The Community Home Lenders of America said the small-dollar lending initiative introduced by the 21st Century ROAD to Housing Act needs to include direct incentivization to work.

The FHA/VA share of agency business with primary mortgage insurance increased during the second quarter for both purchase mortgages and refis. In the first half of 2026, purchase-mortgage volume with primary MI was up only 2.7% from the first half of 2025. (Includes two data tables.)

Ginnie Mae President and Acting FHA Commissioner Joe Gormley said both agencies are looking for ways to incorporate artificial intelligence into their programs.

The trade groups are seeking some changes to condo appraisal policies set to go into effect next month as well as a delay in implementation.

With interest rates on mortgages rising, some agency business shifted to Ginnie Mae in the second quarter of 2026. Rocket surpassed UWM as the top issuer of agency MBS during the quarter. (Includes two data tables.)

The CFPB plans to issue a servicing rule in August and is considering revisions to ATR/QM requirements. Both HUD and VA have a long list of rulemaking plans, while FHFA’s regulatory agenda is more limited.

Among other changes, FHA formalized a waiver that allows borrowers to make trial payment plan payments more than 15 days before the due date without penalty.

FHA has removed the requirement that lenders obtain appraisal field reviews on at least 10% of loans selected for origination and underwriting reviews.

FHA released more information to support the transition to the Uniform Appraisal Dataset 3.6, although a timeline for adoption remains pending.