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Inside Mortgage Finance

January 29, 2026

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Originations Increase in Fourth Quarter With Refi Push

Production of first-lien residential mortgages increased by 17.3% during the fourth quarter of 2025. Refinances soared while purchase-mortgage activity declined as part of a seasonal trend. (Includes two data tables.) Read More

GSEs’ MBS Plan Prompts Revisions to Rate Forecasts

In mid-December, MBA was projecting interest rates would hold at 6.4% throughout 2026. However, MBA now anticipates the average rate will be 6.1% in the first quarter and hold at that level through the year. Read More

CDIA Sides With CHLA in Tri-Merge Debate

The trade group representing credit reporting agencies said MBA’s proposal to move to a single-bureau report is more about lowering costs for lenders than saving money for consumers. Read More

States Ramping Up AI Regulation in Mortgage Market

With states increasing their regulation of artificial intelligence, trade groups representing the mortgage industry are concerned state regulation will interfere with federal mandates. Read More

Some Gaps Remain in Mortgage Entities’ Cybersecurity

Most North American mortgage entities spend more of their technology budget on safeguarding consumers’ data than other financial entities, according to a recent survey from Moody’s Ratings. Read More

Political Parties Differ on Cause of Housing Affordability Issues

House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough. Read More

Texas Capital Bank Shifts Warehouse Loan Structure

Nearly 60% of the mortgage finance loans outstanding from Texas Capital Bank are in enhanced structures that carry lower capital requirements for the bank. Read More

Rate Charts AI Expansion in 2026 After Measured Approach

Nonbank lender Rate expects to expand the use of AI in its originations and sales processes this year. Read More

Trump Against Plan to Use 401(k) for Downpayments

President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment. Read More

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