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Mortgage Bankers Association

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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Mortgage demand drops, but refi share reaches highest level since September

HWmember, Mike Fratantoni, Mortgage, Mortgage applications, Mortgage Bankers Association, Origination, Purchase Applications, Refinancing /

Mortgage applications decreased 3.8% from one week earlier, according to data from the Mortgage Bankers Association (MBA)’s weekly mortgage applications survey for the week ending Dec. 12. On an unadjusted basis, the index decreased 5% compared with the previous week. The refinance index decreased 4% from the previous week and was 86% higher than the

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MBA presses FHFA to drop tri-merge credit report rule

Credit reporting, Industry News, Mortgage Bankers Association, Originations /

The Mortgage Bankers Association is standing firm on its initiatives to help lenders find credit-report cost relief with its latest call to eliminate the tri-merge purchase requirement for a segment of borrowers.  Processing Content In a letter addressed to Federal Housing Finance Agency Director Bill Pulte in mid December, MBA requested that the regulator, which

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ROAD to Housing Act dropped from NDAA, sparking trade group response

Community Home Lenders of America, Congress, House of Representatives, HWmember, Legislation, LendingLife, Mortgage, Mortgage Bankers Association /

The ROAD to Housing Act was left out of the 2026 National Defense Authorization Act (NDAA) in the final House text released Sunday, leaving the mortgage industry to continue pushing for housing provisions into the first quarter of next year.  The bipartisan bill — which includes policies to address housing affordability, boost supply, modernize financing

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MBA voices support for proposed cut to community banks’ leverage ratio

Community Bank, Federal Deposit Insurance Corporation, Federal Reserve, HWmember, Mortgage, Mortgage Bankers Association, Office of the Comptroller of the Currency, Regulatory, Regulatory Compliance /

Late last month, federal banking regulators proposed lowering the Community Bank Leverage Ratio (CBLR) for qualifying community banks and bank holding companies from 9% to 8% while extending the timeframe for certain banks to remain in the program. The Office of the Comptroller of the Currency (OCC), the Federal Reserve and the Federal Deposit Insurance

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After another lapse in coverage, trade groups urge Congress to pass long-term NFIP bill

ALTA, American Bankers Association, Congress, Flood insurance, HWmember, Legislation, Mortgage, Mortgage Bankers Association, National Flood Insurance Program /

Last week, the Mortgage Bankers Association (MBA) and 14 other trade groups representing insurance companies, lenders and other financial institutions urged Congress to approve a long-term reauthorization of the National Flood Insurance Program (NFIP). In a letter to congressional leaders dated Dec. 2, the organizations said that millions of U.S. homeowners depend on the federally

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MBA lays out proposed changes for federal reverse mortgage programs

FHA, Ginnie Mae, HECM, HMBS, HUD, HWmember, LendingLife, Mortgage Bankers Association, Reverse, Reverse Mortgage Daily /

The Mortgage Bankers Association (MBA)’s proposals to reform federal reverse mortgage programs include seven key recommendations — ranging from the creation of a new securitization option to charging insurance premiums based on the actual amount drawn.  In October, the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA) and Ginnie Mae

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Tech Pulse: MLS AI debate; CoStar disputes Zillow announcement

Artificial Intelligence, ChatGPT, Compass, CoStar Group, eXp Realty, HWmember, Mortgage, Mortgage Bankers Association, Real Estate, Technology, United Wholesale Mortgage, Zillow /

Welcome back to Tech Pulse — HousingWire‘s weekly series rounding up the latest in technology news, including tools, integrations and trends that impact mortgage and real estate. Here’s what happened this week: It’s up to MLSs to decide if the Zillow-ChatGPT integration violates IDX policies The National Association of Realtors (NAR) said individual MLSs must determine whether Zillow’s ChatGPT integration

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ARM, refinance activity buck the trend of declining mortgage demand

HWmember, Joel Kan, Mortgage, Mortgage applications, Mortgage Bankers Association, Mortgage Rates, Origination, Purchase Applications, Refinancing /

Mortgage applications decreased 0.3% from one week earlier, according to data from the Mortgage Bankers Association (MBA)’s weekly mortgage applications survey for the week ending Oct. 17. On an unadjusted basis, the index decreased 0.2% compared with the previous week. The refinance index increased 4% from the previous week and was 81% higher than the same

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TransUnion pushes back on single-pull mortgage credit proposal

Bob Broeksmit, credit report, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Origination, TransUnion /

Credit bureau TransUnion is pushing back against the idea of replacing the current tri-merge mortgage credit model with a single credit pull, arguing that the shift would increase systemic risk and restrict access to credit. The conclusion comes from a TransUnion study released during the Mortgage Bankers Association (MBA)’s Annual Convention and Expo, as the

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