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January 2026

Treasuries slip ahead of jobs report, possible tariffs ruling

Economic news, Federal Reserve, Treasury bonds, Treasurys /

Treasuries slid as investors anticipated Friday’s December employment data and possible Supreme Court strike-down of tariffs that have improved the US fiscal position. Processing Content Yields across maturities were higher by less than three basis points after rebounding from session lows. US economic data showing improved productivity, weekly initial jobless claims near recent lows and […]

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Conforming mortgage rates should remain around 6% in 2026

Economy, MARKETING TO BORROWERS, Mortgage Rates, Originations /

Mortgage rates are starting 2026 marginally higher, according to Freddie Mac, with many observers expecting them to approach and possibly even move below the 6% barrier. Processing Content “In the first full week of the new year, mortgage rates remained within a narrow range, hovering close to the 6% mark,” said Sam Khater, Freddie Mac’s

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Mortgage credit slips from peak as conforming products retreat

LOAN PRODUCTS, Mortgage Bankers Association, Originations /

Loan credit availability increased from a year earlier but finished 2025 at its tightest in three months, as conforming products in particular took a notable dive, according to the Mortgage Bankers Association.   Processing Content Across-the-board pullbacks, led the MBA’s mortgage credit availability index to drop 2.6% in December to a reading of 104.7 from November’s

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CFPB raises HMDA exemption and escrow thresholds

CFPB News & Analysis, Regulation and compliance /

Lenders with less than $59 million in assets last year won’t have to share their home loan data with the government. Processing Content The Consumer Financial Protection Bureau on Wednesday raised its Home Mortgage Disclosure Act reporting exemption threshold by $1 million over the prior year, the smallest annual increase since 2023. The regulator, which

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Optimal Blue, lenders contest software price fixing claims

Law and legal issues, Mortgage technology /

Optimal Blue and dozens of lenders are poking holes in an antitrust case from borrowers, suggesting a core flaw in their claims in that the vendor doesn’t operate a pricing algorithm.  Processing Content Defendants including 26 of the industry’s most prominent originators hinted at their arguments Monday in their first formal response to the lawsuit

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Guild uses LoanBeam to speed non-QM income underwriting

LOAN PRODUCTS, Mortgage technology, Originations, Underwriting /

Guild Mortgage will be using Loanlogics’ LoanBeam NQM to assist in underwriting its non-qualified mortgage production by automating the income analysis process. Processing Content “Non-QM mortgages create greater potential for lender error due to the unconventional financial profiles of borrowers who don’t typically meet standard income, employment or credit criteria,” said Dave Parker, Loanlogics’ CEO,

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UWM offer pricing promo to brokers for its 40th anniversary

M&A, Marketing, MARKETING TO BORROWERS, Mortgage brokers, Originations, UWM /

United Wholesale Mortgage is running a pricing promotion in honor of its 40th anniversary. Processing Content Under this latest program, UWM 40, mortgage brokers have a 40-basis-point pricing incentive through the end of February on conventional, Federal Housing Administration, Veterans Affairs and U.S. Department of Agriculture mortgages. It can be applied to purchase loans as

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Walker & Dunlop, Pretium launch $250M affordable JV

Housing affordability, Industry News, Originations /

Walker & Dunlop is partnering with Pretium in a $250 million commitment to affordable multifamily housing. Processing Content Walker & Dunlop Affordable Bridge Capital, the joint venture, will originate flexible, short-term first-mortgage bridge loans for properties being acquired, refinanced or prepared for long-term government-affordable programs, such as low-income housing tax credit, Section 8 and tax-exempt

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FHA reverse mortgage properties go up for sale

Distressed, Reverse mortgages, Secondary markets, Servicing /

The Department of Housing and Urban Development will be selling thousands more reverse mortgages that have been called due-and-payable on occupied homes, continuing a practice that began late last year. Processing Content More than 2,500 nonvacant loans with a total principal balance around $730 million are going up for sale on Feb. 10. Until recently, department’s

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