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Inside MBS & ABS

August 6, 2026

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Agency MBS Issuance Sags in July as Refi Market Fades

At the end of July, the agency purchase-mortgage market was just barely ahead of the pace for the first seven months of 2025, but refinance business has doubled. (Includes two data tables.) Read More

MBS Investors Recommend Tweaks to Credit Score Framework

The Structured Finance Association says the GSEs should be able to accept multiple credit scores on a single application and disclose that information to MBS investors. Read More

GSEs Shrink MBS Share in Their Portfolios

The strategies Fannie Mae and Freddie Mac use to manage their retained mortgage portfolios appeared to converge in the second quarter. (Includes data table.) Read More

VA Payoffs Suggest Strong Refi Activity

VA loans have notoriously high prepay rates compared to FHA loans, in part because of VA’s generous refinance program. Read More

SRT Expected to Get Boost From Revised Basel III Proposal

Banks are expected to increase their use of synthetic-risk transfers following greater clarity on the products from regulators. Read More

Deterioration Continues Among Subprime Auto Borrowers

Performance among borrowers with higher loan-to-value ratios has continued to weaken relative to higher-credit-quality auto loan borrowers, and loss severity has increased. Read More

Pagaya Sees Strong Demand for ABS, Boosts Aggregation

The firm issued $3.7 billion of ABS during the second quarter, a 76.2% sequential jump. Pagaya aggregates auto loans, unsecured consumer loans and point-of-sale financing products. Read More

RTL Securitization Expected to Decline this Year

Kroll Bond Rating Agency projects that issuance involving residential transition loans will decline by 12% on an annual basis this year, continuing the sector’s uneven yearly output. Read More

Generational Wealth Transfer Could Impact MBS Supply

A significant amount of wealth is expected to be transferred to younger generations in the coming years, leading to smaller mortgage amounts and a change in MBS characteristics. Read More

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