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Mortgage credit slips from peak as conforming products retreat

LOAN PRODUCTS, Mortgage Bankers Association, Originations /

Loan credit availability increased from a year earlier but finished 2025 at its tightest in three months, as conforming products in particular took a notable dive, according to the Mortgage Bankers Association.   Processing Content Across-the-board pullbacks, led the MBA’s mortgage credit availability index to drop 2.6% in December to a reading of 104.7 from November’s […]

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Guild uses LoanBeam to speed non-QM income underwriting

LOAN PRODUCTS, Mortgage technology, Originations, Underwriting /

Guild Mortgage will be using Loanlogics’ LoanBeam NQM to assist in underwriting its non-qualified mortgage production by automating the income analysis process. Processing Content “Non-QM mortgages create greater potential for lender error due to the unconventional financial profiles of borrowers who don’t typically meet standard income, employment or credit criteria,” said Dave Parker, Loanlogics’ CEO,

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Private-label RMBS set for biggest year since crisis

LOAN PRODUCTS, Secondary markets /

Non-qualified mortgages have been driving private-label securities in recent years, representing nearly half of the market in 2025, and they and other PLS loan types are poised for further growth going into 2026. Processing Content This part of the residential mortgage-backed securities market has been on track to break a record in 2025 with a

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Why 2026 could be the mortgage industry’s reset year

Distressed, LOAN PRODUCTS, Mortgage Rates, Mortgage technology, Originations, Regulation and compliance /

Several of the mortgage industry’s biggest story lines from 2025 are expected to take clearer shape in 2026, according to industry participants who shared their outlooks with National Mortgage News. Among the developments gaining traction are the potential arrival of the 50-year mortgage, the full rollout of credit score modernization and further consolidation after a

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Fannie expands ARM and renovation lending

Fannie expands ARM and renovation lending

LOAN PRODUCTS, Secondary markets /

Contractors repair the roof of a damaged home following a tornado in Earlington, Kentucky. Photographer:Luke Sharrett/Bloomberg Fannie Mae is broadening the parameters of its financing for adjustable-rate mortgage, renovation, manufactured housing and accessory dwelling units. Processing Content Fannie will no longer reject adjustable-rate mortgages in cases where the difference between the initial and fully-indexed rate of

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Lower rates drive best November lock activity in years

LOAN PRODUCTS, Mortgage Rates, Originations, Secondary markets, Underwriting /

Optimal Blue’s Market Volume Index, which tracks mortgage rate lock activity, fell below 100 in November for the first time since August, reflecting typical seasonal trends. Processing Content Still, aided by lower interest rates in the second half of the year, November marked the strongest reading for this metric since 2021, strong by any measure,

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Hometap’s new funding caps a big year for HEI growth

Hometap’s new funding caps a big year for HEI growth

Home equity loans, Industry News, LOAN PRODUCTS, Venture Capital /

Shared-appreciation contract provider Hometap announced a new capital raise this week, which comes at the end of a year when several tailwinds helped fuel growth for equity investment products and loans.   The Boston-based home equity investment platform this week secured $50 million in new funding led by affiliates of Gallatin Point Capital. The company plans

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ARM, refi products widen credit access

LOAN PRODUCTS, Mortgage Rates, Originations, Underwriting /

Mortgage credit availability ended November at its loosest since August 2022, driven by additions of adjustable rate and cash-out refinance products to lenders’ menu, the Mortgage Bankers Association said. The 0.7% month-to-month rise in the Mortgage Credit Availability Index continues a streak which for every month in 2025 except January it was above the 100

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Rocket, Rithm and Dynex are BTIG’s favorite mortgage stocks

Earnings, LOAN PRODUCTS, Mortgage technology, Originations, Stocks, The Great American Mortgage Corporation /

Rithm, Rocket and Dynex are BTIG’s favorite mortgage stocks heading into 2026 following a strong year for the industry’s publicly traded companies in general, driven by an accommodative Federal Reserve policy. That allowed industry stocks to rebound after the “Liberation Day” tariff announcements in April. “We expect earnings and stock valuations across the mortgage sector

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Industry pushes new HMBS to fix aging reverse loans

LOAN PRODUCTS, Originations, Secondary markets, Securitization, Underwriting /

A new type of reverse mortgage security needs to be created to accommodate Home Equity Conversion Mortgages that have reached the 98% maximum claim amount, a pair of industry organizations said in their respective responses to a government request for information. The RFI from the Federal Housing Administration and Ginnie Mae — along with their

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