December 2025
Reflecting on 2025 & Preparing for 2026
As 2025 winds down, we’re taking a moment to reflect on a year defined less by volume swings and more by strategic advances. As an industry, we’ve been able to adapt to the current rate environment, live with lower volumes while leveraging technology and work smarter to return to profitability. At Covius, we’re proud of the role we’ve played in helping clients with cutting-edge solutions and innovative partnerships.
In our final issue of the year, you’ll get a sneak peek at our 2025 Covius Compliance Recap & 2026 Forecast and a summary of the recent IMN MSR Forum, including highlights from the panel I moderated on industry hot button issues. We’re also featuring insights from executives across our organization, sharing candid perspectives on what lenders should expect heading out of 2025 and what may be on the horizon for 2026.
Finally, thank you for your continued partnership, engagement and trust this year. We look forward to continuing to connect with you in 2026 and delivering more innovation, more insights and more opportunities to help you navigate what’s next.
From all of us at Covius, we wish you a joyful holiday season and a prosperous New Year!
Pete Pannes
Chief Business Officer
A Roundtable Discussion with Covius Leaders
2025 may not have delivered dramatic surprises, but it was a year defined by meaningful shifts—subtle rate movement, steady home equity growth, strategic consolidation, and a cautious adoption of AI. As the market prepares for 2026, Covius executives share their perspectives on what mattered this year and what will matter next.
Industry & Servicing Insights: Takeaways from IMN MSR
Pete Pannes breaks down the most talked about themes from the 2025 IMN MSR Forum, including affordability pressures, escrow volatility, digital engagement trends and the evolving regulatory landscape, in Clayton’s latest Clarity blog. Get highlights from his “Hot Button Regulations, Client Requests and Measuring Performance of Sub-servicers and Self-Servicers” panel with leaders from Cenlar, LoanCare, NewRez and more, plus insights on what servicers should prepare for as we head into 2026.
Reserve Your Covius Legislative & Regulatory Update Today
Going into 2026, the upward trend of states proactively enacting consumer protection legislation and regulations is likely to continue due to shifting economic conditions and reduced federal regulatory and enforcement activities. Request a copy of the Covius Compliance Solutions Annual Regulatory & Legislative Report, which looks at the coming year and issues likely to affect the mortgage industry and what that might mean for the 2026 landscape.
Featured in National Mortgage News
Assumable mortgages aren’t new, yet they haven’t played much of a role in broadly improving affordability. But that may change under FHFA Chairman William Pulte. Kara Snow, Senior Regulatory Counsel, offered her thoughts on whether assumption use could grow in a recent interview with National Mortgage News.
Bright Holiday Wishes from Covius!
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