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Home » Topics » IMFnews » Originations

Originations
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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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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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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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Homebuilder Hovnanian Takes Quarterly Loss, Margins Shrink

December 5, 2025
Brandon Ivey
Buydowns on mortgages are eating into Hovnanian Enterprises' margins.
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Short Takes: Freedom Plans Debt Offering / Unlock Brings Large HEI Securitization / MFA Offers Its Largest Expanded-Credit MBS of the Year / Mortgage Fraud Case Against NY AG Falters

December 5, 2025
Brandon Ivey
The amount, coupon and maturity of Freedom Mortgage's planned debt offering will be determined at the time of issuance, according to Fitch Ratings.
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Republicans in House Aim to Reduce Regulations for Housing

December 4, 2025
Emmeline Willey
Republicans in the House plan to reduce regulations to improve housing affordability.
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