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Inside Mortgage Finance

November 20, 2025

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Private MI Gains in Third Quarter, Defaults on the Rise

Government-insured production declined slightly during the third quarter, while new business for private mortgage insurers was up 3.8%. (Includes four data tables.) Read More

MSR Buyers Relying Heavily on Recapture Projections

Certain MSR buyers have been willing to pay lofty prices in recent years, hoping to recapture borrowers when interest rates decline. There are some questions about whether the moves will ultimately be profitable. Read More

Early-Stage Delinquencies Down in 3Q at Large Servicers

Among a group of servicers with $5.45 trillion in volume, the delinquency rate declined across all late categories during the third quarter. (Includes two data tables.) Read More

CFPB Floats ECOA Changes; Agency Funding in Question

The CFPB is seeking to make changes to disparate impact and special purpose credit programs. The regulator also notified a federal court that it will run out of funding in early 2026. Read More

Shareholder Ackman Refines Plan for GSE Reform

The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years. Read More

MSR Demand Expected to Remain Strong; Supply Low

Low volatility and actions by the Federal Reserve are expected to help maintain demand for MSRs. Supply will also be constrained, with lenders generating profits and large firms retaining their MSRs. Read More

USMI Calls for Modernizing FHA’s MMIF Capital Ratio

The U.S. Mortgage Insurers said FHA’s Mutual Mortgage Insurance Fund is overdue for reforms, with the 2% capital ratio requirement not sufficient to meet the standards the GSEs and private insurers must satisfy. Read More

Lenders Optimistic About Mortgage Production in 2026

The lock-in effect is expected to thaw and boost originations, but first-time homebuyers still look to be priced out of the market next year. Read More

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