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Inside Mortgage Finance

January 22, 2026

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Private MI Business Stronger Than FHA in 4Q

For both purchase mortgages and refis, GSE activity with private MI posted stronger performance than FHA in the fourth quarter of 2025. For the full year, trends differed, at least with purchase mortgages. (Includes three data tables.) Read More

Trump Sends Mixed Signals on Housing Affordability

Rather than detailing new policies to address housing affordability, President Trump highlighted two recent announcements. He also warned that he could “crush” the housing market. Read More

Congress Lays Groundwork to Tackle HUD Funding

The appropriations committees in the House and Senate released a final draft of a bill to fund HUD for fiscal year 2026. Read More

SCOTUS Skeptical of Trump’s Effort to Remove Cook at Fed

The Supreme Court heard oral arguments this week in the case involving whether President Trump can fire Federal Reserve Governor Lisa Cook. Many of the justices appeared to oppose Trump’s effort. Read More

GSE MBS Purchases Could Provide Only Temporary Boost

President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS. Read More

DSCR Loans Helping Fuel Expanded-Credit Lending

Industry participants discussed factors that led to debt service coverage ratio loans becoming commonplace last week at a conference. Read More

CHLA Prefers Retaining Tri-Merge Score Process

The trade group argues that a likely shift to a single-bureau credit pull may not actually lower rates and could add risk to the system. Read More

Trump Signs EO Targeting Wall Street-Backed Landlords

The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally. Read More

HUD Secretary on Defense at Oversight Hearing

Department of Housing and Urban Development Secretary Scott Turner was evasive as members of the House Financial Services Committee asked him to elaborate on his plans and achievements. Read More

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