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Inside Mortgage Finance

December 11, 2025

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Agency Jumbo Business Level During Third Quarter

Some $13.26 billion of high-balance mortgages were included in agency MBS issued during the third quarter of 2025. Nine months into the year, agency high-balance sales were down somewhat on an annual basis, with the decline concentrated in sales to the GSEs. (Includes three data tables.) Read More

Fannie Rumored to Consider Changes to Net Worth Requirements

Long-time industry gadfly Chris Whalen said the GSE plans to disqualify some types of capital from use to calculate net worth. Read More

CFPB to Let Mortgage Industry Calculate APOR

The CFPB plans to issue guidance that will allow mortgage lenders to calculate the average prime offer rate in the event that the bureau runs out of funding. Read More

Housing Legislation Stalled in Congress Until 2026

The Senate-approved ROAD to Housing Act was dropped from a 2026 defense bill. However, House Republicans indicated that they’re working toward legislation to address housing affordability. Read More

Nonbanks Outpace Banks on Refi Retention

Banks have deprioritized refinance recapture due to changes in capital requirements and an emphasis on high-net worth borrowers. Read More

Affordability Constrained Even as HPA Slows, Rates Decline

Housing affordability has improved due to slowing home price appreciation and growing inventory but it is still lagging historical levels. Read More

FHA Drafts Updates to CWCOT, 203(k) Policies

FHA has proposed changes to its claims without conveyance of title auctions and its limited 203(k) rehabilitation program. Read More

Trade Groups Urge Congress to Stabilize NFIP

Insurance and mortgage industry representatives renewed calls for long-term funding for the National Flood Insurance Program. Read More

Milliman Buys Servicing Advisory Firm MorVest

Milliman has acquired MorVest Capital, a Texas-based mortgage servicing rights advisor. Read More

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