Borrowers are still anchored to ultra-low, pandemic-era mortgage rates, a mindset that is influencing both purchase and refinance trends as the market heads into 2026.

That’s according to Mike Vough, Optimal Blue‘s senior vice president of corporate strategy, who highlighted the company’s latest Market Advantage report in a conversation this week with HousingWire at the Intercontinental Exchange ICE Experience (X26) conference in Las Vegas.

Vough discussed the impact of rate sensitivity on borrower behavior, the importance of managing risk in a volatile market, and the trends in nonqualified mortgage (non-QM) and debt-service-coverage ratio (DSCR) lending that are details ⇒

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