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Inside Mortgage Finance

March 19, 2026

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Ginnie, Non-Agency Loans Drive Servicing Higher

GSE servicing outstanding barely budged during 2025 while Ginnie servicing increased by 6.8% on an annual basis. In owned servicing, the only firms with major gains in 2025 were nonbanks. (Includes two data tables.) Read More

Trump Orders Mortgage Regulation Rollback

A new executive order directs federal agencies to consider changing several major mortgage regulations in part to increase mortgage lending by smaller banks. Consumer advocates raised alarms. Read More

Bank Regulators Propose Loosening Capital Requirements

The proposals would reduce capital requirements of banks in terms of mortgages held in portfolio and for mortgage servicing. Federal banking regulators said the goal is to help banks better compete with nonbanks. Read More

Divisions on Housing Bill Increase With Senate Passage

Senate last week passed a revised version of legislation aimed at easing housing affordability. House leaders aren’t fully happy with the bill. Read More

Big Shifts in Subservicing in 2025, More in the Works

Rocket is now the largest subservicer in the industry. Pennymac is poised to acquire Cenlar, the second-largest subservicer. (Includes data table.) Read More

More Retail LOs Shifting to Wholesale as Compensation Tightens

Shrinking margins in the retail space are pushing loan officers to chart their own path in the wholesale channel. Read More

Trump Signs EOs to Boost Housing Supply, Affordability

The executive order directs federal agencies to revise and, in some cases, eliminate clean energy homebuilding requirements. Read More

Radian Closes Non-Agency Conduit, Scraps Sale Effort

Radian Group is in the process of closing its non-agency conduit rather than selling the unit. Read More

CDFIs Find Strength in Numbers for Mortgage Lending

CDFIs are exploring avenues to achieve economies of scale and enable mortgage access to underserved communities and low-income borrowers. Read More

Grapevine: Two Harbors Vote Drags; GSEs’ Insurance Standards

Two Harbors seeking more votes in favor of acquisition by UWM; GSEs to ease standards for condo insurance; DOJ subpoenas to Fed rejected. Read More

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