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December 2025

Vacancies fuel a rise in commercial loan delinquencies

CMBS, Commercial mortgages, Multifamily, Servicing /

Commercial and multifamily delinquency rates increased in each of the first two quarters this year, but delivered a mixed bag in the third quarter. Greater vacancies have consistently caused delinquency rates on commercial mortgage-backed securities and multifamily loans from the government sponsored enterprises to increase since the pandemic, while other companies have benefitted from stabilizing […]

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GAO to investigate FHFA’s Pulte over mortgage fraud claims

GAO to investigate FHFA’s Pulte over mortgage fraud claims

Regulation and compliance, Trump administration /

Bloomberg News Key Insight: The Government Accountability Office agreed to investigate Federal Housing Finance Agency Director Bill Pulte at the request of eight Democratic senators, who claim Pulte used his power to target President Trump’s political opponents.  What’s at Stake: Federal government employees are trained extensively on issues related to the public disclosure of private

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Mortgage rates move lower in advance of FOMC meeting

Economy, MARKETING TO BORROWERS, Mortgage Rates, Originations /

Mortgage rates again have moved lower, but given how the 10-year Treasury yield increased in the past eight days, prior to next week’s Fed meeting, this might be transitory. “Mortgage rates decreased for the second straight week as we emerged from the Thanksgiving holiday,” said Sam Khater, Freddie Mac’s chief economist in a press release.

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California tops list of riskiest housing markets

Home Prices, Housing affordability, Housing markets, Originations /

Affordability remains one of the largest hurdles the housing market faces, and no state struggles more than California. A new report from Attom found 16 of the 50 highest risk markets — those more vulnerable to declines in home affordability, equity and other measures — were in California, followed by nine in New Jersey, four

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Senator seeks to tap foreign visa program to ease housing costs

Homebuilders, Housing Inventory, Politics and policy, REALTORS & HOMEBUILDERS /

Arizona Senator Ruben Gallego wants to use an employment-based visa program to draw more foreign investment into the US housing market, the latest proposal from Washington aimed at easing an affordability crunch caused by years of underbuilding and higher mortgage rates.  Gallego – a Democrat whose travel to key states this year spurred speculation of

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New York has most expensive ZIPs for renters looking to buy

Housing markets, Underwriting /

Only a handful of ZIP codes in the nation’s largest metros remain affordable for would-be homeowners. Movingplace found that just three of the 150 most populous ZIP codes had median home prices low enough to keep mortgage payments under 28% of income, a common benchmark for affordability.   Conforming mortgage guidelines call for a 28%

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Bank servicers lead new J.D. Power digital app rankings

Marketing, Mortgage technology, Servicing /

Bank mortgage servicers dominate the top of the first ever J.D. Power U.S. Mortgage Servicer Digital Experience Study, highlighting the slower industry-wide adoption of mobile apps in this area. The bank lenders have had mobile apps in the marketplace much longer than most non-banks. Of the 17 mortgage servicers that received scores, seven of the

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Nations Direct agrees to settlement over 2023 data breach

Cyber attacks, Cyber security, Data breaches, Law and legal issues, Mortgage technology, Technology /

Wholesale lender Nations Direct Mortgage will settle a class action suit resulting from a 2023 cyberattack that led to the leak of personal data belonging to more than 83,000 consumers. The Henderson, Nevada-based business first began notifying victims and regulators in the months following a one-day cyber incident took place in late December 2023. Following

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How Fannie, Freddie product mix could shift with a stock offering

Capital markets, Originations, Politics and policy, Secondary markets, The Great American Mortgage Corporation /

Even as the regulator for Fannie Mae and Freddie Mac floats new product ideas, the enterprises’ overall footprint has stayed fairly steady. Still, some experts think more shifts could be ahead as they move closer to a public offering. As is the case with many aspects of their business, a balance will need to be

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The 3 Housing Market Questions Coming Up at Every Gathering This Season

The 3 Housing Market Questions Coming Up at Every Gathering This Season

Affordability, For Buyers, For Sellers, Inventory /

Whether it’s at a family gathering, your company party, or catching up with friends over the holidays, the housing market always finds its way into the conversation. Here are the top three questions on a lot of people’s minds this season, and straightforward answers to help you feel more confident about the market. 1. “Will

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