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Home » Authors » Brandon Ivey

Articles by Brandon Ivey

Locks for Refis Trail Off in November

December 10, 2025
Brandon Ivey
Locks for rate/term refis were down 34.3% on a monthly basis.
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Citi Broadens Prime Non-Agency MBS Issuance With Higher LTV Ratios

December 10, 2025
Brandon Ivey
The average combined LTV ratio for loans in the pending $365.0 million MBS from Citi is 82.8%.
Read More

Short Takes: Foreclosures Slow in November / Equifax Offering Income, Employment Verification Earlier / Democrats in Congress Want to Hear From Vought / Another Bite at the Apple for HECM Comments

December 10, 2025
Brandon Ivey
Foreclosure filings declined by 3% on a monthly basis in November.
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Short Takes: Housing Trust Fund Allocation Later This Year / Milliman Acquires MorVest Capital / Monthly Mortgage Payments Rise / Chase Preps Jumbo MBS

December 9, 2025
Brandon Ivey and James Dohnert
Housing Trust Fund allocations for 2026 were just announced, months behind the usual timeline.
Read More

Housing Legislation in Congress Will Wait Until 2026

December 8, 2025
Brandon Ivey
Republicans in the House balked at including the ROAD to Housing Act in a defense spending bill.
Read More

Credit Bureaus Have Big Expectations for VantageScore

December 5, 2025
Brandon Ivey
Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO.
Read More

Broker Share of Originations Ticks Up in Third Quarter

December 5, 2025
Brandon Ivey
Only the broker channel managed to increase production in the third quarter, up 1.1% from the second quarter to $96.0 billion.
Read More

Homebuilder Hovnanian Takes Quarterly Loss, Margins Shrink

December 5, 2025
Brandon Ivey
Buydowns on mortgages are eating into Hovnanian Enterprises' margins.
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Short Takes: Freedom Plans Debt Offering / Unlock Brings Large HEI Securitization / MFA Offers Its Largest Expanded-Credit MBS of the Year / Mortgage Fraud Case Against NY AG Falters

December 5, 2025
Brandon Ivey
The amount, coupon and maturity of Freedom Mortgage's planned debt offering will be determined at the time of issuance, according to Fitch Ratings.
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CFTC Provides No-Action Letter Tied to Bank CRT

December 4, 2025
Brandon Ivey
CFTC Provides No-Action Letter Tied to Bank CRTThe move reduces some regulatory ambiguity for banks that issue certain credit-risk transfer transactions.
Read More
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