The trade group representing credit reporting agencies said MBA’s proposal to move to a single-bureau report is more about lowering costs for lenders than saving money for consumers.

With states increasing their regulation of artificial intelligence, trade groups representing the mortgage industry are concerned state regulation will interfere with federal mandates.

Most North American mortgage entities spend more of their technology budget on safeguarding consumers’ data than other financial entities, according to a recent survey from Moody’s Ratings.

House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough.

Nearly 60% of the mortgage finance loans outstanding from Texas Capital Bank are in enhanced structures that carry lower capital requirements for the bank.

Nonbank lender Rate expects to expand the use of AI in its originations and sales processes this year.

President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.

For both purchase mortgages and refis, GSE activity with private MI posted stronger performance than FHA in the fourth quarter of 2025. For the full year, trends differed, at least with purchase mortgages. (Includes three data tables.)

Rather than detailing new policies to address housing affordability, President Trump highlighted two recent announcements. He also warned that he could “crush” the housing market.

The appropriations committees in the House and Senate released a final draft of a bill to fund HUD for fiscal year 2026.