Ryan Dempster, president and CEO of Willamette Valley Bank, cited competition and elevated interest rates as factors that drove the bank away from mortgage lending.

The total delinquency rate declined by 3 basis points on a monthly basis to 3.65% as of the end of January, according to Intercontinental Exchange.

According to Inside Mortgage Finance’s Large Servicer Delinquency Index, the overall delinquency rate increased by 46.6 basis points from the end of September, hitting 3.29% at the end of 2025.

The spike in income compared with the third quarter was largely due to changes in the value of mortgage servicing rights.

Experts speaking at SFVegas this week think the White House's interest in removing the GSEs from conservatorship could be dwindling.

Angel Oak Mortgage REIT generated $11.3 million of net income in the fourth quarter of 2025.

“Low interest rates will solve the Biden-created housing problem while at the same time protecting the values of those people who already own a house,” President Trump said.

Over the past two years, there have been four quarterly declines and four increases in bank holdings of residential MBS.

Agency-eligible loans are frequently being delivered to non-agency MBS instead of the GSEs.

“As I understand it, large portions of the agency for much of 2025 were not working or were working in a very limited fashion, and the numbers are likely going to reflect that,” said Mike Silver, a partner at the law firm of Spencer Fane.