The FDIC withdrew its amicus brief supporting Colorado's opt-out law on interest rate exportation, highlighting the agency's more fintech-friendly regulatory approach under acting Chair Travis Hill.

Interest-only loans, popular pre-2008, have revamped requirements and can be an option for borrowers looking for short-term lower payments, stakeholders say.

The current pool has smaller exposures to the construction and turf sectors compared to the 2024-2 series, which have seen higher loss rates than the agriculture sector.

Loan modifications and expenses have reduced available interest and net weighted average coupon (WAC) rates in the deal.

The Department of Veterans Affairs ended a break for borrowers put at a disadvantage by a discontinuation of pandemic aid as they transitioned to a new program.

Unlike most aircraft securitizations, Gilead 2025-1 uses a mortgage amortization style, de-levering at a lower rate compared to a more typical straight-line payment style.

The potential impacts of import tariffs cloud the outlook, though, and could lead mortgage rates to surge and fall throughout the coming year.

Letitia James and 22 other attorneys general have filed an amicus brief in a Maryland case challenging the dissolution of the consumer protection agency.

Any loan that is more than 120 days delinquent becomes a stop-advance loan, a designation that prevents interest leakage to bondholders.

Deal advisors said the Trump administration's tariff threats and the specter of inflation have given some bankers reason to pause on acquisition plans. Momentum could still mount, but uncertainty in Washington is a detriment early in the new year.

Investor properties or second homes account for 38.1% of the pool. Also, 27.9% of the loans are a debt service coverage ratio (DCSR) loan product.

While SoFi uses a third-party servicer for both of those product types, it services its entire consumer loan portfolio.