September 19, 2025

ARM Originations Soar in Second Quarter, Chase Leads

Production of adjustable-rate mortgages increased almost across the board in the second quarter of 2025. As usual, banks led the charge. (Includes data table.) Read More

Non-Agency Market Growing, DSCR Concerns Linger

Players in the non-qualified mortgage market are expecting interest rates on non-agency mortgages to slowly fall following the Federal Reserve’s cut to the federal funds rate. Read More

Correspondent Share of Nonconforming Lending Up

The correspondent channel gained market share from both the retail and broker channels in the first half of 2025. (Includes data table.) Read More

Lenders Begin to Bump Up Conforming Loan Limits

Some lenders announced increases in their conforming loan limits before an official announcement from the Federal Housing Finance Agency for 2026 limits. Read More

Hanover Bank Putting Emphasis on Non-Agency Mortgages

Since 2009, Hanover Bank, a small community bank in New York, has had a strong focus on the non-agency market. Read More

HEI Providers Facing Pressure From States

Several states are taking a closer look at home equity investment offerings, with some courts finding that they are exploitative. Read More

AmPledge Offers Automated Hardship Assistance

American Pledge Foundation, a nonprofit, has launched a sustainable homeownership program that establishes a safety-net fund equal to 5% of a home’s value for the first five years of a loan. Read More

News Briefs

Non-QM lender Pacaso receives $100 million credit facility from Texas Capital; Merchants Bank is using Blue Sage Solutions’ digital lending platform for its jumbo correspondent lending program. Read More

Inside Nonconforming Markets

View Archived Issues

ARM Originations Soar in Second Quarter, Chase Leads

Non-Agency Market Growing, DSCR Concerns Linger

Correspondent Share of Nonconforming Lending Up

Lenders Begin to Bump Up Conforming Loan Limits

Hanover Bank Putting Emphasis on Non-Agency Mortgages

HEI Providers Facing Pressure From States

AmPledge Offers Automated Hardship Assistance

News Briefs

Latest Imf News

Refi Decline Dents GSE Single-Family Business in July

Ginnie President Gives Update on Loan Level Initiative

Freddie Readies Servicers for Default Reporting Updates

CFPB Revises ECOA Baseline Review Procedures

Featured Data

GSEs Deliver Consistent Profits; No Closer to Solvency

Bank Mortgage Earnings Tick Up in Second Quarter

Non-Agency Pushes CMBS Issuance Up Slightly in 2Q

PMIs Gain Purchase Share, Refinance Share Slips

Featured Reports

Mortgage Profitability Report 1Q26 (PDF)

Top Mortgage Players: 1Q26 (PDF)

Agency Seller-Issuer Profile: 1Q26 (PDF)

2026 Mortgage Market Statistical Annual (PDF)

Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

Inside Nonconforming Markets

September 19, 2025

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?