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Home » Authors » Emmeline Willey

Emmeline Willey

ewilley@imfpubs.com
Articles

ARTICLES

HECM Endorsements Increase Slightly in 2025

April 3, 2026
Emmeline Willey
Endorsements of FHA home equity conversion mortgages rose 3.2% on an annual basis to $14.17 billion in 2025.
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GSE Lenders Stretch Credit Envelope in First Quarter

April 3, 2026
Emmeline Willey
Purchase mortgages and refinances in the highest loan-to-value ratio category accounted for a greater share of mortgages delivered to Fannie Mae and Freddie Mac in the first quarter of 2026. (Includes two data tables.)
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Bank Sales of Mortgages Rise to 2022 Level at End of 2025

April 3, 2026
Emmeline Willey
Bank mortgage sales and originations rose in the fourth quarter to levels last seen in 2022. (Includes two data tables.)
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Correspondent Channel Gains Share in FHA/VA Lending

March 31, 2026
Emmeline Willey
The correspondent channel accounted for 38.0% of government-insured originations in 2025, up from a 34.5% share in 2024.
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MBA Urges VA to Better Align Fee Documentation With Industry Standard

March 30, 2026
Emmeline Willey
The Mortgage Bankers Association urged VA to adopt lender-generated documentation and bulk invoicing because loan-specific invoices are often not available.
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Correspondent Share of FHA, VA Lending Increases in 2025

March 27, 2026
Emmeline Willey
Among a large group of lenders, the correspondent channel accounted for a 38.0% share of government-insured originations in 2025, up from a 34.5% share in 2024. (Includes data table.)
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VA Targets June Rollout of Partial Claims

March 27, 2026
Emmeline Willey
VA is aiming to roll out its partial claim program in June. The agency is also open to revising its appraisal standards.
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HECM Endorsements Tick Up in 2025

March 27, 2026
Emmeline Willey
Endorsements of home equity conversion mortgages increased by 3.2% on an annual basis in 2025, even with four consecutive quarterly declines since the fourth quarter of 2024. (Includes three data tables.)
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Ginnie Servicers Nearing DQ Ceiling Face Elevated Buyouts

March 27, 2026
Emmeline Willey
Servicers of government loans in Ginnie Mae mortgage-backed securities will need to ramp up buyout activity as delinquencies in their portfolios increase.
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Trump Directive Encourages FHA, VA Appraisal Alignment

March 27, 2026
Emmeline Willey
Executive orders from President Trump aiming to address housing supply and affordability include many FHA and VA provisions.
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View All Articles by Emmeline Willey

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