Ryan Dempster, president and CEO of Willamette Valley Bank, cited competition and elevated interest rates as factors that drove the bank away from mortgage lending.

The total delinquency rate declined by 3 basis points on a monthly basis to 3.65% as of the end of January, according to Intercontinental Exchange.

According to Inside Mortgage Finance’s Large Servicer Delinquency Index, the overall delinquency rate increased by 46.6 basis points from the end of September, hitting 3.29% at the end of 2025.

The spike in income compared with the third quarter was largely due to changes in the value of mortgage servicing rights.

Angel Oak Mortgage REIT generated $11.3 million of net income in the fourth quarter of 2025.

“Low interest rates will solve the Biden-created housing problem while at the same time protecting the values of those people who already own a house,” President Trump said.

Framework Ventures operates a decentralized finance ecosystem known as Sky, which links stablecoins with various types of assets.

Home prices increased by 0.1% on a monthly basis in December, according to the Federal Housing Finance Agency.

The fourth-quarter total was skewed by Capital One, which reported $484.8 million in mortgage-banking income in the quarter.

Using a single score or bi-merge increases the uncertainty in assessing borrower risk, with direct implications for loan pricing and underwriting decisions, according to a study by Andrew Davidson & Co.