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    <title>News Signals</title>
    <link>https://www.nationalmortgagenews.com/news-signals</link>
    <description>News Signals</description>
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    <pubDate>Mon, 27 Jul 2026 20:12:23 GMT</pubDate>
    <dc:date>2026-07-27T20:12:23Z</dc:date>
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    <item>
      <title><![CDATA[ Second-lien issuance expected to reach $41 billion this year ]]></title>
      <link>https://www.nationalmortgagenews.com/news/second-lien-issuance-expected-to-reach-41-billion-this-year</link>
      <description><![CDATA[ So far this year, the volume of closed-end second and home equity line of credit securitizations is near last year's $29 billion, Bank of America Securities said.  ]]></description>
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      <category><![CDATA[ Home equity loans ]]></category>
      <category><![CDATA[ HELOCs ]]></category>
      <category><![CDATA[ HELOANs ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ Securitization ]]></category>
      <category><![CDATA[ Mortgages ]]></category>
      <pubDate>Mon, 27 Jul 2026 20:12:23 GMT</pubDate>
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      <dc:creator>Brad Finkelstein</dc:creator>
      <dc:date>2026-07-27T20:12:23Z</dc:date>
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      <title><![CDATA[ Rethink capacity: 7% rates end near-term volume hopes ]]></title>
      <link>https://www.nationalmortgagenews.com/opinion/rethink-capacity-7-rates-end-near-term-volume-hopes</link>
      <description><![CDATA[ Iran war and the AI-credit unwind signal higher-for-longer rates, wider spreads, forced cost cuts industrywide, writes the chairman of Whalen Global Advisors.  ]]></description>
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      <category><![CDATA[ Originations  ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <pubDate>Mon, 27 Jul 2026 17:17:00 GMT</pubDate>
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      <dc:creator>Christopher Whalen</dc:creator>
      <dc:date>2026-07-27T17:17:00Z</dc:date>
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      <myauthor:jobTitle>Chairman</myauthor:jobTitle>
      <myauthor:company>Whalen Global Advisors LLC</myauthor:company>
      <myauthor:profileLink>https://www.nationalmortgagenews.com/author/christopher-whalen</myauthor:profileLink>
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      <title><![CDATA[ Post-M&A breach suit signals cyber due diligence risk ]]></title>
      <link>https://www.nationalmortgagenews.com/news/post-m-a-breach-suit-signals-cyber-due-diligence-risk</link>
      <description><![CDATA[ NJ Lenders suffered a cyberattack last August, which potentially exposed the names and social security numbers of about 30,000 individuals.  ]]></description>
      <category><![CDATA[ Data breaches ]]></category>
      <category><![CDATA[ Fraud ]]></category>
      <category><![CDATA[ Cyber Security ]]></category>
      <category><![CDATA[ Law and legal issues ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:43:28 GMT</pubDate>
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      <dc:creator>Colin McNamara</dc:creator>
      <dc:date>2026-07-24T19:43:28Z</dc:date>
    </item>
    <item>
      <title><![CDATA[ CFPB pick Johnson eludes Democrats in confirmation hearing ]]></title>
      <link>https://www.nationalmortgagenews.com/news/cfpb-pick-johnson-eludes-democrats-in-confirmation-hearing</link>
      <description><![CDATA[ Brian Johnson, President Trump's nominee to lead the Consumer Financial Protection Bureau, navigated a somewhat contentious Senate Banking Committee hearing dominated by Democratic opposition but without giving away specific plans he has for the agency.  ]]></description>
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      <category><![CDATA[ Trump administration ]]></category>
      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Risk ]]></category>
      <category><![CDATA[ Political Risk ]]></category>
      <category><![CDATA[ Compliance Risk ]]></category>
      <pubDate>Thu, 23 Jul 2026 17:59:52 GMT</pubDate>
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      <dc:creator>Kate Berry</dc:creator>
      <dc:date>2026-07-23T17:59:52Z</dc:date>
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      <title><![CDATA[ CFPB director nomination hearing: Live coverage ]]></title>
      <link>https://www.nationalmortgagenews.com/live-blog/cfpb-director-nomination-hearing-2026-live-coverage</link>
      <description><![CDATA[ The Senate Banking Committee will hold a hearing Thursday on whether to confirm Brian Johnson, a former Capital One executive and deputy director of the Consumer Financial Protection Bureau in Trump's first term to lead the agency permanently.  ]]></description>
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      <category><![CDATA[ Trump administration ]]></category>
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      <pubDate>Wed, 22 Jul 2026 18:20:44 GMT</pubDate>
      <guid isPermaLink="false">0000019f-8b02-d658-a3bf-fb47fcc90001</guid>
      <dc:creator>Kate Berry</dc:creator>
      <dc:creator>John Heltman</dc:creator>
      <dc:date>2026-07-22T18:20:44Z</dc:date>
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      <title><![CDATA[ Bank deregulatory bill passes House, goes to Senate ]]></title>
      <link>https://www.nationalmortgagenews.com/news/bank-deregulatory-bill-passes-house-goes-to-senate</link>
      <description><![CDATA[ The package of banking measures will need 60 votes — including a number of Democrats — to pass the Senate on a tight time frame ahead of November's elections. But the bipartisan House vote signals that future work on the issues is possible.  ]]></description>
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      <pubDate>Wed, 22 Jul 2026 14:03:57 GMT</pubDate>
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      <dc:creator>Claire Williams</dc:creator>
      <dc:date>2026-07-22T14:03:57Z</dc:date>
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      <title><![CDATA[ Manual non-agency underwriting gaps in leave competitors exposed ]]></title>
      <link>https://www.nationalmortgagenews.com/news/manual-non-agency-underwriting-gaps-in-leave-competitors-exposed</link>
      <description><![CDATA[ Lenders are still sending files to their secondary market partners with missing or misplaced documents, affecting how the collateral is viewed and priced.  ]]></description>
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      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ Securitization ]]></category>
      <category><![CDATA[ Underwriting ]]></category>
      <category><![CDATA[ Non-QM ]]></category>
      <pubDate>Wed, 22 Jul 2026 10:00:00 GMT</pubDate>
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      <dc:creator>Brad Finkelstein</dc:creator>
      <dc:date>2026-07-22T10:00:00Z</dc:date>
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      <title><![CDATA[ As the Fed rethinks its balance sheet, all eyes are on liabilities ]]></title>
      <link>https://www.nationalmortgagenews.com/news/as-the-fed-rethinks-its-balance-sheet-all-eyes-are-on-liabilities</link>
      <description><![CDATA[ The Federal Reserve is rethinking the size and scope of its holdings. Academics and industry analysts alike say liquidity reforms will be key to the process.  ]]></description>
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      <category><![CDATA[ Federal Reserve ]]></category>
      <category><![CDATA[ Treasurys ]]></category>
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      <category><![CDATA[ Market Risk ]]></category>
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      <category><![CDATA[ Monetary policy ]]></category>
      <pubDate>Wed, 22 Jul 2026 10:00:00 GMT</pubDate>
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      <dc:creator>Kyle Campbell</dc:creator>
      <dc:date>2026-07-22T10:00:00Z</dc:date>
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    <item>
      <title><![CDATA[ Boomers, Millennials lead cash-rich buyer opportunities ]]></title>
      <link>https://www.nationalmortgagenews.com/news/boomers-millennials-lead-cash-rich-buyer-opportunities</link>
      <description><![CDATA[ The median down payment for a potential Gen Z homebuyer is well below the amount the three older generations are looking to make, a LendingTree study found.  ]]></description>
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      <category><![CDATA[ Housing markets ]]></category>
      <category><![CDATA[ Underwriting ]]></category>
      <category><![CDATA[ Originations  ]]></category>
      <category><![CDATA[ MARKETING TO BORROWERS ]]></category>
      <pubDate>Wed, 22 Jul 2026 10:00:00 GMT</pubDate>
      <guid isPermaLink="false">0000019f-869c-d9b3-afdf-bfbf4a8c0000</guid>
      <dc:creator>Brad Finkelstein</dc:creator>
      <dc:date>2026-07-22T10:00:00Z</dc:date>
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      <title><![CDATA[ Cap-gains lock-in effect creeps inland: watch SD, WV listings  ]]></title>
      <link>https://www.nationalmortgagenews.com/news/cap-gains-lock-in-effect-creeps-inland-watch-sd-wv-listings</link>
      <description><![CDATA[ Home values have increased 147% over the last 15 years, pushing more homeowners above the capital gains tax exemption thresholds, according to Cotality.  ]]></description>
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      <category><![CDATA[ Housing inventory ]]></category>
      <category><![CDATA[ Home prices ]]></category>
      <category><![CDATA[ Housing markets ]]></category>
      <category><![CDATA[ Capital gains taxes ]]></category>
      <pubDate>Mon, 20 Jul 2026 20:43:37 GMT</pubDate>
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      <dc:creator>Colin McNamara</dc:creator>
      <dc:date>2026-07-20T20:43:37Z</dc:date>
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      <title><![CDATA[ eNotes hit 15% of MERS volume; laggards risk $300/loan  ]]></title>
      <link>https://www.nationalmortgagenews.com/news/enotes-hit-15-of-mers-volume-laggards-risk-300-loan</link>
      <description><![CDATA[ MISMO's updated SMART Doc guide arrives as digital adoption jumps from 74% to 90% of lenders — here's what's changed and who's still exposed.  ]]></description>
      <category><![CDATA[ Mortgage technology ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ Originations  ]]></category>
      <category><![CDATA[ Underwriting ]]></category>
      <category><![CDATA[ MARKETING TO BORROWERS ]]></category>
      <pubDate>Mon, 20 Jul 2026 19:41:34 GMT</pubDate>
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      <dc:creator>Nazeefa Ahmed</dc:creator>
      <dc:creator>Brad Finkelstein</dc:creator>
      <dc:date>2026-07-20T19:41:34Z</dc:date>
    </item>
    <item>
      <title><![CDATA[ Why Dynex bet on spec pools as AI refi risk looms ]]></title>
      <link>https://www.nationalmortgagenews.com/news/why-dynex-bet-on-spec-pools-as-ai-refi-risk-looms</link>
      <description><![CDATA[ Dynex Capital executives say they are preparing for future challenges from artificial intelligence's application to refinancing.  ]]></description>
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      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ Servicing ]]></category>
      <category><![CDATA[ Mortgage technology ]]></category>
      <pubDate>Mon, 20 Jul 2026 19:00:33 GMT</pubDate>
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      <dc:creator>Bonnie Sinnock</dc:creator>
      <dc:date>2026-07-20T19:00:33Z</dc:date>
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      <title><![CDATA[ Lenders: Teamsters' new HomeAhead is a referral pipeline ]]></title>
      <link>https://www.nationalmortgagenews.com/news/become-a-homeahead-lender-to-capture-teamster-borrowers</link>
      <description><![CDATA[ Administered by a union benefits group, HomeAhead will provide strike and lockout mortgage relief alongside financial literacy programs and lending discounts.  ]]></description>
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      <category><![CDATA[ Industry News ]]></category>
      <category><![CDATA[ Employee benefits ]]></category>
      <category><![CDATA[ LOAN PRODUCTS ]]></category>
      <category><![CDATA[ Originations  ]]></category>
      <pubDate>Mon, 20 Jul 2026 18:25:15 GMT</pubDate>
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      <dc:creator>Spencer Lee</dc:creator>
      <dc:date>2026-07-20T18:25:15Z</dc:date>
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      <title><![CDATA[ What comes next for the Fed's regulatory independence? ]]></title>
      <link>https://www.nationalmortgagenews.com/news/what-comes-next-for-the-feds-regulatory-independence</link>
      <description><![CDATA[ The Supreme Court may have allowed the central bank to chart its own course on bank oversight for now, but discrepancies between two recent rulings set the stage for challenges.  ]]></description>
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      <category><![CDATA[ Federal Reserve ]]></category>
      <category><![CDATA[ Risk management ]]></category>
      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <pubDate>Mon, 20 Jul 2026 10:00:00 GMT</pubDate>
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      <dc:creator>Kyle Campbell</dc:creator>
      <dc:date>2026-07-20T10:00:00Z</dc:date>
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      <title><![CDATA[ Union Home CEO expects more M&A after AmeriTrust deal  ]]></title>
      <link>https://www.nationalmortgagenews.com/news/union-home-ceo-expects-more-m-a-after-ameritrust-deal</link>
      <description><![CDATA[ With margins remaining compressed, Bill Cosgrove sees mortgage industry consolidation continuing in the near future, and Union Home will be a player.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Originations  ]]></category>
      <category><![CDATA[ Mortgage rates ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ LOAN PRODUCTS ]]></category>
      <pubDate>Fri, 17 Jul 2026 21:04:05 GMT</pubDate>
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      <dc:creator>Brad Finkelstein</dc:creator>
      <dc:date>2026-07-17T21:04:05Z</dc:date>
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    <item>
      <title><![CDATA[ How servicers can prep for new Freddie Mac default reports ]]></title>
      <link>https://www.nationalmortgagenews.com/news/how-servicers-can-prep-for-new-freddie-mac-default-reports</link>
      <description><![CDATA[ The major government-related secondary-market loan buyer is moving to a new approach that mortgage companies can start transitioning to later this year.  ]]></description>
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      <category><![CDATA[ Servicing ]]></category>
      <category><![CDATA[ Secondary markets ]]></category>
      <category><![CDATA[ Mortgage technology ]]></category>
      <pubDate>Thu, 16 Jul 2026 19:16:57 GMT</pubDate>
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      <dc:creator>Bonnie Sinnock</dc:creator>
      <dc:date>2026-07-16T19:16:57Z</dc:date>
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