Foreclosure filings increased by 14% on an annual basis in 2025.

“There are a number of companies that have thrown out the rule book, if you will,” said Christy Soukhamneut, a consultant.

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.

“As part of those efforts, next week at Davos I’m going to provide much more detail about our housing policy so that every American who wants to own a home will be able to afford one,” President Trump said.

The shift in credit scores was driven by refinance activity.

Issuers of non-agency MBS are in the market with expanded-credit, prime and closed-end second offerings.

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

Some $8.65 billion of single-family rental securitizations were issued in 2025.

Locks for purchase mortgages and rate-term refinances declined at a similar pace.

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