Cotality’s fraud risk index grew 1.5% year-over-year in the fourth quarter of 2025, driven by a rise in issues with debt service coverage ratio loans.

The Cotality National Mortgage Application Fraud Risk Index was up 1.5% from the fourth quarter of 2024.

Fannie and Freddie representatives gave attendees at the MISMO Winter Summit a better sense of the timeline for fully implementing UAD 3.6 and UCD 2.0.

Housing experts expect the market to undergo a course correction after years of rapid home price increases.

Sellers are reluctant to give up their low-interest rates and are deciding to wait to list their home until the market improves.

The number of homeowners with negative equity increased in the third quarter, according to a new report by Cotality.

Foreclosure rates in key metros are on the rise, leading to growing concerns for homeowner stability.

Sellers are unwilling to budge on price and buyers are waiting for better deals or a shift in market, prompting more delistings.

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.

The Federal Housing Finance Agency, under the leadership of Bill Pulte, has made at least three criminal referrals to the DOJ about mortgage fraud, involving two Democrats.