The MBA reports mortgage application payments rose to $2,070 in January, ending a seven-month affordability improvement streak, despite lower rates and stronger wage growth
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
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