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Inside Mortgage Finance

March 12, 2026

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Jumbo Share Rises in 2025 With Non-Agency Push

Non-agency jumbo mortgages accounted for 15.4% of total single-family originations in 2025, compared with a 12.7% share in 2024. Meanwhile, agency high-balance activity declined somewhat. (Includes three data tables.) Read More

MBA Critical of Housing Bill Ahead of Vote in Senate

The Senate is set to vote on legislation aimed at addressing housing affordability. MBA had supported earlier versions of the bill in the House and Senate. Read More

Credit Bureaus Slash Price of VantageScore for Mortgages

The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO. Read More

Iran Conflict Adds to Homebuyers’ Affordability Woes

Inflation from the continuing conflict in the Middle East is adding uncertainty for homebuyers who were already cautious amid a weaker labor market and fluctuating tariff policies. Read More

Mortgage Retention Rate Highest in Over a Decade

The retention rate in the fourth quarter of 2025 was the strongest since 2014, thanks to falling interest rates. Retention was especially strong among recently originated loans, ICE found. Read More

loanDepot Returns to Wholesale Channel After Three Years

This time, leaders at loanDepot note that they’re looking for operating efficiency. Read More

Drop in MSR Value Eats Into Tiptree’s Proceeds From RFC Sale

The sale proceeds Tiptree is expecting from its pending sale of Reliance First Capital are tied to the book value of the mortgage unit. Read More

Luminate’s Nonbank Operation Banned in Washington State

The consent order could have little effect as Luminate Home Loans was folded into Luminate Bank last year and continues to originate mortgages. Read More

Grapevine: Interest Rate Tracking Diverges; Pre-Acquisition Jitters

Interest rates on mortgages held steady last week, according to Freddie Mac or they rose, according to the MBA; odds of Two Harbors investors approving acquisition by United Wholesale Mortgage decline. Read More

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