Nearly 60% of the mortgage finance loans outstanding from Texas Capital Bank are in enhanced structures that carry lower capital requirements for the bank.

Nonbank lender Rate expects to expand the use of AI in its originations and sales processes this year.

Rather than detailing new policies to address housing affordability, President Trump highlighted two recent announcements. He also warned that he could “crush” the housing market.

President Trump’s announcement that the GSEs will buy $200 billion of agency MBS prompted mortgage spreads to tighten by about 20 basis points and some lenders to offer mortgages below 6.00%.

Both wholesale and correspondent lending look poised to increase this year, according to industry participants.

Wells Fargo, Bank of America, and Chase increased mortgage production during the fourth quarter.

Lenders are looking to investments in technology to help scale originations without adding a huge number of LOs when lending increases.

The Mortgage Bankers Association expects mortgage rates will remain in a narrow band this year while Fannie Mae forecasts declines.

Appraisal reforms included in a Senate-approved housing package didn’t make it into a housing bill moving through the House. Meanwhile, the MBA raised concerns about the reforms in the Senate legislation.

Originations of home equity lines of credit and closed-end second liens continued to increase during the third quarter of 2025 but at a slower pace than in the previous quarter.