Mortgage

HousingWire’s mortgage news coverage spans the market and includes the coverage you need, from what your competition is doing to how they’re performing and what their future plans may be to the expert and analyst forecasts for how this unusual housing market will pan out in 2023 and beyond. 

And, given the current state of the housing market, which is unlike anything we’ve ever seen, it may be more important than ever to have a pulse on the latest industry news so you can pivot when new information indicates that you should. The HousingWire mortgage news coverage can equip you with the latest information you need in order to make the most informed decisions possible. If you want the latest in leading news to be delivered to your inbox on a daily basis, sign up here.

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December 2022 — The entire economic landscape, including mortgage rates, has changed recently, starting with the Fed’s talking points in early December. The honey badger labor market is still going strong, as we got another solid jobs report, which pushed bond yields higher at first. However, the way the day ended showed that change is coming.

As housing market analyst Logan Mohtashami wrote for HousingWire, “We now have a better idea of what the Federal Reserve wants to do with their Fed rate hikes, and we have a lot of data that shows that the economy will look different 12 months from now. This will be important to think about going into 2023, especially if the labor market does what the Federal Reserve wants it to do, which is slow down enough to create a job loss recession.”

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Looming risk for mortgage credit and MBS investors from ‘Lender Choice’ 

Feb 09, 2026By

Since 1996 when Freddie Mac introduced the industry to the first automated underwriting system (AUS) for GSE-eligible mortgages, a borrower’s credit score has served as one of the most important predictors of mortgage delinquency. For many years thereafter, FICO score was the sole provider of scores to both GSEs’ AUS scorecards. The arrival of VantageScore as a competitor to FICO has turned up the heat on the use of credit scores in mortgage underwriting with FHFA’s decision to allow lenders to choose between FICO and VantageScore in delivering loans to the GSEs. This “lender choice” policy poses risk to both credit and MBS investors.

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