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ICE Mortgage Technology

ICE’s First Look report shows mortgage performance is strong despite FHA strain

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The mortgage market remains largely resilient — with delinquencies and foreclosures still below long-term averages — even as performance among Federal Housing Administration (FHA) loans continues to weaken. That’s according to ICE Mortgage Technology’s First Look report on September mortgage performance data. The data, released Friday, show the national delinquency rate — loans 30 or […]

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Mortgage leaders discuss consolidation, AI at MBA convention

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Navigating change and technological transformation took center stage this week at the Mortgage Bankers Association‘s annual convention in Las Vegas, where industry leaders discussed consolidation, artificial intelligence and how to keep pace with shifts across the mortgage landscape. Bill Emerson, president of Rocket Companies and moderator of the session, opened the discussion by noting that

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Senior homeowner wealth hits new record high of $14.4 trillion

Home Equity, HWmember, ICE Mortgage Technology, Mortgage, NRMLA, Reverse, Reverse Mortgage Daily, RiskSpan /

U.S. homeowners 62 and older saw their housing wealth grow by 4% in the second quarter of 2025 to a total of $14.39 trillion. That’s according to the latest quarterly report released Friday by the National Reverse Mortgage Lenders Association (NRMLA) in conjunction with data analytics firm RiskSpan. The previous record for senior-held home equity was $14.18 trillion

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Rising insurance costs deepen homeownership strain

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Homeowners are spending a growing share of their mortgage payments on property insurance, which is now rising faster than principal, interest and taxes, according to the September ICE Mortgage Monitor. Data shows that annual property insurance payments for single-family mortgage holders now average nearly $2,370. That amounts to 9.6% of monthly mortgage-related expenses, the highest

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With a Fed rate cut likely, how big could the refinance wave be?

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Mortgage rates at their lowest levels in nearly a year are driving a wave of refinance opportunities for lenders ahead of the Federal Reserve’s expected rate cut next week. The shift is encouraging more borrowers to leave the sidelines, with small rate moves already triggering meaningful activity. “Refinance businesses increased significantly from the first quarter,

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Drive better borrower retention with updated mortgage technology

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Homeowners are currently sitting on an unprecedented amount of equity, resulting in higher demand for home equity loans and lines of credit. And with interest rates expected to decline, refinancing and even new home purchases are on the rise. For lenders, retaining existing customers can be just as important as acquiring new ones. However, in

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The end-to-end Advantage: How ICE Mortgage Technology Is redefining mortgage innovation

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ICE Mortgage Technology is building the future of housing finance with an integrated solution suite powered by automation, advanced data, and AI. By evolving its Encompass platform with modern APIs and fostering a collaborative partner network, the company is simplifying the entire mortgage process, assisting lenders and servicers to deliver an exceptional borrower experience. Spearheading

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Tech Pulse: eXp’s digital twin trend; lenders urged to build AI compliance

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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: eXp Realty embraces digital twin tech to transform workflows eXp Realty isn’t dabbling in AI — it’s making digital twins a companywide mandate. CEO Leo Pareja and eXp

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4 steps to take before the next mortgage market shift

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Having spent decades navigating the ups and downs of the mortgage industry, I’ve learned that challenging market conditions offer two choices: stand still and hope for improvements or go on the offensive and invest in positioning your company for long-term success. Today’s market represents one of those pivotal moments, with recent data indicating slower home

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Why are some vendors dragging their feet on the ICE SDK transition?

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It isn’t news that ICE Mortgage Technology had planned to shut down some of its older tech systems — mainly the Encompass SDK — by Oct. 31, 2025. Users were supposed to switch to newer, API-based technology called Encompass Partner Connect (EPC) by that deadline. Now, the Halloween deadline has been pushed. Instead of 2025,

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