Short Takes: CFPB Offers HMDA Reporting Extension / Home Sales Slow in Mid-Atlantic / Few Homebuyers Shop for Lenders December 11, 2025 Brandon Ivey Filing deadline for third-quarter HMDA data has been extended to Dec. 12.Read More
Locks for Refis Trail Off in November December 10, 2025 Brandon Ivey Locks for rate/term refis were down 34.3% on a monthly basis.Read More
Citi Broadens Prime Non-Agency MBS Issuance With Higher LTV Ratios December 10, 2025 Brandon Ivey The average combined LTV ratio for loans in the pending $365.0 million MBS from Citi is 82.8%.Read More
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.Read More
Short Takes: Housing Trust Fund Allocation Later This Year / Milliman Acquires MorVest Capital / Monthly Mortgage Payments Rise / Chase Preps Jumbo MBS December 9, 2025 Brandon Ivey and James Dohnert Housing Trust Fund allocations for 2026 were just announced, months behind the usual timeline.Read More
Housing Legislation in Congress Will Wait Until 2026 December 8, 2025 Brandon Ivey Republicans in the House balked at including the ROAD to Housing Act in a defense spending bill.Read More
Credit Bureaus Have Big Expectations for VantageScore December 5, 2025 Brandon Ivey Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO.Read More
Broker Share of Originations Ticks Up in Third Quarter December 5, 2025 Brandon Ivey Only the broker channel managed to increase production in the third quarter, up 1.1% from the second quarter to $96.0 billion.Read More
Homebuilder Hovnanian Takes Quarterly Loss, Margins Shrink December 5, 2025 Brandon Ivey Buydowns on mortgages are eating into Hovnanian Enterprises' margins.Read More
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.Read More