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Inside Mortgage Finance

February 26, 2026

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Originations Rise Across Products in Fourth Quarter

The nonconforming market continued to gain share during the fourth quarter. In all of 2025, the nonconforming sector accounted for 20.9% of first-lien originations, up from a 16.6% share in 2024. (Includes two data tables.) Read More

Appeals Court Struggles to Define NTEU Injunction

The Trump administration claimed that federal courts have no authority to prevent it from carrying out its duties, while the NTEU argued that blocking a planned reduction-in-force at the CFPB is essential to ensure the agency still exists at the conclusion of the lawsuit. Read More

Ishbia Lets UWM’s 4Q Earnings Do the Talking

The nonbank generated $164.5 million of net income in the fourth quarter of 2025. But in a departure from norm, Mat Ishbia, president and CEO of UWM, didn’t take questions from stock analysts. Read More

Trade Groups Push for Additional Bank Capital Reforms

Bank and mortgage industry groups are calling for broad reforms to bank capital requirements. Meanwhile, reactions to pending proposals from the Fed tied to bank mortgage holdings and MSRs were mixed. Read More

Uncertainty Grows on GSEs Exiting Conservatorship

Talk of a capital raise for Fannie Mae and Freddie Mac has waned in recent months, leading some policy experts to question whether the Trump administration has the appetite to take the GSEs public. Read More

Investors Expect Adjustment Period for New Credit Score Models

Investors are expected to take time to adjust to new credit score models and the potential end of the tri-merge scoring requirement at the GSEs. Read More

Study of VantageScore Renews the Tri-Merge Debate

Looking at VantageScore 4.0 data provided by the three national credit reporting agencies, researchers found that 18% of consumers had one or more scores that was at least 20 points higher than the tri-merge average. Read More

Gray Areas Linger in Trigger Lead Reform

The law banning trigger leads will make consumers less vulnerable to unsolicited credit offers, but the reforms still need some fine-tuning. Read More

Grapevine: Trump Puts Emphasis on Rates; Mortgage Applications Level

No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors. Read More

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