Scaling from Freelancer to Business Owner

Even to the detriment of greater profits, the sector is offering ultra-low terms via temporary buydowns combined with larger forward commitments. View the full article

Finance of America is buying Onity's MSRs and loan pipeline in this niche as PHH retains its role as a subservicer and remains involved in buyout securitization. View the full article

Sales of previously owned homes in the US rose in October to the fastest pace in eight months, as buyers took advantage of lower mortgage rates and gained the upper hand over sellers in some markets. View the full article

Non-QM's rapid rise is reshaping how lenders underwrite and manage risk, setting a model the rest of the industry will follow, writes the founder of Prudent AI. View the full article

Renters can now enroll in CreditClimb through Zillow to have their on-time rent payments reported to the three major credit bureaus. View the full article

The average premium increase is 64% or $600 a year more, and in some states the rate would go up by more than $1,000, the comparison shopping platform found. View the full article

New private-label bonds collateralized by loans made outside the qualified mortgage definition hit highs for the month, quarter and year, CreditFlow data shows. View the full article

An influx of adjustable-rate and cash-out refinance mortgage programs during the month pushed the Mortgage Credit Availability Index 0.7% higher in November. View the full article

Higher unemployment has driven these indications of distress higher but most loans that financial institutions hold in their portfolios are still performing. View the full article

Michael Hutchins, the two-time interim chief executive at the government-sponsored enterprise, will remain with the company in his role as president. View the full article

Existing-home sales in the US barely rose in November, as a recent moderation in price growth and mortgage rates motivated buyers at the margin. View the full article

A California judge dismissed 13 claims against United Wholesale Mortgage that alleged the lender disclosed personal information to third parties. View the full article

The announcement follows Realpha's two previous mergers with mortgage brokerages, as well as its purchases of AI firms and title businesses. View the full article

The 30-year fixed rate mortgage dropped 3 basis points this week, its lowest level since October and just over its 52-week bottom, Freddie Mac reported. View the full article

The bank regulator is proposing to strengthen national preemption in the wake of conflicting decisions in related court cases. View the full article

The Consumer Financial Protection Bureau will face an existential crisis in 2026 between the The President administration's efforts to shut down the agency and the employee union and consumer advocates who want to stop them. View the full article

Mortgage lenders test crypto-backed mortgages as Fannie Mae and Freddie Mac review digital assets in underwriting, weighing risk, non-QM loans and access for nontraditional homebuyers. View the full article

Some action items could make a big difference for both mortgage lenders and consumers, but the The President Administration is not yet focused on these concerns. View the full article

Here are the most-read stories from National Mortgage News over the past year. View the full article

Following the resignation of CEO Patrick Donlon as the result of a settlement, Yield Solutions Group has taken operational control of Trusted American Mortgage. View the full article

For 2026, most Wall Street interest-rate strategists expect stable-to-higher Treasury yields as the Fed's rate-cutting cycle comes to an end. View the full article

The accusations, relating to the lender's marketing programs, including trips for brokers as things of value, stem from a larger racketeering complaint. View the full article

The megabank's net income declined by 13% during the fourth quarter as a result of a $1.2 billion pre-tax loss on sale related to the divestiture of its remaining operations in Russia. View the full article

Rates actually declined or remained flat over a two-year period in 15 states, including Florida, with natural disasters and tariffs affecting 2026's movements. View the full article

Federal Reserve Chair Jerome Powell acknowledged skepticism around the central banks large-scale asset purchases during the pandemic, noting the Fed likely "should have stopped" sooner, but fell short of admitting that the purchase of MBS' contributed to housing disparities. View the full article