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December 2025

Mortgage applications decline for second consecutive week

Mortgage applications decline for second consecutive week

Industry News, Mortgage applications, Mortgage Rates, Originations /

Homes in Centreville, Maryland.Nathan Howard/Bloomberg Home loan applications fell in consecutive weeks for the first time in two months, according to the Mortgage Bankers Association. Processing Content The MBA’s Market Composite Index, a measure of mortgage loan application volume, dropped 5% on a seasonally-adjusted basis from one week prior for the period ending Dec. 19. […]

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Fannie Mae ups mortgage originations outlook

Fannie Mae, Mortgage applications, Mortgage Bankers Association, Originations, Secondary markets /

Fannie Mae revised its 2026 mortgage expectations marginally upward, with borrower interest in refinances, in particular, more likely to provide opportunities following the more muted activity of the past few years. Processing Content In its December housing outlook, the government-sponsored enterprise increased its forecasted volume for total originations next year to $2.37 trillion after a

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OCC proposing interest on escrow preemption moves

OCC proposing interest on escrow preemption moves

Law and legal issues, Regulation and compliance, Servicing /

Jonathan Gould, who is now comptroller of the currency, during a Senate Banking, Housing, and Urban Affairs Committee confirmation hearing. Photographer:Tierney L. Cross/Bloomberg The Office of the Comptroller of the Currency is looking for feedback on two proposals asserting preemption in interest on escrow accounts used in real estate lending. Processing Content One proposal from

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Benchmark mortgage rate drops to second lowest point in 2025

Economy, MARKETING TO BORROWERS, Mortgage Rates, Originations /

A key mortgage rate fell to its lowest point since the end of October and was one basis point higher than its 2025 trough but remained in the same general range it has occupied in the fourth quarter, Freddie Mac reported. Processing Content “The average 30-year fixed-rate mortgage decreased further this week,” said Sam Khater,

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Redesigning the office to reduce stress

Employee productivity, Mental Health /

Key Insight: Discover how strategic office design interrupts “functional freeze” and boosts retention. What’s at Stake: Rising stress undermines productivity; poor design risks turnover and higher operating costs. Supporting Data: Over 80% of US employees report workplace stress, per OSHA. Source: Bullets generated by AI with editorial review Workplace stress has reached critical levels, with

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Email, despite complaints, remains ubiquitous

Client communications, Practice management, Technology /

Despite certain pronouncements otherwise, rumors of email’s demise have been gravely exaggerated, as recent data shows it is not only still around, it’s ubiquitous. Processing Content Over the years there have been many articles announcing email is dying or already dead and good riddance. Compared to options like dedicated messaging apps, chat platforms and social

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Private-label RMBS set for biggest year since crisis

LOAN PRODUCTS, Secondary markets /

Non-qualified mortgages have been driving private-label securities in recent years, representing nearly half of the market in 2025, and they and other PLS loan types are poised for further growth going into 2026. Processing Content This part of the residential mortgage-backed securities market has been on track to break a record in 2025 with a

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FHFA sees middle class lift in axing Biden housing goals

Fannie Mae, FHFA, Freddie Mac, Originations, Regulation and compliance /

The U.S. Federal Housing Finance Agency says its new housing goals will help more middle class families get mortgages after being disadvantaged by Biden-era quotas. Processing Content The government-sponsored enterprises could purchase notably fewer loans in minority Census tracts over the next two years, according to the regulator’s plans unveiled Tuesday. The FHFA however anticipates

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Fed chair should lower rates if the market does well, Trump says

Federal Reserve, Mortgage Rates /

Donald Trump said he expects his Federal Reserve chair to lower interest rates if the economy is doing well, the latest signal that the president is eager for a nominee committed to borrowing cost cuts as he nears an announcement of his choice to replace Jerome Powell. Processing Content “I want my new Fed Chairman

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