CHLA said a single-bureau credit pull could ultimately increase costs for borrowers, among many other issues.

Potential home sales aren’t penciling out for some buyers who bought in recent years.

A handful of states have established requirements for interest payments on funds held in mortgage escrow accounts.

Foreclosure filings increased by 14% on an annual basis in 2025.

Issuance of residential mortgage-backed securities increased by 13.8% on an annual basis, hitting $1.43 trillion in 2025.

Originations at BofA increased by 26.7% from the third quarter while Wells' production was up 7.0%.

“There are a number of companies that have thrown out the rule book, if you will,” said Christy Soukhamneut, a consultant.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances decreased from 6.25% the week ending Jan. 2 to 6.18% last week.

“As part of those efforts, next week at Davos I’m going to provide much more detail about our housing policy so that every American who wants to own a home will be able to afford one,” President Trump said.

The shift in credit scores was driven by refinance activity.