Core Viewpoint - Jyske Realkredit is set to conduct bond auctions from February 3 to February 5, 2026, for refinancing loans in cover pool E, offering various bonds with specified amounts and maturities [1][2][3]. Auction Details - The auctions will feature multiple bonds, including: - 1% JRK 1/4-2029 SDO with an amount of DKK 1,425 million - 1% JRK 1/4-2031 SDO with an amount of DKK 1,650 million - 1% JRK 1/4-2027 SDO (IT) with an amount of DKK 1,000 million - Additional bonds on February 4 and February 5 with varying amounts [2][6]. Bond Offerings - On February 4, Jyske Realkredit plans to sell: - 1% JRK 1/4-2030 SDO for DKK 350 million - 1% JRK 1/4-2032 SDO for DKK 100 million [3]. Auction Mechanics - The auction will be conducted using Bloomberg's auction system, with bids required to be made in specific formats based on the bond's maturity [8][9]. - All bids must be in multiples of DKK 1,000,000, and the final price will be determined by a weighted average of auction results [9][10]. Allotment and Settlement - Bids above the cut-off price will be fully settled, while proportional allocation may apply for bids at the cut-off price [10]. - The value date for all trades executed at the auction will be April 1, 2026 [11]. Reverse Facility - A reverse facility will be available for auction participants whose bids are accepted, allowing them to receive bonds with a two-day settlement [12][13]. Credit Ratings - All auctioned bonds issued through Capital Centre E are rated AAA by S&P, indicating a high level of creditworthiness [13].

>> FOR FINANCIAL MARKETS, JANUARY CAME IN LIKE A LION, BUT GOES OUT LIKE A LAMB. LIVE AT BLOOMBERG HEADQUARTERS IN NEW YORK, I ROMAINE BOSTICK. >> I'M KATIE GREIFELD. WATCHING THE CLOSING, THE BIG NEWS IS PRESIDENT TRUMP NOMINATING KEVIN WARSH AS THE NEXT FED CHAIR. WHAT AN INTERESTING CROSS ASSET PICTURE WE HAVE TO LOOK AT. THE S&P 500 DOWN BY .60%. VERY SLIGHTLY POSITIVE FOR THE WEEK. YOU LOOK AT THE CURVE, INTERESTING REACTION IN THE TREASURY MARKET TRANSLATING INTO YOUR FIVE 30'S CURVE HIGHER BY ABOUT F ...

In September, October and December of 2025, the Federal Reserve cut rates by 25 basis points each to total 75 basis points. Rates for the year drifted downward from 6.8%-7% to end the year at 6.25%.For most of 2024, mortgage rates lingered in the 6s and 7s. The Fed pivoted back to rate cuts in September, October and December of that year. Despite the Fed’s cuts, mortgage rates rose from September 2024 into 2025.By 2022, the Federal Reserve began raising its benchmark interest rate to cool pandemic-spurred i ...

Financial Data and Key Metrics Changes - PennyMac Financial Services reported a net income of $107 million, or $1.97 per share, for Q4 2025, with an annualized return on equity (ROE) of 10% [3][14] - For the full year 2025, pretax income increased by 38%, and net income rose by 61% compared to 2024, with a 12% return on equity and an 11% growth in book value per share [5][6] - The company generated a 10% annualized return on equity in Q4, down from 18% in Q3 due to competitive dynamics affecting production margins [4][14] Business Line Data and Key Metrics Changes - In the production segment, total volumes increased by 25%, leading to a 19% increase in pretax income, while servicing segment pretax income grew by 58% year-over-year [5][6] - Total acquisition and origination volumes in Q4 were $42 billion, up 16% from the prior quarter, with total lock volumes at $47 billion, an 8% increase [14][15] - The servicing portfolio grew to $734 billion in unpaid principal balance, with a pretax income of $37 million in the servicing segment [18][19] Market Data and Key Metrics Changes - The company serviced a combined $312 billion in loans with note rates above 5%, indicating significant refinancing opportunities as mortgage rates decline [8] - The correspondent channel margins decreased to 25 basis points from 30 basis points due to increased competition [15] Company Strategy and Development Direction - PennyMac is focusing on enhancing its consumer direct channel and investing in AI technologies to improve recapture rates and operational efficiencies [8][12] - The transition to the Vesta loan origination system is expected to be completed in Q1 2026, which will enhance operational efficiency and scalability [9][10] - The company aims to achieve mid to high teens ROEs later in the year, driven by improved production income and operational efficiencies [12][30] Management's Comments on Operating Environment and Future Outlook - Management noted that the competitive environment for refinances was stronger than historically seen during interest rate declines, impacting expected margin increases [4][27] - The company anticipates continued growth in origination volumes and recapture rates, with a focus on maintaining pricing discipline amid competitive pressures [33][34] - Management expressed confidence in the company's ability to adapt and capitalize on market opportunities, particularly with the deployment of new technologies [29][60] Other Important Information - The company declared a fourth-quarter common share dividend of $0.30 per share [14] - The hedge ratio increased to near 100%, providing greater protection against interest rate fluctuations [21][62] - The company ended the quarter with $4.6 billion in total liquidity, ensuring significant resources for opportunistic deployment [22] Q&A Session Summary Question: Discussion on increasing capacity in consumer direct - Management acknowledged that while they had anticipated increased capacity, the competitive environment was unexpectedly strong, leading to higher amortization rates [26][27] Question: Clarification on ROE guidance - Management expects origination market growth between $2.3 trillion and $2.4 trillion, with potential for margin expansion if conditions improve [32][34] Question: Insights on prepayment speeds - Management noted that prepayment speeds were higher than expected, driven by competitive dynamics across various loan types [39][44] Question: Impact of FHA delinquencies - Management explained that the increase in FHA delinquencies was seasonal and related to policy changes, expecting a return to previous levels [80][82] Question: Discussion on unsecured debt and balance sheet management - Management indicated that they are open to issuing additional unsecured debt as they continue to build equity and MSR assets [90][92]

PROVIDENCE, R.I., Jan. 29, 2026 (GLOBE NEWSWIRE) -- via IBN – Beeline Holdings, Inc. (NASDAQ: BLNE), the fast-growing digital mortgage platform redefining the path to homeownership, today announced it will host a stakeholder update call on the results of the fourth quarter of 2025 on Monday, March 30, 2026, at 5 p.m. ET. The call will be hosted by Nick Liuzza, Chief Executive Officer, and Chris Moe, Chief Financial Officer, who will review the company's performance and provide updates on ongoing initiatives ...

Mortgage rates rose for the second consecutive week, with the 30-year fixed up one basis point on average, as yesterday's Federal Open Market Committee decision was expected by the majority of the marketplace.Processing ContentThe move to leave rates unchanged was likely priced into mortgage rates and the benchmarks it uses beforehand. Mortgage pricing is based in part on the 10-year Treasury, as well as spreads with mortgage-backed securities.  How mortgage rates changed this weekThe 30-year FRM averaged ...

The average long-term U.S. mortgage rate edged up for the second week in a row, but remains just above its lowest level in more than three years. The benchmark 30-year fixed rate mortgage rate rose to 6.1% from 6.09% last week, mortgage buyer Freddie Mac said Thursday. One year ago, the rate averaged 6.95%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also rose this week. That average rate inched up to 5.49% from 5.44% last week. A year ago, it w ...

Primary Mortgage Market Survey® U.S. weekly average mortgage rates as of 01/29/2026 MCLEAN, Va., Jan. 29, 2026 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.10%. “Mortgage rates remain near their lowest levels in three years, which is encouraging for potential homebuyers who have waited to enter the market for some time,” said Sam Khater, Freddie Mac’s Chief Economist. “Low ...

Mortgage rates fell this week, with the 30-year fixed rate averaging 6.18%, down from 6.25% last week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year 6.18% 6.30% 7.03% 6.60% 6.18% 15-year 5.56% 5.57% 6.26% 5.82% 5.49% 30-year jumbo 6.38% 6.49% 7.08% 6.67% 6.31% The 30-year fixed mortgages in this week’s survey had an average total of 0.35 discount and origi ...

Quick Read Trump raised Freddie Mac and Fannie Mae caps from $40B to $200B to boost mortgage liquidity. The cap increase makes FNMA and FDMC privatization more remote. Stock prices reflected disappointment. Home Depot’s AI-powered fulfillment capabilities increased customer satisfaction by over 400 basis points. Investors rethink ‘hands off’ investing and decide to start making real money In mid-January, President Trump announced an initiative to help ease mortgage liquidity. He instructed Housin ...