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ARMs Help Boost Mortgage Credit Availability

December 9, 2025
James Dohnert
Lending standards are loosening as more borrowers opt for adjustable-rate mortgages.
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Short Takes: Housing Trust Fund Allocation Later This Year / Milliman Acquires MorVest Capital / Monthly Mortgage Payments Rise / Chase Preps Jumbo MBS

December 9, 2025
James Dohnert and Brandon Ivey
Housing Trust Fund allocations for 2026 were just announced, months behind the usual timeline.
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Brokers, Correspondents Increase Conforming Originations

December 8, 2025
Andras Malatinszky
Correspondents upped their share significantly in the government-insured market, while brokers took a bigger bite of nonconforming lending.
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Housing Legislation in Congress Will Wait Until 2026

December 8, 2025
Brandon Ivey
Republicans in the House balked at including the ROAD to Housing Act in a defense spending bill.
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Freddie Issues Selling Guide Bulletin on AI Oversight

December 8, 2025
Dennis Hollier
Beginning March 3, seller/servicers that use artificial intelligence or machine language in the origination of loans sold to Freddie must ensure those systems comply with applicable law.
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Servicer Refi Retention Rose to Three-Year High

December 8, 2025
James Dohnert
Servicer refinance retention rose to 28% in the third quarter, according to a report from Intercontinental Exchange.
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Short Takes: Investor Purchases Stay Flat in 3Q / Homebuyers Ready to Buy in 2026 / Buyers Moving to Refuge Markets / Angelo Gordon Preps MBS of Agency-Eligible Investor Loans

December 8, 2025
James Dohnert
A soft rental market is holding back home sales to investors.
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Broker Share of Originations Ticks Up in Third Quarter

December 5, 2025
Brandon Ivey
Only the broker channel managed to increase production in the third quarter, up 1.1% from the second quarter to $96.0 billion.
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FHA Proposes Raising Draw Limits on Rehabilitation Loans

December 5, 2025
Emmeline Willey
The proposal would raise the number of draw requests permitted per contractor from two to four under FHA's Limited 203(k) Rehabilitation program.
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SEC Sees Support for Effort to Revise MBS Disclosures

December 5, 2025
Abby Zimmardi
The SEC is looking to revise disclosure requirements for publicly-registered MBS and ABS to help increase issuance.
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Latest Imf News

  • Correspondent Channel Loses More Share in First Quarter

  • GSEs’ Treatment of VantageScore a Black Box

  • GSE MBS Investors Frustrated by Trump Administration

  • Netcapital to Acquire Resmac in $5 Million Deal

More Imf News

Featured Data

  • FHA Refis Sole Bright Spot in First-Quarter Originations

  • Banks’ Mortgage Holdings Inch Down in First Quarter

  • Chase Lags on Non-Agency MBS Servicing

  • Bank Holdings of Consumer ABS Trend Higher in 1Q

More Featured Data

Featured Reports

  • IMF HMDA Dashboard: 2025

  • 2026 Mortgage Market Statistical Annual (PDF)

  • Mortgage Servicing Rights Report: 4Q25 (PDF)

  • Mortgage Profitability Report 4Q25 (PDF)

More Latest Reports

Featured Poll

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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