Inside Mortgage Finance https://www.insidemortgagefinance.com/rss/articles AGNC Investment passed Annaly Capital Management during the first quarter of 2026 as the largest real estate investment trust in terms of holdings of MBS. Tue, 16 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237763-agnc-tops-annaly-among-reit-mbs-investors http://www.insidemortgagefinance.com/articles/237763 Non-QM investors prefer disciplined originators, instead of lenders who scale quickly even if it causes additional risk. Tue, 16 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237760-investors-warn-against-widening-of-non-qm-credit-box http://www.insidemortgagefinance.com/articles/237760 The agency said its current authorities to take action against fraud in the housing finance market are “indirect or limited.” Tue, 16 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237764-fhfa-seeks-fraud-enforcement-power-from-congress http://www.insidemortgagefinance.com/articles/237764 Tom Feltner, associate director of consumer policy at Americans for Financial Reform, said the changes will have a “chilling effect” on the number of people who are willing to seek help from the bureau on a wide range of issues — not just credit reporting errors. Tue, 16 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237765-cfpbs-revised-complaint-process-draws-mixed-reviews http://www.insidemortgagefinance.com/articles/237765 Rocket Companies is marketing a $706.0 million securitization of closed-end second liens. Tue, 16 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237766-short-takes-large-ces-securitization-from-rocket-wells-and-3d-printed-homes-namb-calls-for-delay-of-gse-condo-changes-pennymac-using-aws-ai-for-originations-servicing http://www.insidemortgagefinance.com/articles/237766 The nomination comes seven weeks before the anticipated expiration of Acting Director Russell Vought’s time at the bureau. Mon, 15 Jun 2026 12:09:00 -0400 https://www.insidemortgagefinance.com/articles/237731-white-house-taps-third-nominee-for-cfpb-director-position http://www.insidemortgagefinance.com/articles/237731 Industry attorneys said the complaint portal changes improve the CFPB’s complaint process as a whole, while consumer advocates argue the changes discourage consumers from filing complaints. Mon, 15 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237749-opinions-still-divided-on-cfpb-complaint-changes http://www.insidemortgagefinance.com/articles/237749 The bureau called discussions with Bilt Technologies a “collaborative process” that has secured redress for consumers harmed by the fintech’s transition to a new bank partnership. Mon, 15 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237698-cfpb-touts-new-enforcement-efforts http://www.insidemortgagefinance.com/articles/237698 The trade group said a federal AI regulatory framework is needed to avoid a patchwork of costly, confusing and potentially contradictory compliance obligations. Mon, 15 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237737-mba-renews-call-for-federal-ai-framework http://www.insidemortgagefinance.com/articles/237737 Under certain circumstances, the bureau said lenders may be obligated to consider immigration status when conducting ability-to-repay determinations. Mon, 15 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237713-cfpb-says-lenders-can-consider-immigration-status-in-atr http://www.insidemortgagefinance.com/articles/237713 Three states have enacted legislation to prohibit denials of divorce- triggered mortgage assumptions. Similar statutes are likely to follow in other states. Mon, 15 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237716-states-block-denials-on-divorce-triggered-mortgage-assumptions http://www.insidemortgagefinance.com/articles/237716 With the CFPB reportedly revisiting its 2024 proposed Regulation X servicing rule, the American Bankers Association reminded the bureau of several revisions it should consider. Mon, 15 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237693-aba-renews http://www.insidemortgagefinance.com/articles/237693 Mortgage borrowers urged the high court to weigh in on federal preemption, once again, saying a circuit court split involving interest payments on funds in mortgage escrow accounts heightens the stakes. Mon, 15 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237746-scotus-urged-to-revisit-federal-preemption http://www.insidemortgagefinance.com/articles/237746 Democrats seek to fund CFPB automatically; mortgage fraud victims will soon receive refunds. Mon, 15 Jun 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237747-other-news-in-brief http://www.insidemortgagefinance.com/articles/237747 An analysis of earnings reports from 18 lenders showed combined income from production and secondary market rose to $2.75 billion in the first quarter, a 5.0% increase from the previous period. Mon, 15 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237750-mortgage-banking-profits-rise-in-1q http://www.insidemortgagefinance.com/articles/237750 Two Harbors disclosed today that it discussed options with UWM CEO Mat Ishbia during a Zoom call on Thursday. However, no new offer was submitted ahead of the Friday deadline. Mon, 15 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237751-uwm-fails-to-provide-new-two-harbors-offer http://www.insidemortgagefinance.com/articles/237751 Fannie and Freddie report that they’ve received UAD 3.6 submissions on all property types. Likewise, Fannie said top aggregators are accepting UAD 3.6 appraisal reports and appraisal management companies support it. Mon, 15 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237752-uad-36-adoption-picks-up-ahead-of-deadline http://www.insidemortgagefinance.com/articles/237752 Under the proposed rule, the new definition of a manufactured home would allow upper floor sections to be transported and constructed without a permanent chassis. Mon, 15 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237753-hud-proposes-rule-for-multi-story-manufactured-housing http://www.insidemortgagefinance.com/articles/237753 Redwood's new MBS is stocked with bank statement and debt service coverage ratio loans. Mon, 15 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237754-short-takes-redwood-preps-alt-doc-mbs-guaranteed-rate-affinity-bolsters-builder-team-annaly-markets-agency-eligible-mbs-home-values-hit-record-high http://www.insidemortgagefinance.com/articles/237754 More than two-thirds of the largest GSE sellers saw a sequential decline in deliveries in May, with refi business slowing. But overall volume for the first five months of the year was up 35.7%. (Includes two data tables.) Fri, 12 Jun 2026 16:08:00 -0400 https://www.insidemortgagefinance.com/articles/237715-gse-market-share-wanes-in-may http://www.insidemortgagefinance.com/articles/237715 A 50% cap on debt-to-income ratio within Fannie Mae’s Desktop Underwriter acts as an extra-regulatory limit on credit availability, according to researchers at the Federal Reserve Bank of St. Louis. Fri, 12 Jun 2026 16:07:00 -0400 https://www.insidemortgagefinance.com/articles/237702-fannie-aus-more-restrictive-than-freddies http://www.insidemortgagefinance.com/articles/237702 Implementation of UAD 3.6 has proceeded steadily during broad production, with mandatory implementation still set for Nov. 2. UAD 2.6 appraisals submitted on or after that date will fail, even if the appraisal was conducted prior to the mandate. Fri, 12 Jun 2026 16:06:00 -0400 https://www.insidemortgagefinance.com/articles/237707-gses-update-industry-on-umdp-developments http://www.insidemortgagefinance.com/articles/237707 Changes at Freddie Mac simplify income history verification for both self-employed and non-self-employed borrowers. That includes certain borrowers who receive guaranteed payments from a partnership. Fri, 12 Jun 2026 16:05:00 -0400 https://www.insidemortgagefinance.com/articles/237719-selling-guide-updates-give-lenders-more-flexibility http://www.insidemortgagefinance.com/articles/237719 Lenders responsible for the majority of conventional mortgage originations are currently using VantageScore in some fashion, but it’s still not clear how they deal with differences between VS4 and classic FICO. Fri, 12 Jun 2026 16:04:00 -0400 https://www.insidemortgagefinance.com/articles/237730-unanswered-questions-about-vantagescore-40-adoption http://www.insidemortgagefinance.com/articles/237730 A GSE shareholder advocate says selling rights to existing shareholders could resolve conflicting objectives that have vexed GSE reform during the Trump administration. Fri, 12 Jun 2026 16:03:00 -0400 https://www.insidemortgagefinance.com/articles/237739-another-nuance-for-gse-reform http://www.insidemortgagefinance.com/articles/237739 Despite saying he will nominate former SEC Chair Jay Clayton as director of national intelligence, President Trump appears to be sticking with FHFA Director Bill Pulte as acting DNI. Fri, 12 Jun 2026 16:02:00 -0400 https://www.insidemortgagefinance.com/articles/237738-pultes-role-as-acting-dni-in-limbo http://www.insidemortgagefinance.com/articles/237738 Fannie launches new index; disclosure files for certain non-standard REMIC deals to be consolidated or retired. Fri, 12 Jun 2026 16:01:00 -0400 https://www.insidemortgagefinance.com/articles/237740-gse-roundup http://www.insidemortgagefinance.com/articles/237740 Loans with balances above the baseline conforming loan limit accounted for 16.4% of total originations in the first quarter of 2026. Fri, 12 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237741-jumbo-mortgage-gaining-share-in-originations http://www.insidemortgagefinance.com/articles/237741 The planned $1.02 billion deal is the largest offering in the sector thus far this year and one of the largest since the establishment of non-qualified mortgages. Fri, 12 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237742-annaly-brings-exceptionally-large-expanded-credit-mbs http://www.insidemortgagefinance.com/articles/237742 “The flatter yield curve is burning a hole in a lot of people’s pockets,” sai Alan Qureshi, president of Black Lake Investments. Fri, 12 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237743-non-agency-mbs-investors-showing-insatiable-demand http://www.insidemortgagefinance.com/articles/237743