ICE Mortgage Technology said in its December 2025 Mortgage Monitor report that declining mortgage rates helped to push servicer refinance retention to 28% in the third quarter — a 3.5-year high — as more homeowners sought to lower their monthly payments.

The report, released on Monday, tracks mortgage performance data from ICE’s most recent First Look report, which analyzed delinquency and foreclosure trends through the end of October.

ICE found that overall mortgage performance was strong in October, with the national delinquency rate falling by 7 basis points (bps) to 3.34%. That’s down 11 bps from the same time details ⇒

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