The lock-in effect is expected to thaw and boost originations, but first-time homebuyers still look to be priced out of the market next year.

Loan officers expect a decline in mortgage rates to push more buyers off the sidelines in 2026.

Thom Malone, principal economist at Cotality, said in a report that investors are waiting until a home has been sitting on the market so they can negotiate a lower price.

More than half of Millennials would consider a 50-year mortgage.

Issuers of consumer loan ABS are increasingly using VantageScore 4.0 because it detects potential delinquencies better than Classic FICO, according to officials at VantageScore.

The special servicing rate for office and mixed-use property loans held in commercial MBS saw the largest monthly deterioration.

Federal operations that were disrupted during the shutdown are expected to bounce back, helping lenders with loans stuck in their pipelines.

The fourth-largest credit bureau could help reduce the cost of credit report pulls for mortgage lenders.

New report from ICE said that 4.1 million mortgage holders could save at least 75 basis points by refinancing.