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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

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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USDA to Pilot Delegated Underwriting Authority

March 27, 2026
Emmeline Willey
The U.S. Department of Agriculture’s Rural Housing Service will allow some lenders to begin trialing long-awaited delegated underwriting authority.
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MBA Calls for Flexibility on VA Fee Documentation

March 27, 2026
Emmeline Willey
The granular fee documentation requirements VA imposes on lenders are inconsistent with how some services are priced, according to the Mortgage Bankers Association.
Read More

Around the Industry

March 27, 2026
Emmeline Willey
FHA spread widens; MBA dispels rumor about False Claims Act lawsuits; Ginnie digitizes multifamily claims.
Read More
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