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Non-QM Pricing, Documentation, eSignature, AI Tools; Thoughts on New Starting Points for Borrowers

2/24/2026 10:17 AM

At the Optimal Blue Summit going on now, sessions range from AI to loan officer tools to market strategy, product unveilings built to transform pricing, trading, and profitability. Will AI help? A study published this month by the National Bureau of Economic Research found that among 6,000 CEOs, chief financial officers, and other executives from f...Read More

Slower Start, More Sideways. Stock Lever in Play

2/24/2026 8:31 AM

Volume and volatility is lower this morning compared to yesterday, but the same theme of risk aversion looks to be in play, probably.  Why "probably?" Because the theme in question (risk aversion, or what we sometimes refer to as the "stock lever") oftentimes makes it hard to distinguish between correlation and causality. All we know so far to...Read More

General Risk Aversion Trade Helping Bonds

2/23/2026 2:09 PM

General Risk Aversion Trade Helping Bonds Bonds began the day in just barely stronger territory but continued to improve throughout. The first rally followed the 8:20am CME open--a common time of day to see a bit of extra momentum and volume. The next leg of the rally played out in the 10am hour which is wh...Read More

Mortgage Rates Dip Back Into The 5"s

2/23/2026 10:53 AM

This coverage is coming out earlier than normal due to a more interesting headline than normal. The average top-tier 30yr fixed rate fell back to 5.99% today, matching the levels seen only briefly back on January 9th, 2026 when the Fannie/Freddie bond buying plans were announced. Much like the last time, there"s always a risk that something happen...Read More

DSCR, BI, Retention, Processing Tools; Correspondent and Wholesaler News; UAD 3.6 Interview

2/23/2026 10:48 AM

Products, Services, and Software for Brokers and Lenders When every basis point counts and staffing doesn’t magically scale with volume, servicers need automation that works as hard as they do. That’s exactly how Dark Matter Technologies delivers Elevate, a loan servicing solution designed for real-world operators who need more than a system that...Read More

Stronger Start. Quiet Calendar

2/23/2026 9:51 AM

Bonds are starting the new week in slightly stronger territory, but still well inside the prevailing trading range. There were no standout market movers over the weekend although tariff and trade-related uncertainty may be generally weighing on investor sentiment to some small extent. The econ calendar is very quiet throughout the week with Friday"...Read More

Tariff Ruling Tried (And Failed) to Steal The Show

2/20/2026 3:44 PM

Tariff Ruling Tried (And Failed) to Steal The Show If you were told ahead of time that Friday morning would bring news that the Supreme Court struck down the IEEPA tariffs, you wouldn"t be crazy to think it would be the week"s biggest news and a big potential source of volatility for bonds. But reality wasn...Read More

Mortgage Rates End Week at Lows

2/20/2026 2:18 PM

Bonds dictate mortgage rates and bonds experienced a bit of volatility this morning in response to the Supreme Court ruling on tariffs. The initial impact was negative for rates with Treasury yields moving higher and the prices for mortgage-backed securities moving lower. But the reaction was well-contained and bonds ended up erasing most of it by ...Read More

New Home Sales Remain Near Recent Highs

2/20/2026 1:47 PM

If there"s one housing market metric that paints a brighter picture than the rest, it"s New Home Sales data from the Census Bureau. At 745,000, it eased slightly from an upwardly-revised annual rate of 758,000 , but was higher then the pre-revision reading of 737k, and 3.8% above December 2024’s 718,000. Fairly chunky revisions are par for the cou...Read More

Pending Sales Dip as Affordability Gains Fail to Spark Demand

2/20/2026 1:42 PM

The National Association of Realtors’ Pending Home Sales Index (PHSI) slipped modestly in January, easily prolonging its stay in a narrow range near all-time lows. Pending home sales decreased 0.8% month over month and were down 0.4% compared with the same time last year. While affordability conditions have improved somewhat as mortgage rates ...Read More

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