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Mortgage Bankers Association

Single-file credit proposal reignites debate over savings vs risks

Bob Broeksmit, Community Home Lenders of America, credit report, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Origination /

A proposal to replace the longstanding tri-merge credit report with a single-file model has reignited debate over borrower costs and systemic risk, placing trade associations on opposing sides. Supporters argue a single pull would encourage more predictive credit data and reduce systemwide costs without materially increasing risk in some cases, noting that mortgage servicing rights […]

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The Mortgage Collaborative, MBA partner to expand advocacy efforts

HWmember, Mortgage, Mortgage Bankers Association, Partnerships, The Mortgage Collaborative /

The Mortgage Collaborative (TMC) and the Mortgage Bankers Association (MBA) on Monday announced a partnership aimed at expanding advocacy, education and engagement opportunities for independent mortgage lenders. The Mortgage Collaborative, the largest independent cooperative network for mortgage lenders, said the partnership is designed to strengthen connections between independent lenders and national industry advocacy efforts. Under

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MBA’s Broeksmit says credit bureau trade group “gaslit” mortgage industry

Bob Broeksmit, Credit Score, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Origination /

Mortgage Bankers Association (MBA) President and CEO Bob Broeksmit took the stage at the trade group’s IMB26 Conference in Florida to say that its members and he himself have “just been gaslit by the trade association that represents the credit bureaus.” The MBA has proposed that lenders submit a single-bureau credit pull for loans sold

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Trade groups urge White House to lower FHA premiums, ease loan fees

Affordability, credit report, FHA loan, Government Lending, HWmember, Independent Community Bankers of America, Mortgage, Mortgage Bankers Association, Mortgage insurance, Regulatory, Trump administration, White House /

Multiple mortgage lending trade groups are urging the White House to take administrative steps to lower the costs of home loans, arguing that federal regulations have driven up borrowing expenses as affordability worsens. In a letter sent Wednesday to White House National Economic Council Director Kevin Hassett, the Mortgage Bankers Association, America’s Credit Unions and

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Trump to outline housing affordability proposals at Davos

Affordability, Community Home Lenders of America, Donald Trump, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, Regulatory, Trump administration /

Housing industry participants will closely watch President Donald Trump in Davos, where he is expected to outline measures aimed at improving housing affordability. His speech is expected for Wednesday. Potential initiatives include ideas Trump has already floated on social media, such as encouraging Fannie Mae and Freddie Mac to expand their purchases of mortgage-backed securities

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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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FHFA Director Pulte criticizes credit bureau pricing

Bill Pulte, Credit Score, Equifax, Experian, FICO, HWmember, LendingLife, Mortgage, Mortgage Bankers Association, TransUnion /

Bill Pulte, the director of the Federal Housing Finance Agency (FHFA), took to the social media platform X on Monday to seemingly call out credit bureaus for their pricing. “I do not understand what the credit bureaus are doing with their pricing — they are inviting a lot of scrutiny that is only intensifying by

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MBA welcomes Alexandra Brinton as chief financial officer

MBA welcomes Alexandra Brinton as chief financial officer

Career advancement, Career moves, Industry News, Mortgage Bankers Association /

The Mortgage Bankers Association is starting 2026 with a major leadership appointment, appointing an experienced accounting executive to chief financial officer.  Processing Content The industry trade group welcomed Alexandra Brinton to the role of vice president, chief financial officer. With a background working for a variety of trade and nonprofit organizations, she will be responsible

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Mortgage applications fall 5% despite rate decline

HWmember, Mike Fratantoni, Mortgage, Mortgage applications, Mortgage Bankers Association, Mortgage Rates, Origination, Purchase Applications /

Mortgage applications decreased 5.0% from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) weekly mortgage applications survey for the week ending Dec. 19, 2025. On an unadjusted basis, the index decreased 6% compared with the previous week. The refinance index decreased 6% from the previous week and was 110% higher than

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Fannie Mae ups mortgage originations outlook

Fannie Mae, Mortgage applications, Mortgage Bankers Association, Originations, Secondary markets /

Fannie Mae revised its 2026 mortgage expectations marginally upward, with borrower interest in refinances, in particular, more likely to provide opportunities following the more muted activity of the past few years. Processing Content In its December housing outlook, the government-sponsored enterprise increased its forecasted volume for total originations next year to $2.37 trillion after a

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