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Home » Topics » IMFnews » Originations

Originations
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Treatment of Warehouse Lending in Basel Re-Proposal Seen as Too Harsh

July 15, 2026
Brandon Ivey
The Mortgage Bankers Association said, if implemented, the proposed changes would make it “unattractive for banks to continue to offer” warehouse lines to nonbank mortgage companies.
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Short Takes: FHA, VA Refi Applications Up Even With Higher Interest Rates / JPMorgan Selling ARMs / New American Funding Switching to Vesta’s LOS / Activist Shareholder Pressures loanDepot

July 15, 2026
Brandon Ivey
Applications for refinances with FHA and VA increased by nearly double digits on a weekly basis last week.
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Originations Spike at Big Banks in 2Q, Production Revenue Down

July 14, 2026
Brandon Ivey
JPMorgan Chase originated $21.2 billion of residential mortgages during the second quarter, a 27.7% quarterly increase.
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LTV Ratios Rise on GSE Deliveries in Second Quarter

July 14, 2026
Brandon Ivey
Lenders were a little more lenient about loan-to-value ratios on their deliveries to the GSEs during the second quarter of 2026.
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Depository Regulators Issue Guidance on Lending to Noncitizens

July 14, 2026
Shannon Clark
The guidance was in response to a May 19 executive order regarding risks to the financial system from individuals not authorized to work in the U.S.
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Bill Beneficial to Credit Resellers Advancing in House

July 14, 2026
Shannon Clark
The Fair Credit Reporting Reseller Accuracy Act aims to reduce litigation for credit resellers.
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Support for Tax Credit for Construction, Rehabilitation

July 14, 2026
James Dohnert
H.R.2854, the Neighborhood Homes Investment Act, would provide federal tax credits to help close the gap between the cost of constructing or rehabilitating a home and its market value.
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Housing Bill Moves Ahead Without White House Support

July 13, 2026
James Dohnert
Despite the lack of presidential support, lawmakers said the passage of the bipartisan bill was an important step in boosting housing affordability.
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UWM’s All-In Addendum Led to Lower Prices

July 13, 2026
Dennis Hollier
UWM’s 2021 decision to ban affiliated brokers from working with Rocket Mortgage may have temporarily led to a reduction in rates.
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Short Takes: VantageScore 4.0 Could Unlock New Lending Opportunities / Hometown Financial to Acquire Primary Bank / CCBank, Security Home Mortgage Rebrand / Home Prices Reach New High

July 13, 2026
James Dohnert
VantageScore touts new study that claims its score model will allow access to $1 trillion in new lending opportunities.
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