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Inside Mortgage Finance

January 8, 2026

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Agency Refi Market Rises to Three-Year High in 2025

UWM finished as the top agency seller in 2025, with annual volume up 22.2% from the previous year. Like many companies, its fourth-quarter sales rose dramatically thanks to heavy refinance volume. Read More

Mixed View on Fed Direction Clouds Mortgage Rate Projections

The Mortgage Bankers Association expects mortgage rates will remain in a narrow band this year while Fannie Mae forecasts declines. Read More

District Court Says Trump Admin Must Fund CFPB

A federal district court judge said a lapse in funding at the CFPB would make it impossible for the bureau to fulfill its obligations under an existing preliminary injunction. Read More

OCC Proposes Preempting State Laws on Escrow Interest

The federal regulator is seeking federal preemption of state laws requiring banks to pay interest on funds in mortgage escrow accounts. Read More

Healthy MMIF Fuels Debate Over Premiums

FHA’s annual audit revealed that the capital ratio of its Mutual Mortgage Insurance Fund remained strong in the 2025 fiscal year, prompting calls for the agency to reassess its life-of-loan premium policy. Read More

Appraisal Reforms Could Be Sticking Point in Congress

Appraisal reforms included in a Senate-approved housing package didn’t make it into a housing bill moving through the House. Meanwhile, the MBA raised concerns about the reforms in the Senate legislation. Read More

A Slowdown in Home Price Appreciation Presents a Buyer’s Market

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

Mortgage M&A Activity Expected to Rise in 2026

Mergers and acquisitions involving small- and medium-sized mortgage companies are expected to rise as large lenders look to scale operations during a more stable mortgage production environment. Read More

Trade Groups Back TCPA Reforms to Prevent Fraud

The Mortgage Bankers Association and other groups back a proposal from the FCC to modernize Telephone Consumer Protection Act rules. Read More

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