The Federal Reserve Wants to Change How You Shop for a Mortgage

February 18, 2026

Wall Street Journal, Feb. 18, 2026-Veronica Dagher, Nicole Friedman
If you wanted to get a home loan in recent years, there is a good chance you looked past a bank like JPMorgan Chase or Wells Fargo and went to a mortgage company like Rocket or Pennymac. These nonbank lenders now handle most U.S. home loans.

But that could change as Washington aims to get banks back into the mortgage market.
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