DSCR loans once allowed coverage ratios as low as 0.65, but 2023-24 vintage stress is pushing lenders toward stricter underwriting and interest-only structures.
Almost 75% of brokers reported growing non-QM volume in their business over the last three years, and just 3.7% said volume decreased, according to AD Mortgage.
The change aims to address hurdles in the onboarding process, which many have cited as a point of friction in mortgage servicing.
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DSCR loans now make up nearly a third of non-QM issuance, but rising rates and thinning yields could expose hidden risk, writes the Chairman of Whalen Global Advisors.
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Social media has reshaped what buyers expect from starter homes, fueling a perception crisis, according to the SVP at Mphasis Digital Risk.
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State mortgage regulators are favoring fines over fair, balanced supervision, and need a coordinated overhaul, according to the head of the CHLA.
Here are the 50 most prolific mortgage originators in the U.S. as measured by units produced, according to the 2026 National Mortgage News Top Producers survey.
Here are the 50 women who did the most dollar volume for the previous 12 months in this year's Top Producers survey.
Banks and credit unions are pairing AI-driven efficiency with stable staffing and cross-training to scale mortgage production as originations rebound and technology expands capacity.
More mortgage professionals told National Mortgage News they expect their companies to hire, or stand pat, rather than fire workers this year.
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If approved, the deal can provide relief for the approximately 662,000 individuals affected by an incident at the mortgage vendor last November.
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The bill was one of three filed on Thursday aimed at reforming the two government-sponsored enterprises, all of them from Representative Scott Fitzgerald, a Wisconsin Republican.
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The Consumer Financial Protection Bureau is overhauling its consumer complaint portal after receiving 6.6 million complaints last year, more than double the 3.2 million in 2024, citing abuse by credit repair firms and social media influencers.
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Disclosures from the housing-finance giants show their duration gaps — a measure of how closely assets, liabilities and hedges offset one another — have widened sharply in recent months, leaving their holdings more exposed to rate swings.
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UPCOMING LIVESTREAMThursday, July 30, 202612:30 p.m. / 9:30 a.m.Kevin Warsh set the table for change. Marvin Loh, managing director at State Street, discusses the FOMC meeting and Warsh's press conference.
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ON-DEMAND VIDEOThe FOMC meeting will be interesting as Kevin Warsh takes the chair. KBRA Chief Strategist Van Hesser will review the meeting, the presser and the new dot plot.
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ON-DEMAND VIDEONima Ghamsari, Co-founder and CEO, Blend, discusses agent first mortgage operations and what it means for lenders today.
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