Finance

Cross 2025-H3 has moderate leverage, according to KBRA, with a weighted average (WA) loan-to-value ratio of 72.3%, and a debt-to-income ratio of 33.5%.

The Buffalo, New York-based bank also said Monday that the commercial real estate lending market has started showing signs of life, but that the renewed competition is crimping its loan growth.

A bill being introduced by Sen. Catherine Cortez Masto, D-Nev., would compel the Federal Home Loan Bank System to contribute 30%, or a minimum of $200 million, of each bank's net earnings into affordable housing or other community development programs.

The notes will get credit enhancement from balances on the subordinate bonds, which are permitted to amortize.

Moderate leverage is one example of cleaner credit, as the current collateral pool's original loan-to-value (LTV) ratio is 69.1%, down from 71.7% on the 2024-NQM1 series.

Lenders and borrowers have taken advantage of the dips in interest rates, but the industry has long-warned of pain for players like home builders.

Industry experts with a reputation for making strong bets offer some picks and predictions for mortgage investment in a volatile market.

The GOP side of the Banking Committee, led by Sen. Tim Scott, asks FHFA head Bill Pulte to "aggressively" reduce waste at the government-sponsored enterprises.

The impact of tariff policy on the mortgage-backed securities market is likely to surface first in the cost of new housing construction.

Private lenders are looking for ways to expand their reach as their traditional market has become crowded, and nonconforming mortgage lending is an answer.

The underlying prime mortgages have an average balance of $358,024, a weighted average (WA) original FICO score of 776, an original cumulative loan-to-value (LTV) ratio of 73.6%.

Steel, aluminum, and automobiles already subject to Trump's duties will not face reciprocal tariffs. Lumber products expected to soon be hit with a tariff investigation will also be exempt.

Some members of the Senate, where the GOP majority is thinner, also are asking the Federal Housing Finance Agency to reveal more about planned mortgage reforms.

Publicly traded lenders, including UWM, Rocket Mortgage and Guild Mortgage, saw personnel expenses increase significantly throughout last year.

The deal is composed of 11,547 seasoned performing and reperforming loans that are first and second lien. Loan servicing includes a 180-day chargeoff feature.

The global asset manager wanted access to the smaller company's residential mortgage credit strategies, which will become available to a larger investor base.

Former Capital One Multifamily executive Grace Huebscher departed recently and the Federal Housing Finance Agency appointed a successor amid broader reform.

ACHM 2025-HE1 will repay notes using a pro-rata, sequential pay structure that must satisfy an overcollateralization test, and cumulative loss and delinquency triggers.

The most tangible concern is in the commercial real-estate market. But the rating agency's crystal ball is cloudy when it comes to single-family home loans.

In a paper, former central bank researchers make the case that the Federal Reserve could better support the Treasury market from disruptions in the cash-futures basis trade by hedging its asset purchases.