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Inside Mortgage Finance

January 15, 2026

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A New King is Crowned in Agency Mortgage Servicing

The fastest-growing sector of the agency servicing market was the cohort with coupons of 5% to 6%, which was up 11.8% in the fourth quarter. MSR with rates above 6% surged to $2 trillion. (Includes two data tables.) Read More

Lenders Expect Origination Boost From GSE MBS Purchases

President Trump’s announcement that the GSEs will buy $200 billion of agency MBS prompted mortgage spreads to tighten by about 20 basis points and some lenders to offer mortgages below 6.00%. Read More

Trump’s MBS Purchase Plan Runs Counter to Fed Policy

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

CFPB Requests Funds From Fed to Comply With Court

CFPB Acting Director Russell Vought noted his disagreement with the court’s opinion in his funding request to the Fed. Vought’s time at the bureau is on the clock under the Federal Vacancies Reform Act. Read More

Third-Party Lending Expected to See Boost in 2026

Both wholesale and correspondent lending look poised to increase this year, according to industry participants. Read More

Big Banks Boost Originations in Fourth Quarter

Wells Fargo, Bank of America, and Chase increased mortgage production during the fourth quarter. Read More

HUD Seeks to Withdraw Its Discriminatory Effect Rule

HUD said its prior assertion that the disparate-impact regulations provided “clarity and predictability” is diminished following the Supreme Court decision overruling the Chevron framework. Read More

New York Enacts CRA Requirements for Nonbank Lenders

The New York Department of Financial Services adopted a new regulation to implement a 2021 law extending the state’s Community Reinvestment Act requirements to nonbanks. Read More

Lenders Turning to Tech to Help With Originations Uptick

Lenders are looking to investments in technology to help scale originations without adding a huge number of LOs when lending increases. Read More

Pulte Leaves Many Threads Hanging After First Year at FHFA

FHFA Director Bill Pulte delivered on some of his touted plans during 2025, with many other efforts in limbo. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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