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Inside Mortgage Finance

September 18, 2025

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Non-Agency Jumbo Lending Up Sharply in 2025

The non-agency jumbo share of total originations hit 15.8% in the second quarter. That’s the highest level since late 2022. Meanwhile, agency high-balance business was level compared with the first half of 2024. (Includes three data tables.) Read More

Fed’s Rate Cut Expected to Help Mortgage Originations

The Fed cut the federal funds rate by 25 basis points this week and further cuts are expected. Even if interest rates on mortgages don’t come down much more, demand for loans is expected to increase. Read More

Trump Administration’s Plans for GSEs Remain Unclear

The Trump administration is ramping up discussions regarding reforms to the government-sponsored enterprises but it’s still not clear what the result will be. Whether Congress will take action is also an open question. Read More

Decline in Interest Rates Could Boost MSR Sales

There’s nothing like falling interest rates to nudge a mortgage company to sell MSR. But what if rates decline more than anticipated? Read More

Industry Seeks Clarity on GSE Credit Score Changes

Mortgage lenders and their partners are working to figure out how to implement both Classic FICO and VantageScore 4.0 credit scores. Read More

MBA Adjusts Tactics as Trump Administration Moves Fast

While the trade group still submits formal comment letters, sometimes faster action is needed, such as a text from MBA President and CEO Bob Broeksmit to an administration official. Read More

Democrats in House See Bipartisan Support on Housing Issues

Democrats in the House offered 14 housing-related bills, many with bipartisan support. Read More

Figure’s IPO Met With Strong Demand From Investors

Figure Technology Solutions completed an IPO late last week, pricing the transaction at a higher level than anticipated and selling more shares than initially contemplated. Read More

Nonbanks Partnering With Depositories for Mortgages

Regulatory challenges and rising origination costs are prompting community banks and credit unions to partner with nonbanks for mortgage lending. Read More

loanDepot’s Stock Price Soars; Lender M&A

loanDepot’s common now trades for almost $5.00 a share after being close to $1.00 for much of the year. Theories for the shift include factors specific to the company or signs that the industry is turning the corner. Read More

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