“Our organizations stand ready to partner with the GSEs to resolve these questions quickly. Strong and fast collaboration between GSEs and industry stakeholders will be necessary to realize the vision of true competition for credit scores and lower costs for consumers.”
–The Mortgage Bankers Association, American Bankers Association, Housing Policy Council and Structured Finance Association joint statement on the FHFA recent announcement on credit scores
“While the slowdown in home price growth may be easing affordability pressures, and negative equity volumes remain low, we’re beginning to see localized pockets of recent homebuyers becoming financially exposed.”
–Andy Walden, Head of Mortgage and Housing Market Research at ICE
“While mortgage delinquencies are currently low across the U.S., the market is ripe for an increase in fraud because of the continuing high interest rates, slow housing market, and other increasing costs of homeownership like insurance affordability.”
–Matt Seguin, Senior Principal, Fraud Solutions with Cotality
“It’s tricky to balance at times when the market looks like it could take a downturn. Investors don’t want to buy a property when prices are high and then see them drop before they’re ready to sell.”
–Rob Barber, CEO at ATTOM
“Foreclosure activity in May reflected a mixed picture with fewer starts but a continued rise in completed foreclosures.”
–ATTOM CEO Rob Barber
“Mortgage delinquency rates held steady at a low level in the first quarter of 2025. Roughly 40% of metropolitan areas showed increases in the overall delinquency rate, comparable to the share from the fourth quarter of 2024,”
–Molly Boesel, Senior Principal Economist at Cotality
“Our data shows that the coastline is evolving, with the impacts of hurricanes extending not only further – both in cost and distance – but also on a more consistent basis.”
–Maiclaire Bolton-Smith, Vice President of Insurance Product Marketing at Cotality
“MBA has been a fierce advocate for distressed veteran homeowners, working with a bipartisan group of lawmakers, Veterans Affairs (VA) staff, and our members to help keep them in their homes since the VA’s previous loss mitigation solution was terminated during the pandemic without a replacement.”
–MBA’s President and CEO Bob Broeksmit, CMB
“There were mixed results for mortgage performance in the first quarter of 2025 compared to the end of 2024. Delinquencies on conventional loans increased slightly, while mortgage delinquencies on FHA and VA loans declined.”
–Marina Walsh, CMB, MBA’s Vice President of Industry Analysis
“Accounting for both production and servicing operations combined, 58 percent of mortgage companies in MBA’s sample are profitable, but that leaves 42 percent who are still not yet out of the woods.”
–Marina Walsh, CMB, MBA’s Vice President of Industry Analysis
