Ginnie will allow trial payment periods to count toward the agency’s seasoning requirements.

FHA loss-mitigation removals more than doubled from $1.86 billion in the first quarter to $4.74 billion.

Delinquencies initially rose when FHA implemented changes to its loss-mitigation waterfall in October, installing trial payment plans that keep delinquent loans pooled for three months, generally, before the servicer can buy the loan out for a modification.

In the first half of 2026, $120.88 billion of GSE purchase mortgages with private MI was securitized, a 4.5% increase from the first half of 2025.

Equity Prime Mortgage, AmeriTrust Mortgage and OCMBC had their DE approval terminated in several regions.

The nonbank increased its Ginnie servicing portfolio by $15.70 billion during the quarter, including $14.35 billion in FHA servicing.

FHA proposed an alternative structure for its partial claims in pursuit of making the program easier for program participants and the Department of Housing and Urban Development's servicer to manage.

In late April, Ginnie announced that it would exclude FHA mortgages on trial payment plans when calculating servicers’ delinquency ratios for compliance purposes.

Primary MI volume in the agency MBS market increased at a faster pace at FHA and VA in the second quarter of 2026 compared with private MI usage with the GSEs.

M&T Bank says it has been adding capacity to its subservicing operations in anticipation of increasing volume.