Regulatory changes to how banks treat mortgage assets — anticipated this week by Federal Reserve Vice Chair Michelle Bowman — may have an impact on the mortgage market over time, analysts said.
A proposal to replace the longstanding tri-merge credit report with a single-file model has reignited debate over borrower costs and systemic risk, placing trade associations on opposing sides.
“From a risk management perspective, continuing to require three in-files and three scores on every borrower has long been an anachronism,” Broeksmit said
The class-action lawsuit filed this week against Rocket Companies and its subsidiaries has drawn heightened attention from the mortgage industry as a wave of mergers and acquisitions accelerates the push toward vertically integrated business models.
Brian Brown, chief financial officer and treasurer for Rocket Companies, expects continued improvement in the mortgage market in 2026, building on momentum that emerged in the second half of 2025.
AmeriTrust Mortgage Corp. has appointed Shea Pallante as chief revenue officer as the lender pursues a growth strategy that includes expanding into nondelegated correspondent channels and more than doubling its monthly origination volume.