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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

  • Refi Deliveries to GSEs Level Off in January

  • Fannie's Profits Dip in 4Q on Fair Value Losses

  • House Committee Split on Next Affordable Housing Efforts

  • FHFA, Ginnie to Increase Oversight of Nonbank Servicers

More Imf News

Featured Data

  • Mortgage Complaints to CFPB Tick Up in Fourth Quarter

  • Agency MSR Transfers Pick Up in Fourth Quarter of 2025

  • Record Year for CLO, But Issuance Slowed in 4Q25

  • Originations Increase in Fourth Quarter With Refi Push

More Featured Data

Featured Reports

  • Mortgage Servicing Rights Report: 3Q25 (PDF)

  • IMF Mortgage Directory: Full interactive database

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

  • IMF HMDA Dashboard: 2024

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?

View Results
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