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Short Takes: Unemployment Rate Rises / Applications for New Home Purchases Increase / Homebuilders Ramp Up Incentives / Ellington Offers Large Expanded-Credit MBS

December 16, 2025
Brandon Ivey
The unemployment rate increased from 4.4% in September to 4.6% in November.
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Trump Admin Reorients FSOC to Growth and De-Regulation

December 12, 2025
Brandon Ivey
“The council is working with member agencies to consider where aspects of the U.S. financial regulatory framework impose undue burdens and where they harm economic growth, thereby undermining financial stability,” Scott Bessent, secretary of the Treasury Department, said of the Financial Stability Oversight Council.
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Short Takes: Bondi Says DOJ Isn’t Investigating FHFA Director Pulte / Fitch Affirms Ratings on Large Nonbanks / New Compliance Dataset From MISMO / FoA Receives Boost From Blue Owl

December 12, 2025
Brandon Ivey
“There is no investigation into Bill Pulte,” wrote Pam Bondi, U.S. attorney general.
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Fed’s Rate Cut Not Expected to Help Mortgages Much

December 11, 2025
Brandon Ivey
Interest rates on mortgages are expected to remain in a narrow band in the next few years.
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GSEs Update Guidelines Tied to Fraud

December 11, 2025
Brandon Ivey
Fannie and Freddie issued separate updates aimed at identifying and preventing fraud in mortgage transactions.
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NCRC Launches Fair Lending Tip Line

December 10, 2025
Shannon Clark
The National Community Reinvestment Coalition is accepting confidential tips and will investigate fair lending issues.
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Short Takes: Foreclosures Slow in November / Equifax Offering Income, Employment Verification Earlier / Democrats in Congress Want to Hear From Vought / Another Bite at the Apple for HECM Comments

December 10, 2025
Brandon Ivey
Foreclosure filings declined by 3% on a monthly basis in November.
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Borrowers Struggling to Catch Up From DQs

December 9, 2025
James Dohnert
Foreclosure rates in key metros are on the rise, leading to growing concerns for homeowner stability.
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Sen. Warren Counting on CFPB Bouncing Back

December 9, 2025
Shannon Clark
“[When] we have a different administration, an administration that believes in enforcing the law, an administration that believes in a level playing field, the apparatus is all there to turn [the CFPB] back on,” Warren said.
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Short Takes: Freedom Plans Debt Offering / Unlock Brings Large HEI Securitization / MFA Offers Its Largest Expanded-Credit MBS of the Year / Mortgage Fraud Case Against NY AG Falters

December 5, 2025
Brandon Ivey
The amount, coupon and maturity of Freedom Mortgage's planned debt offering will be determined at the time of issuance, according to Fitch Ratings.
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