Servicers find new opportunities to leverage AI in the call center in a play to reach more younger borrowers.

Mortgage deliveries to the GSEs were up 14.5% from September to October, according to data from Inside The GSEs.

At top-ranked United Wholesale Mortgage, GSE deliveries with private MI were down 9.5% from the second quarter.

The nonbank took an $8.7 million loss in the third quarter compared with a $25.3 million loss the previous quarter.

The Fed’s recent shift to rate cuts and activity involving the federal government are providing tailwinds for agency MBS investors.

The nonbank is poised to begin servicing new originations in the first quarter of 2026. And outstanding volume will shift from subservicers during the year.

“I’ve just guided that no matter what, I’m going to have the best quarter we’ve had in 4 years,” said Mat Ishbia, chairman, CEO and president of United Wholesale Mortgage. “Maybe you guys will recognize that and realize that we’re dominating out here.”

The lender’s margin went from 1.13% in the second quarter to 1.30% in the third quarter.

New rep and warrant relief at Fannie; ADUs for manufactured homes at Freddie.

Gain-on-sale margins and a strong recapture rate helped boost Guild earnings in the third quarter.