Mortgage Bankers Association (MBA)

A group of trade associations is urging regulators to ease mortgage-related capital requirements, arguing reforms could restore bank participation in lending, servicing, and securitization, while strengthening housing affordability

New home purchase mortgage applications rose modestly in January, highlighting steady buyer demand and the growing role of new construction in supporting originations despite ongoing affordability constraints

Federal Reserve Vice Chair Michelle Bowman signaled forthcoming capital rule changes aimed at easing MSR treatment, and increasing risk sensitivity to strengthen banks’ participation in mortgage origination and servicing

Mortgage delinquencies nationwide rose to 4.26% in Q4 2025, with FHA loans driving the increase amid expiring relief measures and uneven labor market conditions

Expanded jumbo and Non-QM loan offerings drove a January rebound in mortgage credit availability as lenders loosened standards and positioned for the 2026 spring homebuying season, according to the MBA

A new agreement between The Mortgage Collaborative and the Mortgage Bankers Association expands advocacy, education, and engagement opportunities for independent mortgage lenders, while strengthening lender representation in national industry discussions