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U.S. Banks Adopting European Securitization Structure

October 10, 2025
James Dohnert
U.S. banks are increasingly using a securitization structure historically favored by European issuers.
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Short Takes: Senate Passes Housing Package / First HELOC Securitization from PIMCO / Refinance Rate Locks Spike / LDF Denounces New HUD FHEO Leader

October 10, 2025
Emmeline Willey
The bipartisan housing package is intended to incentivize new construction and make reforms across lending programs.
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GSE Conforming Jumbo Business in 2025 Falls Flat

October 9, 2025
Abby Zimmardi
Conforming jumbo mortgage volume is falling below levels seen in 2024.
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Fannie Tweaks Rental Income Rules

October 9, 2025
Dennis Hollier
Policy changes at the mortgage giant should make it easier for borrowers to purchase properties with ADUs.
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SEC Seeking Comments on MBS, ABS Disclosures

October 9, 2025
Abby Zimmardi
The Securities and Exchange Commission wants to know whether there are regulatory impediments contributing to the lack of public non-agency MBS offerings.
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Rep. Waters Urges Financial Trade Groups to Help Consumers Amid Shutdown

October 9, 2025
Abby Zimmardi
Rep. Maxine Waters, D-CA, chair of the House Financial Services Committee, asked financial institutions to make sure that shutdown-related arrangements don't end up harming consumers' credit reports, among other requests.
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Short Takes: Foreclosure Activity Increases / Downpayment Assistance Program in California / Homeowners Remain Pessimistic About Housing Market / Pending Home Sales Drop

October 9, 2025
Abby Zimmardi
Foreclosure activity jumped 17% in the third quarter compared to 2024.
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Single-Family MBS Issuance Lags Other Sectors in 3Q

October 8, 2025
John Bancroft
Issuance of commercial MBS and non-mortgage ABS increased at a faster pace during the third quarter than issuance of residential MBS.
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Equifax Offers Free VantageScore 4.0 for FICO Users

October 8, 2025
Brandon Ivey
Equifax is taking actions to increase adoption of VantageScore 4.0.
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Kashkari Cautions Mortgage Rates Might Not Follow Fed

October 8, 2025
Brandon Ivey
Kashkari cited data centers as an investment that appears to be offering stronger returns to investors rather than building homes or apartment buildings.
Read More
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Latest Imf News

  • GSE Repurchases on the Rise in 3Q

  • Seasonal Factors Drive Increase in Delinquency Rate

  • CDIA Calls Out Credit Washing for Rise in Credit Reporting Complaints

  • Home Price Growth Slows in November

More Imf News

Featured Data

  • Largest Sellers See GSE Deliveries Wane in November

  • Third-Party Lenders Boost Market Share in Third Quarter

  • Bank Mortgage Repurchases Decline in Third Quarter

  • Mortgage REITs Up Agency MBS, Shed Non-Agency

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Featured Reports

  • Agency Seller-Issuer Profile: 3Q25 (PDF)

  • Mortgage Profitability Report 3Q25 (PDF)

  • Agency Channel Analysis: 3Q25 (PDF)

  • Mortgage Servicing Rights Report: 3Q25 (PDF)

More Latest Reports

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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