Finance

Improved digital communications in transfers could help mitigate one growing risk for servicers, which also could face a less friendly rate and credit scenario.

Technology centered on addressing certain key mortgage priorities stand to attract the greatest attention from venture capitalists and other investors.

Lenders will need to lean on alternative products as limited mortgage rate relief keeps some consumers on the sidelines, but others will tire of waiting and act.

Alternative documentation accounts for 37.9% of the pool balance, compared with 24.6% on the 2024-NQM4 deal.

Companies' new uses for AI, regulators' responses to past cyber incidents and wider acceptance of digital collateral were among the year's top developments.

The scorecard the Federal Housing Finance Agency draws up yearly applies to two influential loan buyers and an entity overseeing the fungibility of their bonds.

Sales of bonds earmarked for supplemental coverage of large windstorms, earthquakes and other events totaled $17.7 billion, up 7% from the previous record set a year ago.

Releasing the GSEs from government conservatorship is on the agenda for the incoming Trump administration. Doing so could threaten the 30-year fixed rate mortgage.

The residential market is expected to face challenges from stubbornly high mortgage rates and limited supply in 2025, particularly after Fed Chair Jerome Powell's comments on Wednesday indicating fewer rate cuts are coming.

The senior vice president who played a key role in instituting an industry scorecard passes on some insights with future relevance as she prepares to depart.