https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com Ginnie Mae single-family servicing outstanding increased modestly during the second quarter, but individual servicers’ portfolios saw big movements. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/238022 Fri, 17 Jul 2026 14:31:24 -0400 https://www.insidemortgagefinance.com/articles/238022-top-ginnie-servicers-see-modest-2q-growth ewilley@imfpubs.com FHA terminated three lenders’ direct endorsement privileges across several regions. FHA terminated three lenders’ direct endorsement privileges across several regions.]]> http://www.insidemortgagefinance.com/articles/238023 Fri, 17 Jul 2026 14:07:08 -0400 https://www.insidemortgagefinance.com/articles/238023-fha-terminates-direct-endorsements-in-southeast ewilley@imfpubs.com The Community Home Lenders of America said the small-dollar lending initiative introduced by the 21st Century ROAD to Housing Act needs to include direct incentivization to work. http://www.insidemortgagefinance.com/articles/238024 Fri, 17 Jul 2026 14:06:42 -0400 https://www.insidemortgagefinance.com/articles/238024-direct-payments-would-boost-small-dollar-lending-chla-says ewilley@imfpubs.com Ginnie waives VA delinquency compliance for TPPs; FHA application share rises; FHA foreclosures. http://www.insidemortgagefinance.com/articles/238025 Fri, 17 Jul 2026 14:05:45 -0400 https://www.insidemortgagefinance.com/articles/238025-around-the-industry azimmardi@imfpubs.com Issuance of expanded-credit mortgages declined by 4.8% on a quarterly basis in the second quarter, with purchase-mortgage volume down. (Includes three data charts.) http://www.insidemortgagefinance.com/articles/237988 Fri, 17 Jul 2026 11:10:43 -0400 https://www.insidemortgagefinance.com/articles/237988-ecm-mbs-issuance-drops-driven-by-decline-in-purchase-mortgages azimmardi@imfpubs.com Servicers of business purpose loans noted challenges handling the asset class due to the customizable structure of the loans. http://www.insidemortgagefinance.com/articles/238003 Fri, 17 Jul 2026 11:08:44 -0400 https://www.insidemortgagefinance.com/articles/238003-servicers-cite-several-challenges-in-the-bpl-space azimmardi@imfpubs.com Founded in 2019, New York-based Button Finance originally planned to focus on home equity lending, but is now branching out into non-qualified mortgages. http://www.insidemortgagefinance.com/articles/238006 Fri, 17 Jul 2026 11:07:45 -0400 https://www.insidemortgagefinance.com/articles/238006-button-finance-scales-into-non-qm azimmardi@imfpubs.com If passed, the Home Equity Lending Integrity Act would regulate home equity investment products, including subjecting HEIs to requirements under the Truth in Lending Act. http://www.insidemortgagefinance.com/articles/237985 Fri, 17 Jul 2026 11:06:46 -0400 https://www.insidemortgagefinance.com/articles/237985-home-equity-lending-integrity-act-could-regulate-heis-at-federal-level azimmardi@imfpubs.com Impairments on non-qualified mortgages rose on a monthly basis in May, driven by higher new impairments and weaker cure and made payment rates, according to dv01. http://www.insidemortgagefinance.com/articles/237998 Fri, 17 Jul 2026 11:04:48 -0400 https://www.insidemortgagefinance.com/articles/237998-non-qm-performance-drags-in-may azimmardi@imfpubs.com June’s growth follows a period of stagnation as bridge lending volume flattened out at the end of 2025 and into early 2026. http://www.insidemortgagefinance.com/articles/238009 Fri, 17 Jul 2026 11:03:53 -0400 https://www.insidemortgagefinance.com/articles/238009-rtl-lending-is-strong-in-june azimmardi@imfpubs.com More than 70% of buyers of luxury-priced homes pay in cash, while 6.5% of luxury buyers use traditional financing, according to a recent report from Coldwell Banker Global Luxury. http://www.insidemortgagefinance.com/articles/238019 Fri, 17 Jul 2026 11:02:54 -0400 https://www.insidemortgagefinance.com/articles/238019-growing-number-of-luxury-buyers-are-less-reliant-on-mortgages azimmardi@imfpubs.com JPMorgan Chase offers unique non-agency MBS; book value declines at Redwood Trust; Silver Hill Capital launches medical professional loan program. http://www.insidemortgagefinance.com/articles/238021 Fri, 17 Jul 2026 11:01:55 -0400 https://www.insidemortgagefinance.com/articles/238021-news-briefs jbancroft@imfpubs.com Although securitization of seasoned non-agency loans fell by 50% from an abnormally high level in early 2026, issuance of MBS backed by recently originated loans held fairly steady. (Includes three data files.) http://www.insidemortgagefinance.com/articles/238000 Thu, 16 Jul 2026 17:00:52 -0400 https://www.insidemortgagefinance.com/articles/238000-non-agency-mbs-issuance-declines-sharply-in-2q26 azimmardi@imfpubs.com Kroll Bond Rating Agency last week assigned ratings on a $191.5 million deal of residential transition loans from Fidelis Investors. http://www.insidemortgagefinance.com/articles/238018 Thu, 16 Jul 2026 16:54:53 -0400 https://www.insidemortgagefinance.com/articles/238018-kbra-begins-rating-rtls sclark@imfpubs.com The Structured Finance Association asked NAIC to work with existing supervisory authorities responsible for oversight of rating services to avoid creating duplicative oversight obligations. http://www.insidemortgagefinance.com/articles/238017 Thu, 16 Jul 2026 16:52:55 -0400 https://www.insidemortgagefinance.com/articles/238017-sfa-recommends-changes-to-naic-crp-framework bivey@imfpubs.com The near-term credit impact of the new housing legislation on existing SFR securitizations is expected to be benign. Build-to-rent properties are expected to be the predominant collateral in new securitizations. http://www.insidemortgagefinance.com/articles/238004 Thu, 16 Jul 2026 16:50:56 -0400 https://www.insidemortgagefinance.com/articles/238004-outstanding-sfr-securitizations-safe-from-road-law jdohnert@imfpubs.com Investors are scrutinizing risks to MBS posed by climate issues. Analysts believe the anxiety doesn’t align with historical data. http://www.insidemortgagefinance.com/articles/237954 Thu, 16 Jul 2026 16:45:03 -0400 https://www.insidemortgagefinance.com/articles/237954-mbs-investors-raise-concerns-on-climate-risk bivey@imfpubs.com The firm started offering credit cards in 2024 and is poised to top more than one million cardholders this year. The monthly payment rate on Robinhood’s gold card is well above MPRs for cards from many other firms, thanks to the 3% cash back offered on all transactions. http://www.insidemortgagefinance.com/articles/238020 Thu, 16 Jul 2026 16:44:08 -0400 https://www.insidemortgagefinance.com/articles/238020-robinhood-upsizes-its-first-credit-card-abs dhollier@imfpubs.com Historic data appear to show that FICO 10T credit scores are slightly more accurate than VantageScore 4.0 at predicting defaults. http://www.insidemortgagefinance.com/articles/237990 Thu, 16 Jul 2026 11:12:22 -0400 https://www.insidemortgagefinance.com/articles/237990-comparing-fico-10t-to-vantagescore-40 sclark@imfpubs.com In his first appearance before Congress as CFPB acting director, Russell Vought argued that changes to the CFPB were necessary as the bureau was “out-of-control.” http://www.insidemortgagefinance.com/articles/238005 Thu, 16 Jul 2026 11:08:25 -0400 https://www.insidemortgagefinance.com/articles/238005-vought-backs-his-cfpb-changes-before-house sclark@imfpubs.com The Federal Reserve is poised to issue a final rule adjusting requirements under the Community Reinvestment Act. It’s unclear if the Fed’s final rule will be issued jointly with the OCC and FDIC. http://www.insidemortgagefinance.com/articles/237989 Thu, 16 Jul 2026 11:04:31 -0400 https://www.insidemortgagefinance.com/articles/237989-fed-nears-finish-line-with-new-cra-final-rule sclark@imfpubs.com If enacted, the Fair Credit Reporting Reseller Accuracy Act would ensure that credit report resellers report data to the “maximum accuracy possible.” The bill has bipartisan support. http://www.insidemortgagefinance.com/articles/237911 Mon, 13 Jul 2026 14:26:32 -0400 https://www.insidemortgagefinance.com/articles/237911-lawmakers sclark@imfpubs.com Sen. Elizabeth Warren, D-MA, wants to know whether Brian Johnson, CFPB director nominee and an executive at Capital One, had a role in the bureau’s decision last year to drop its lawsuit against the bank. http://www.insidemortgagefinance.com/articles/237887 Mon, 13 Jul 2026 14:22:34 -0400 https://www.insidemortgagefinance.com/articles/237887-warren-presses-capital-one-over-cfpb-nominee sclark@imfpubs.com The regulation goes beyond subjecting traditional buy now, pay later lenders to underwriting requirements. http://www.insidemortgagefinance.com/articles/237883 Mon, 13 Jul 2026 14:18:35 -0400 https://www.insidemortgagefinance.com/articles/237883-illinois-enacts-broad-bnpl-regulation dhollier@imfpubs.com Sen. Scott Fitzgerald, R-WI, introduced a bill with TRID amendments as part of his plan to increase the supply of housing. http://www.insidemortgagefinance.com/articles/237920 Mon, 13 Jul 2026 14:12:40 -0400 https://www.insidemortgagefinance.com/articles/237920-bill-would-simplify-tila-respa-requirements azimmardi@imfpubs.com California lawmakers are moving away from an effort to impose Community Reinvestment Act requirements on nonbanks. http://www.insidemortgagefinance.com/articles/237963 Mon, 13 Jul 2026 14:11:41 -0400 https://www.insidemortgagefinance.com/articles/237963-californias-nonbank-cra-effort-shifts-to-fair-housing sclark@imfpubs.com Two-factor authentication is one of the new requirements for consumers to be able to submit complaints with the CFPB; will consumers go through the trouble? http://www.insidemortgagefinance.com/articles/237900 Mon, 13 Jul 2026 14:10:37 -0400 https://www.insidemortgagefinance.com/articles/237900-mixed-reaction-to-cfpb-complaint-portal-changes sclark@imfpubs.com The company filed a motion for relief in its lawsuit with the CFPB, after the bureau allegedly pulled out of a deal to vacate civil money penalty applied to CashCall. http://www.insidemortgagefinance.com/articles/237898 Mon, 13 Jul 2026 14:07:43 -0400 https://www.insidemortgagefinance.com/articles/237898-cfpb-lea sclark@imfpubs.com Court pauses proceedings in CFPB-NTEU lawsuit; CFPB seeks feedback on changes to mortgage disclosures; the bureau may revisit its credit card late fee regulation. http://www.insidemortgagefinance.com/articles/237972 Mon, 13 Jul 2026 14:06:45 -0400 https://www.insidemortgagefinance.com/articles/237972-other-news-in-brief dhollier@imfpubs.com The proposed rule would eliminate reference to "reputational harm," ostensibly to reduce subjectivity and uncertainty in enforcement. http://www.insidemortgagefinance.com/articles/237977 Mon, 13 Jul 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237977-fhfa-proposes-changes-to-suspended-counterparty-program