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Inside Mortgage Finance

December 18, 2025

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Ginnie Servicing Share Ticks Up Again in Third Quarter

Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.) Read More

Warehouse Lending Commitments Up Slightly in 3Q

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.) Read More

Mortgage Industry Backs CFPB’s ECOA Proposal

Several mortgage trade groups expressed support for a proposal from the CFPB to remove the use of disparate-impact liability under the Equal Credit Opportunity Act. Consumer advocates oppose the effort. Read More

MBA Seeks Score Threshold for Tri-Merge System at GSEs

The MBA advanced a proposal to limit the tri-merge requirements on GSE mortgages to applicants with credit scores below 700, in an effort to reduce the cost of originating loans. Some argue that the real problem is pulling scores for borrowers who are never going to qualify for a mortgage. Read More

Housing Bill Moves in House, Differing From Senate

Rep. French Hill, R-AR, prompted the House to draft its own housing legislation rather than approving a Senate package. Read More

Interest Rates on Mortgages Expected to Hold for a While

The Federal Reserve lowered federal funds rates for the third time this year, but its easing of fiscal policy is expected to drive only modest gains in mortgage lending with interest rates on mortgages expected to hold. Read More

Lenders Welcome Trump EO Targeting State AI Regulation

The Mortgage Bankers Association said a federal policy framework for AI will give lenders and technology partners the “certainty” needed to deploy the tech safely and responsibly. It will also limit state regulation. Read More

Freddie Mac Taps Former Deloitte Executive for CEO

Kenny Smith worked at Deloitte for more than 25 years before retiring in 2020. He isn’t well known among mortgage industry participants. Read More

Grapevine: UWM Buying Two Harbors; Broker Employment Rises

UWM is set to buy Two Harbors Investment in a $1.3 billion all-stock transaction; mortgage broker employment increases in October. Read More

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