
The big homebuilders are purportedly planning to build a million starter homes to sell through a rent-to-own program. The Trump administration has distanced itself from any such proposal.
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