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| Sales Performance, Compliance, Borrower Satisfaction Tools; Brian V. on Industry Noise | ||
| 10/7/2026 10:51 AM | ||
| Lender and Broker Products, Services, and Software “Chicagoans have one unbreakable rule: no ketchup on a hot dog. Mortgage lenders should have one too: no questions that don"t belong on the application. Floify brings that same discipline to MBA Annual in Chicago, October 11–14 at the Hyatt Regency, where the industry celebrates homeownership and...Read More | ||
| No Surprise: It Was a Trap | ||
| 10/7/2026 9:07 AM | ||
| If there"s been a safe bet to make on isolated rally days over the past 2 months, it"s that they"ll be soon followed by a return to the prevailing trend toward higher rates. Today fills that role with gusto. We hate gusto--this kind anyway. Unfortunately, this kind of gusto is all we have, and there"s no convenient, singular explanation even though...Read More | ||
| Today Was "Nice" For Bonds | ||
| 10/6/2026 3:02 PM | ||
| Today Was "Nice" For Bonds Bonds bucked their prevailing trend and managed to move slightly lower in yield today. Unlike yesterday"s session which had no clear correlation with underlying events, today"s move traced a drop in oil prices fairly clearly. Some analysts thought that an improvement in French gov...Read More | ||
| Mortgage Rates Near 1-Week Lows | ||
| 10/6/2026 2:40 PM | ||
| Mortgage rates actually fell today--something they"ve done only 7 times since August 25th. While the outright levels remain near the highest since 2003, they"re near the lowest in just over a week with top-tier 30yr fixed rates down to 7.56% for the average lender. What gives? Is this a sign that recent upward momentum is starting to wane? It"s to...Read More | ||
| Polly Enters Hedging, Digital Lending, LO Exploration, Servicing, Correspondent Products; Penny and VantageScore | ||
| 10/6/2026 10:24 AM | ||
| I like to say that I am one good Lottery Scratcher away from ditching this daily Commentary gig and starting something new. All kidding aside, where should we start today? With the rumored FICO layoffs yesterday afternoon? Iowa, Michigan, and the Carolinas all having conferences now? Pennymac is now live with VantageScore 4.0 across all three produ...Read More | ||
| Overnight Adaptive Cruise, Following Oil | ||
| 10/6/2026 9:00 AM | ||
| If rate movement were a car, it"s been driving pretty recklessly recently, and definitely not keeping good pace with other motorists. But every now and then, we see a break in the craziness. The overnight trading session provided an example. The bond car set its adaptive cruise control to follow the car in front of it (oil prices, in today"s case)....Read More | ||
| What Will it Take For Bonds to Recover? | ||
| 10/5/2026 3:41 PM | ||
| What Will it Take For Bonds to Recover? Another day, another sell-off without any satisfying explanations. To be fair, you could say bonds just traded the curve today with anything 3yrs or shorter rallying at the expense of the longer end of the curve. But for the mortgage market, <3yrs is too short-term...Read More | ||
| Mortgage Rates Inch Up to Another Recent High | ||
| 10/5/2026 3:18 PM | ||
| The good news is that today"s average top-tier 30yr fixed rate ended only 0.01% higher than last week"s high (7.61 vs 7.60). If you are only interested in good news, have a great rest of your Monday and you"re free to go. The rest of the news isn"t terrible, but we we can"t classify it as "good." Bonds lost ground today and, as has been the case o...Read More | ||
| AI, Title Waiver, Real Estate Auction, QC, eNote Tools; Financial Literacy Study; MBS Issuance | ||
| 10/5/2026 10:25 AM | ||
| Today brings us the MBA of the Carolinas conference, where demographics, technology, and “building a team” are on the agenda. Here at the Michigan Mortgage Lender’s Association conference in Ypsilanti, tech is certainly “on the serving platter” in the sessions, but so is how originators should best use what they have to their advantage, which inclu...Read More | ||
| Weaker Start. No New Reasons | ||
| 10/5/2026 9:46 AM | ||
| Another week begins with the frustrating reality of the bond market selling just because there"s no reason to buy. To be fair, 2yr yields are unchanged, but longer-dated yields are several bps higher than Friday afternoon. All this despite oil prices being lower and econ data being in line with expectations. At this point, anyone offering rationale...Read More | ||
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| Refinance demand is now half what it was a year ago, as mortgage rates rise again | ||
| 10/7/2026 8:02 AM | ||
| Mortgage rates rose to the highest level in nearly three years, causing demand for both refinancing and homebuying to decline even further...Read More | ||
| Luxury developers flocked to the 'Hamptons of Hungary' — but some projects are stalling | ||
| 10/7/2026 12:00 AM | ||
| Lake Balaton in south-west Hungary has been a popular vacation destination for decades, but average transaction prices are falling...Read More | ||
| A new analyst call on Home Depot reflects our feeling on what to do with the stock | ||
| 10/6/2026 3:00 PM | ||
| We"re holding a small position in Home Depot to be ready for when rates eventually fall...Read More | ||
| Young voters struggle to afford housing. But they don't expect help from political candidates | ||
| 10/7/2026 9:03 AM | ||
| Pennsylvania"s competitive U.S. House districts showcase how housing affordability challenges for young voters may play into control of the next Congress...Read More | ||
| High mortgage rates are trapping homeowners in place, and making renovations harder to afford | ||
| 10/3/2026 12:57 PM | ||
| Homeowners are stuck in houses they might have left by now due to the low mortgage rates of the past, and can"t even remodel with HELOCs too expensive to tap...Read More | ||
| Cramer says 'frozen' conditions are holding many stocks back. Here's what could change that | ||
| 9/30/2026 6:00 PM | ||
| CNBC"s Jim Cramer said Wednesday that several key parts of the U.S. economy have effectively frozen...Read More | ||
| Commerce Secretary Howard Lutnick reports more than $250 million in income last year | ||
| 10/1/2026 7:45 AM | ||
| Commerce Secretary Howard Lutnick unwound his ties to Cantor Fitzgerald as the billionaire financier joined the Trump administration...Read More | ||
| Mortgage rates jump for the sixth straight week, hitting both refinance and homebuyer demand hard | ||
| 9/30/2026 6:39 AM | ||
| Mortgage demand dropped for the 7th straight week, as rates surged well over 7% on the 30-year fixed...Read More | ||
| Homeowners are sitting on record equity – and not using it | ||
| 9/29/2026 2:23 PM | ||
| U.S. homeowners have more housing wealth than ever before, thanks to fast-rising home prices over the last several years. But they aren"t spending much of it. ...Read More | ||
| Many homeowners have a big insurance coverage gap — and don't even know it | ||
| 9/26/2026 8:30 AM | ||
| Many consumers have a gap in their homeowners insurance coverage. This puts them at financial risk, and they are likely unaware, experts said...Read More | ||
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