Mortgage Bankers Association (MBA)

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

The Mortgage Bankers Association has endorsed the bipartisan Housing for the 21st Century Act, urging House members to pass the bill to improve housing affordability, expand FHA access, and modernize federal housing programs

Homebuyer affordability improved for the seventh consecutive month in December 2025, driven by lower mortgage payments and steady income growth, though regional and loan-type differences persist

The Federal Reserve held its benchmark rate at 3.50–3.75%, citing solid economic growth, persistent inflation, and a soft labor market, leaving mortgage rates largely steady