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Inside Mortgage Finance

February 19, 2026

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Refinances Lift Primary MI to a Strong Finish in 2025

Strong refinance business offset a decline in new primary MI coverage on purchase mortgages during the fourth quarter. Default rates and losses were on the upswing. (Includes four data tables.) Read More

Fed to Propose Capital Relief for Banks on MSRs

The Federal Reserve will soon issue proposals revising capital requirements set under the Basel framework in a way that could increase bank involvement in mortgage originations and servicing. Read More

Large Servicers See Sharp Increase in Delinquencies

Delinquencies continue to rise but industry participants stress there’s no cause for concern. They pointed to a change in FHA loss-mitigation policies during the fourth quarter and “market recalibration.” (Includes two data tables.) Read More

Pennymac Sees Strong Economics in Subservicing

Pennymac’s deep expertise in servicing its own book of business uniquely positions the company to acquire subservicing giant Cenlar, according to industry analysts. Read More

VA Closer to Implementing Partial Claim for Loss Mitigation

The Department of Veterans Affairs is developing policy to support the partial claim program authorized by Congress last year, according to the executive director of VA’s Loan Guaranty Service. Read More

Servicers Working to Improve Recapture Efforts

Servicers are doubling down on their recapture strategies, but to an extent they might be racing the clock as borrowers lose satisfaction with their servicer over time, industry leaders said this week. Read More

Congress Returns to the Conservatorship Debate

House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac. Read More

Lenders Taking Multipronged Approach to Encourage Affordability

David Neylan, president and chief operating officer at Guild Mortgage, said there is no quick fix to make homebuying more affordable. Read More

Industry Backs HUD’s Plan to End Discriminatory Effects Rule

Mortgage industry generally supports the proposal’s efforts to withdraw HUD’s discriminatory effects regulations. Read More

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