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Three U.S. senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing taxpayers to growing risks tied to climate-driven insurer failures.

U.S. District Judge Amy Berman Jackson said the administration must request funds from the Federal Reserve, rejecting a Trump DOJ legal theory.

As CFPB oversight recedes, servicers are turning to FHA, VA and state rules for guidance, with distressed loan compliance, redefaults and local registration risks rising in 2026.

The additional research Secretary Scott Turner acknowledged would be required should include a cost-benefit analysis, mortgage professionals suggested.

The latest announcement comes two months after an initial round of staff reductions following approval of Rocket's acquisition of the company.

Here are the most-read stories from National Mortgage News over the past year.

This year it took a homebuyer seven years to save for a typical down payment on a house, compared with 12, according to Realtor.com.

Under a proposed rule, the agency would let most nationally chartered firms off the hook for heightened regulatory standards. The rule would raise the bar from $50 billion to $700 billion of assets and leave only eight firms subject to heightened regulation.

The Federal Reserve is slated to undertake a number of important rules and regulations in 2026, but decisions around agency leadership and the Trump administration's avowed effort to exert greater control over the central bank are likely to leave a lasting legacy at the agency.

A significant portion of the loans in the pool by balance, 44.5%, are designated at non-QM, according to DBRS, adding that about 50% of the loans in the pool were made to investors for business purposes.

A modest improvement in prices and mortgage rates encouraged buyers. Signings have now increased for four straight months, matching a pandemic streak.

Some action items could make a big difference for both mortgage lenders and consumers, but the Trump Administration is not yet focused on these concerns.

As commissioner of Virginia's Bureau of Financial Institutions since 1997, Joe Face emphasized strengthening the dual banking system.

National Mortgage News takes a look back at some of the major or unique transactions which went on, or in some cases didn't happen, in the past 12 months.

Home prices rose 0.2% nationally month-over-month in November, but there were an estimated 37.2% more sellers than buyers in the market, Redfin said.

Patrick Terrance Donlon, CEO of Trusted American Mortgage, settled allegations from 21 states another person took industry education courses for him.

Rialto Capital allegedly engineered a way to keep it in default so that the company could win extra fees over time, according to a lawsuit filed Tuesday.

Three Democratic Senators say Demotech's assessments "raise profound governance and reliability concerns" in letters to Fannie Mae and Freddie Mac.

Fewer than 1% of members reported surges relative to total assets outside the normal range, making Silvergate's experience unusual, according to the GAO.

Mortgage lenders test crypto-backed mortgages as Fannie Mae and Freddie Mac review digital assets in underwriting, weighing risk, non-QM loans and access for nontraditional homebuyers.