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November 2025

Rocket latest lender to add debt service coverage mortgages

Rocket latest lender to add debt service coverage mortgages

LOAN PRODUCTS, Originations, Rocket Mortgage, Underwriting /

Rocket Mortgage has come out with a debt service coverage ratio product in both its wholesale and retail channels, joining a rather competitive landscape of both non-qualified mortgage specialists and more traditional lenders like its rival United Wholesale Mortgage, that already serve investors looking to finance rental properties. Another recent entrant with a suite of […]

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Fed’s Miran: Banks should hold more Treasuries, less reserves

Fed’s Miran: Banks should hold more Treasuries, less reserves

Federal Reserve, Monetary policy, Politics and policy, Regulation and compliance /

Aaron Schwartz/Bloomberg Key Insight: Federal Reserve Gov. Stephen Miran said certain bank regulations are preventing the Fed from further shrinking its balance sheet. Expert Quote: “Trying to settle the ongoing debates on how monetary policy is best implemented before settling the regulatory framework is putting the cart before the horse.” — Federal Reserve Gov. Stephen

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Senate Banking Committee approves Hill to lead FDIC

FDIC, Politics and policy, Trump administration /

Key insight: Hill’s continued tenure at the FDIC isn’t likely to change the agency’s direction on bank policy.  Forward look: His nomination now goes to the full Senate, where he’s expected to be confirmed.  What’s at stake: Hill’s policies at the FDIC have included rescinding ILC rules and pursuing policies that he has said will

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Mortgage activity falls as rates tick up again

Mortgage applications, Mortgage Rates, Originations /

Consecutive weeks of mortgage rate increases suppressed refinance activity, causing a notable fall in mortgage applications, the Mortgage Bankers Association found. The MBA’s Market Composite Index, a measure of mortgage loan application volume,  decreased 5.2% on a seasonally-adjusted basis from one week prior for the week ending Nov. 14. On an unadjusted basis, the Index

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Figure files first blockchain-native equity to shake up equity stack

Cryptocurrency, IPOs, Mortgage technology /

Figure filed for a proposed offering of its new Blockchain Stock Monday, with hopes of disrupting the vertical equity stack. The Blockchain Stock will be a blockchain-native class of equity securities, trade on Figure’s alternative trading system and will be convertible one-for-one into shares of Figure’s Class A Common Stock, the company said in a

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Uneven signals mark a housing market stuck in neutral

Affordable housing, Housing markets, Underwriting /

High prices, tight affordability and general uncertainty continue to hold back would-be buyers. Redfin estimates that there approximately 500,000 more sellers are active in the market than buyers, giving the few active buyers more leverage on price and concessions. “Homebuying activity has stabilized at below-normal levels,” said Asad Khan, Redfin senior economist. “Many would-be homebuyers

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Trump taps OMB official as new nominee for CFPB director

Consumer banking, Politics and policy, Trump administration /

Key Insight: The nomination allows acting CFPB Director Russell Vought to bypass the Federal Vacancy Reform Act.  What’s at Stake: Vought has three weeks left before he reaches the 210-day limit to remain at the agency. With the nomination, he gets another 210 days and potentially can lead on an acting basis for 420 days.

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The Top 2 Things Homeowners Need To Know Before Selling

The Top 2 Things Homeowners Need To Know Before Selling

Expired/Withdrawn/Canceled, For Sellers, Price It Right/Overpricing, Selling Tips /

Here’s something you should know before you sell your house. The homeowners who win in today’s market aren’t the ones waiting it out or stepping back. They’re the ones who adapt from the start. A number of homeowners this year didn’t get the outcome they wanted. But it’s not because something’s wrong with the market.

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How long-term structural shifts are reinforcing build-to-rent’s tailwinds

Arbor Realty Trust, Housing Market, Real Estate, Sponsored /

Affordability challenges, evolving demographics, and shifting internal migration are profoundly changing the U.S. housing market, impacting not only renters but investors, too. These winds of change are sharply increasing demand for single-family rental (SFR) build-to-rent (BTR) communities, creating strong opportunities for commercial real estate investors. Economic factors encourage more households to rent High mortgage rates,

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Embracing innovation to thrive in shifting mortgage market

ICE Mortgage Technology, Mortgage, Origination, Sponsored, Technology /

Why innovation matters now In today’s market conditions, lenders who identify strategic opportunities and innovate their operations now stand to gain a competitive advantage. Historically successful lenders have accomplished this by focusing on customer experience, operational efficiencies and the agility to pivot when markets shift. But innovation doesn’t have to mean reinventing the wheel; it

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