The net share of consumers who think interest rates will decline in the next 12 months was only 2% in September.

Greg Sher, a managing director at NFM Lending, warned about potential parallels between the expanded-credit market and the non-agency market in the runup to the crash of 2008.

By eliminating its bank holding company, Flagstar Bank will drop the Federal Reserve as a regulator.

FHA is supporting some manual endorsement actions that lenders cannot process themselves.

Home equity lending in 2025 is on track to surpass 2022 as the post-financial crisis peak for production.

Bob Broeksmit, president and CEO of the Mortgage Bankers Association, said it remains to be seen if FICO's move will result in materially lower costs.

FHA and VA mortgages tend to have sharply different prepayment rates but they're put together in Ginnie MBS, potentially penalizing FHA borrowers.

FHFA Director Bill Pulte said credit bureaus and VantageScore should follow FICO and take creative and constructive actions.

Some lenders are consistently avoiding delivering certain GSE-eligible mortgages to Fannie Mae or Freddie Mac.

FHA and the GSEs stressed lending and servicing options for individuals facing an employment furlough.