Mortgage lenders want reduced capital requirements on warehouse lending by banks. They believe higher capital requirements will flow through to pricing for mortgages.

Merchants Bank and Northpointe Bank are putting an increased emphasis on warehouse lending. (Includes one data table.)

The March re-proposal of bank capital requirements could lead to harsher treatment of warehouse lending. On the flipside, the proposal includes incentives for larger nonbanks to seek bank charters.

Scotiabank’s planned acquisition of MapleMark Bank will provide Scotiabank with FDIC deposit insurance, which could help fund warehouse lending by Scotiabank.

Warehouse borrowing capacity increased by 15.7% on an annual basis in 2025. And then interest rates on mortgages spiked in March. (Includes data table.)

The proposed budget for fiscal year 2027 would reduce HUD’s discretionary budget authority by 12.7% compared to the 2026 funding level.

Flagstar offering warehouse loans through partnership; senator investigating FICO; Waters wants conference committee for housing bill.

Nearly 60% of the mortgage finance loans outstanding from Texas Capital Bank are in enhanced structures that carry lower capital requirements for the bank.

Treasury Secretary Scott Bessent confirmed industry speculation that President Trump directed the GSEs to purchase $200 billion in MBS to offset Federal Reserve policy.

Refi originations push warehouse lending commitments up during the third quarter. On an annual basis, commitments were up 11.1%, with a handful of warehouse lenders putting a strong emphasis on the business. (Includes data table.)