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.

The shift in credit scores was driven by refinance activity.

The combined entity of Rocket and Mr. Cooper overtook UWM for GSE loan sales in 2025.

The promised of increased MBS purchases by Fannie and Freddie is already having an effect on mortgage interest rates.

The directive will make the GSEs "noneconomic" buyers of agency MBS.

Issuance of agency mortgage-backed securities increased by 10.8% on an annual basis to $1.235 trillion in 2025.

United Wholesale Mortgage issued $145.24 billion of agency MBS in 2025.

Some 69.8% of mortgages originated during the third quarter of 2025 were securitized.

Home prices declined on an annual basis in 2025 in 35 of the largest 100 markets in the country, according to Intercontinental Exchange.

Urban Institute researchers said in a recent report that only strategies that catalyze new construction can truly address the housing affordability problem.