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Home » Topics » IMFnews » Originations

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State Regulators Oppose OCC’s Proposal on Preemption

January 30, 2026
Shannon Clark
The proposals would preempt 12 state laws designed to discourage banks from inflating escrow-account balances as a source of interest-free funding.
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Short Takes: Trump Eyeing Home Price Appreciation / Broeksmit Critical of Credit Bureaus / Warsh Nominated for Fed Chair

January 30, 2026
Brandon Ivey
"We’re not going to destroy the value of their homes so that somebody that didn’t work very hard can buy a home," President Trump said Thursday. "We’re going to make it easier to buy. We’re going to get interest rates down, but I want to protect the people that for the first time in their lives feel good about themselves."
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Student Loan Obligations an Opportunity for Mortgage Lenders

January 29, 2026
James Dohnert
Many student loan borrowers are facing repayment requirements for the first time in years.
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Short Takes: Interest Rate Outlook / Homebuyer Confidence Lags / Batch Pricing Tool for FICO Scores / Employer Benefits for Housing

January 29, 2026
Brandon Ivey
Interest rates on mortgages are expected to remain in a narrow band in the near future.
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MBS Investors Waiting for Details on Trump Admin’s Plans

January 28, 2026
Brandon Ivey
"What we’re looking for is greater insight into what actions they may take," said Peter Federico, president, CEO and chief investment officer of AGNC Investment.
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Better on Track to Double Production, Stem Losses

January 28, 2026
Brandon Ivey
Better added that it expects to achieve profitability by September, with the performance measured on an earnings before interest, taxes, depreciation and amortization basis.
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State Regulators, MISMO Tout Benefits of New Dataset

January 28, 2026
Shannon Clark
The Mortgage Compliance Dataset is designed to streamline supervisory compliance examinations for home loans by establishing a common language for supervisory data exchange.
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Short Takes: Applications Slow / FHA Extends Waiver for Flood Requirements / Trump Admin Touts Home Price Depreciation

January 28, 2026
Brandon Ivey
Mortgage applications declined by 8.5% last week compared to the week prior.
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Mortgage-Related Complaints to CFPB Increase in Fourth Quarter

January 27, 2026
Shannon Clark
Some 6,836 mortgage-related complaints were filed with the bureau between October and December, up 9.7% from the third quarter of 2025.
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Credit Reporting Industry Supports Tri-Merge

January 27, 2026
Dennis Hollier
The trade group representing Equifax, Experian and TransUnion says they're not the source of rising credit score costs; FICO is.
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