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Home » Topics » Government-Insured Lending » FHA

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VA Denial Rate Declines Amid Surge in Applications

June 5, 2025
Emmeline Willey
Lenders turned down 24.5% of VA refi applications in 2024, compared with 37.3% in the previous year.
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Short Takes: Bowman Confirmed in Fed Role / Pulte’s ‘Interesting’ Meetings / A&D Expands FHA Offerings / New Prime Non-Agency MBS

June 5, 2025
Brandon Ivey
The confirmation of Michelle Bowman as vice chair for supervision at the Fed could prompt the Fed to begin to make regulatory changes.
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Ginnie, FHA Officials Eye Rising FHA Delinquencies

June 3, 2025
Emmeline Willey
Delinquencies on FHA mortgages have crept higher since recovering from the pandemic.
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Short Takes: UWM Offering FHA, VA ARMs / Provident Sending GSE-Eligible Mortgages to Non-Agency MBS / Chase Revives Higher-LTV-Ratio Jumbo MBS Shelf / Few Homebuyers

May 29, 2025
Brandon Ivey
ARMs accounted for less than 1% of total FHA originations in 2024.
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Short Takes: CRT From Freddie / FHA Turns to AI / Point Boosts HEI Securitization / PRMG Partners on Credit Card

May 13, 2025
Brandon Ivey
Freddie Mac is marketing a $529.00 million CRT deal.
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MBS Investors Seek Further Buydown Limitations From Ginnie

May 9, 2025
Emmeline Willey
Ginnie MBS investors continue to have concerns about mortgages with permanent buydowns.
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Loan Removals From Ginnie MBS Slow in First Quarter

May 8, 2025
Emmeline Willey
Removal activity had increased in each of the previous four quarters.
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Trump Admin Makes Sweeping Changes to FHA Loss-Mit

April 16, 2025
Emmeline Willey
FHA’s COVID-19 loss-mitigation options will be rescinded and the Trump administration is taking a close look at the payment supplement program established during the Biden administration.
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HECM Endorsements Decline in 2024

April 10, 2025
Brandon Ivey
HECM endorsements declined by 8.6% on an annual basis in 2024.
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Turner: HUD ‘Taking Inventory of Every Program’

April 9, 2025
Emmeline Willey
Among a series of sports analogies, Scott Turner, a former player in the NFL, said that HUD and the mortgage industry would need to “huddle” to solve the housing affordability crisis.
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