https://www.insidemortgagefinance.com/rss en-us jbancroft@imfpubs.com Bank holding companies reported a 3% decline in trading-account holdings of residential MBS, commercial MBS and ABS in the second quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238606 Thu, 24 Sep 2026 16:00:00 -0400 https://www.insidemortgagefinance.com/articles/238606-banks-sched-mbs-abs-from-trading-accounts-in-2q26 dhollier@imfpubs.com FHFA directed Fannie Mae and Freddie Mac to resume the MBS buying spree that President Trump requested in January. http://www.insidemortgagefinance.com/articles/238634 Thu, 24 Sep 2026 15:59:47 -0400 https://www.insidemortgagefinance.com/articles/238634-ramping-up-mbs-purchases-at-the-enterprises ewilley@imfpubs.com Ginnie Mae established new categories to set pooling timelines for construction-to-permanent and rehabilitation loans. http://www.insidemortgagefinance.com/articles/238640 Thu, 24 Sep 2026 15:55:56 -0400 https://www.insidemortgagefinance.com/articles/238640-ginnie-issues-guidance-on-c-to-p-loan-pooling azimmardi@imfpubs.com Andrew Davidson & Co. is testing an update to its non-agency mortgage model for investors that incorporates loan-level data from post-2008 loans. http://www.insidemortgagefinance.com/articles/238608 Thu, 24 Sep 2026 15:54:58 -0400 https://www.insidemortgagefinance.com/articles/238608-non-agency-credit-model-features-robust-loan-level-data sclark@imfpubs.com A New York appellate court upheld a ruling that deferred mortgage loan principal payments under a crisis-era loan-modification program should be treated as subsequent recoveries. http://www.insidemortgagefinance.com/articles/238632 Thu, 24 Sep 2026 15:53:02 -0400 https://www.insidemortgagefinance.com/articles/238632-subordinate-investors-in-non-agency-mbs-prevail-in-hamp-lawsuit sclark@imfpubs.com The lawsuit challenged a New York law that prevents servicers from manipulating the six-year statute of limitations to restart or prolong fore-closure actions. http://www.insidemortgagefinance.com/articles/238624 Thu, 24 Sep 2026 15:52:05 -0400 https://www.insidemortgagefinance.com/articles/238624-mortgage-investor-loses-challenge-to-ny-foreclosure-lawsuit bivey@imfpubs.com Rocket’s acquisition of Mr. Cooper and Pennymac’s pending acquisition of Cenlar have prompted some changes in market share. M&T Bank posted a sharp increase in subservicing in the second quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/238612 Thu, 24 Sep 2026 12:00:15 -0400 https://www.insidemortgagefinance.com/articles/238612-rocket-cenlar-subservicing-portfolios-down-in-2q bivey@imfpubs.com Lawrence Yun, chief economist of the National Association of Realtors, pegs 7% interest rate as “the new normal.” http://www.insidemortgagefinance.com/articles/238623 Thu, 24 Sep 2026 11:59:16 -0400 https://www.insidemortgagefinance.com/articles/238623-lenders-brace-for-interest-rates-even-higher-for-longer dhollier@imfpubs.com Lenders expect confusion if the GSEs haven’t implemented FICO 10T before FHA allows for use of the score in January. http://www.insidemortgagefinance.com/articles/238611 Thu, 24 Sep 2026 11:57:19 -0400 https://www.insidemortgagefinance.com/articles/238611-fha-leapfrogs-gse-credit-score-timeline dhollier@imfpubs.com A new study by UI housing researchers shows that VantageScore 4.0 and FICO 10T significantly outperform Classic FICO. 10T also outperforms VS4, but by a much smaller margin. http://www.insidemortgagefinance.com/articles/238573 Thu, 24 Sep 2026 11:56:21 -0400 https://www.insidemortgagefinance.com/articles/238573-what-about-fico-10t ewilley@imfpubs.com Congress is going to face a serious reckoning on the federal budget if it wants to stop rising interest rates from crippling its spending capabilities, according to political insiders. http://www.insidemortgagefinance.com/articles/238607 Thu, 24 Sep 2026 11:54:25 -0400 https://www.insidemortgagefinance.com/articles/238607-budget-pressure-ramps-up sclark@imfpubs.com Industry attorneys outlined compliance scenarios tied to joint ventures, marketing service agreements and employee arrangements. http://www.insidemortgagefinance.com/articles/238615 Thu, 24 Sep 2026 11:53:27 -0400 https://www.insidemortgagefinance.com/articles/238615-respa sclark@imfpubs.com Ahead of the vote, Sen. Elizabeth Warren, D-MA, ranking member of the banking committee, released Johnson’s responses to her Questions for the Record following his nomination hearing in July. http://www.insidemortgagefinance.com/articles/238572 Mon, 21 Sep 2026 14:52:04 -0400 https://www.insidemortgagefinance.com/articles/238572-senate-committee-advances-johnson-nomination sclark@imfpubs.com The House Financial Services Committee also advanced a bill aimed at reforming the CFPB’s civil investigative demand process. http://www.insidemortgagefinance.com/articles/238588 Mon, 21 Sep 2026 14:51:06 -0400 https://www.insidemortgagefinance.com/articles/238588-house-committee-advances-cfpb-reform-act sclark@imfpubs.com An appeals court found that a FedEx service, which Rocket Mortgage used to serve its complaint and summons, failed to comply with civil rules governing service of process. http://www.insidemortgagefinance.com/articles/238525 Mon, 21 Sep 2026 14:50:07 -0400 https://www.insidemortgagefinance.com/articles/238525-appeals-court-continues-rocket-foreclosure-lawsuit sclark@imfpubs.com Industry experts offered a series of examples on the best ways to value and verify services prior to payment. http://www.insidemortgagefinance.com/articles/238591 Mon, 21 Sep 2026 14:43:11 -0400 https://www.insidemortgagefinance.com/articles/238591-respa sclark@imfpubs.com Lisa Rice, president and CEO of the National Fair Housing Alliance, said states’ approach to enforcement is expected “for the long haul.” http://www.insidemortgagefinance.com/articles/238566 Mon, 21 Sep 2026 14:40:13 -0400 https://www.insidemortgagefinance.com/articles/238566-nfha sclark@imfpubs.com The framework provides state examiners with a tool to identify and understand AI at financial entities, assess associated risks and determine when deeper review may be needed. http://www.insidemortgagefinance.com/articles/238553 Mon, 21 Sep 2026 14:39:25 -0400 https://www.insidemortgagefinance.com/articles/238553-csbs-launch-ai-supervisory-framework sclark@imfpubs.com Former CFPB officials said reform efforts are necessary, but that they should stabilize the bureau and create continuity in its mission, even when there are changes in leadership. http://www.insidemortgagefinance.com/articles/238541 Mon, 21 Sep 2026 14:37:27 -0400 https://www.insidemortgagefinance.com/articles/238541-cfpb-reform sclark@imfpubs.com Deed fraud, subject-to financing and rent-to-own properties are among some state regulators’ current concerns. http://www.insidemortgagefinance.com/articles/238592 Mon, 21 Sep 2026 14:35:27 -0400 https://www.insidemortgagefinance.com/articles/238592-state-regulators-tackling-property-scams sclark@imfpubs.com CFPB revises its toolkit for prospective homebuyers; NCLC adds new board members. http://www.insidemortgagefinance.com/articles/238590 Mon, 21 Sep 2026 14:34:30 -0400 https://www.insidemortgagefinance.com/articles/238590-other-news-in-brief sclark@imfpubs.com Lenders are pushing for changes to a Colorado rule that will create new obligations for developers and deployers of automated decision-making technology that materially influences consequential decisions. http://www.insidemortgagefinance.com/articles/238550 Fri, 18 Sep 2026 15:57:53 -0400 https://www.insidemortgagefinance.com/articles/238550-mortgage-industry-concerned-about-colorado-admt-regulation ewilley@imfpubs.com MSR owners risk paying for fees they’re not responsible for and potentially overpaying for contracts if they don’t regularly review subservicer invoices, said Steve Stone, managing director at consultancy Garrett, McAuley and Co. http://www.insidemortgagefinance.com/articles/238579 Fri, 18 Sep 2026 15:51:05 -0400 https://www.insidemortgagefinance.com/articles/238579-servicers-lose-margin-by-dozing-on-subservicer azimmardi@imfpubs.com Homeownership remains a priority even as potential homebuyers face elevated interest rates. http://www.insidemortgagefinance.com/articles/238576 Fri, 18 Sep 2026 15:49:10 -0400 https://www.insidemortgagefinance.com/articles/238576-insurance-rate-increases-begin-to-slow-homeowners-resilient dhollier@imfpubs.com Fannie Mae and Freddie Mac securitizations jumped 11.1% last month, reversing a three-month declining trend. On a year-to-date basis, GSE sales were up 22.5% from the first eight months of 2025. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238558 Fri, 18 Sep 2026 13:57:24 -0400 https://www.insidemortgagefinance.com/articles/238558-gse-deliveries-rise-but-not-as-much-as-ginnies dhollier@imfpubs.com Even though FHFA Director Bill Pulte spent much of last year floating the idea of LLPA reform as a way to lower the cost of a mortgage, the new LLPA grids for VantageScore 4.0 were not accompanied by a reduction in fees for Classic FICO loans. http://www.insidemortgagefinance.com/articles/238567 Fri, 18 Sep 2026 13:56:26 -0400 https://www.insidemortgagefinance.com/articles/238567-pricing-grids-vs-llpa-reform dhollier@imfpubs.com Industry stakeholders say credit score changes are positive, but still face operational and market challenges. http://www.insidemortgagefinance.com/articles/238556 Fri, 18 Sep 2026 13:55:28 -0400 https://www.insidemortgagefinance.com/articles/238556-some-confusion-about-credit-score-changes dhollier@imfpubs.com The FHFA director claims private mortgage insurers are excessively profitable and should return some of that money to consumers. http://www.insidemortgagefinance.com/articles/238580 Fri, 18 Sep 2026 13:54:29 -0400 https://www.insidemortgagefinance.com/articles/238580-pmis-find-themselves-in-pultes-crosshairs dhollier@imfpubs.com The agency must release 1,746 documents requested by FOIA specialist Jason Leopold because it failed to adequately demonstrate foreseeable harm from their release. http://www.insidemortgagefinance.com/articles/238589 Fri, 18 Sep 2026 13:53:31 -0400 https://www.insidemortgagefinance.com/articles/238589-fhfa-ordered-to-release-documents-in-foia-case dhollier@imfpubs.com New research suggests that as much as a third of the difference in a loan’s VantageScore 4.0 score and its FICO 10T score is unrelated to the credit-scoring model. http://www.insidemortgagefinance.com/articles/238578 Fri, 18 Sep 2026 13:52:39 -0400 https://www.insidemortgagefinance.com/articles/238578-credit-scores-depend-on-more-than-the-model