https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Freddie Mac’s Sonu Mittal and Fannie Mae’s Jake Williamson detailed the GSEs’ challenges and successes in a deeply troubled mortgage market. http://www.insidemortgagefinance.com/articles/238798 Fri, 16 Oct 2026 15:20:48 -0400 https://www.insidemortgagefinance.com/articles/238798-gses-talk-strategy bivey@imfpubs.com Growth in servicing with Ginnie Mae continues to outpace Fannie Mae and Freddie Mac. Most of the top-10 agency servicers increased their portfolios during the third quarter, though not Rocket Mortgage. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238809 Thu, 15 Oct 2026 12:00:58 -0400 https://www.insidemortgagefinance.com/articles/238809-ginnie-drives-up-agency-servicing-in-3q-rocket-shrinks jdohnert@imfpubs.com By loan count, the MBA forecasts that total mortgage originations will decline by 5.6% from 2026 to 2027. http://www.insidemortgagefinance.com/articles/238807 Thu, 15 Oct 2026 11:56:39 -0400 https://www.insidemortgagefinance.com/articles/238807-higher-rates-expected-to-drive-slower-originations-in-2027 sclark@imfpubs.com The Mortgage Bankers Association and other industry trade groups have expressed concerns about the CRA proposal of the OCC and the FDIC being finalized without the Federal Reserve. http://www.insidemortgagefinance.com/articles/238806 Thu, 15 Oct 2026 11:54:01 -0400 https://www.insidemortgagefinance.com/articles/238806-mba ewilley@imfpubs.com FHA Commissioner-nominee Matt Jones said the agency’s 203(k) loan program is an underutilized means to revitalize some of the country’s aging housing stock. http://www.insidemortgagefinance.com/articles/238808 Thu, 15 Oct 2026 11:52:03 -0400 https://www.insidemortgagefinance.com/articles/238808-fha-seeks-to-expand-repair-program bivey@imfpubs.com Residential mortgage originations declined in the third quarter at Bank of America, JPMorgan Chase and Wells Fargo. Even with high interest rates, servicing portfolios appear to be performing well. http://www.insidemortgagefinance.com/articles/238792 Thu, 15 Oct 2026 11:51:05 -0400 https://www.insidemortgagefinance.com/articles/238792-originations-decline-at-big-banks-in-third-quarter dhollier@imfpubs.com Fannie/Freddie executives say UAD 3.6 extensions were offered in response to industry feedback, with just 10% of current flow using the new data standards. http://www.insidemortgagefinance.com/articles/238805 Thu, 15 Oct 2026 11:50:14 -0400 https://www.insidemortgagefinance.com/articles/238805-gses-explain-grace-period-for-uad-32 sclark@imfpubs.com Inviting the solicitor general to weigh in on federal bank preemption indicates that the high court is considering whether to revisit the matter, according to industry attorneys. http://www.insidemortgagefinance.com/articles/238791 Thu, 15 Oct 2026 11:48:15 -0400 https://www.insidemortgagefinance.com/articles/238791-preemption dhollier@imfpubs.com FHFA Director Bill Pulte was expected to announce a shift to the bi-merge at the MBA’s conference this week. He ended up skipping the event to join President Trump on the campaign trail. http://www.insidemortgagefinance.com/articles/238793 Thu, 15 Oct 2026 11:47:17 -0400 https://www.insidemortgagefinance.com/articles/238793-no-pulte-announcement-on-tri-merge jdohnert@imfpubs.com The Mortgage Bankers Association said its reform measures could be adopted without new laws. http://www.insidemortgagefinance.com/articles/238804 Thu, 15 Oct 2026 11:46:18 -0400 https://www.insidemortgagefinance.com/articles/238804-mba-outlines-plan-to-lower-housing-costs azimmardi@imfpubs.com Adjustable-rate mortgages are gaining popularity as interest rates rise. And bank lenders have an edge over nonbanks. http://www.insidemortgagefinance.com/articles/238744 Fri, 09 Oct 2026 13:32:56 -0400 https://www.insidemortgagefinance.com/articles/238744-borrowers-turn-to-arms-amid-affordability-challenges bivey@imfpubs.com Large lenders are flocking to deploy VantageScore 4.0, but others are being more cautious due to shifting GSE guidelines. There’s also uncertainty for investors in MBS and MSRs. http://www.insidemortgagefinance.com/articles/238736 Thu, 08 Oct 2026 11:57:02 -0400 https://www.insidemortgagefinance.com/articles/238736-mortgage-industry-faces-uncertainty-with-vs4-adoption jdohnert@imfpubs.com Lenders are offering rate discounts, rate buydowns and lower costs for insurance to help buyers find affordable housing options. http://www.insidemortgagefinance.com/articles/238746 Thu, 08 Oct 2026 11:56:04 -0400 https://www.insidemortgagefinance.com/articles/238746-lenders-sellers-get-creative-in-higher-rate-environment sclark@imfpubs.com Some industry attorneys are skeptical whether mortgages can be fully AI originated, while still meeting compliance obligations. http://www.insidemortgagefinance.com/articles/238609 Thu, 08 Oct 2026 11:55:06 -0400 https://www.insidemortgagefinance.com/articles/238609-ai-loan-officers dhollier@imfpubs.com The sharp decline in home price appreciation makes it possible that lenders’ early-bird loan limits for 2027 will come in above the 2026 conforming loan limits. http://www.insidemortgagefinance.com/articles/238749 Thu, 08 Oct 2026 11:53:12 -0400 https://www.insidemortgagefinance.com/articles/238749-pmis-await-updated-conforming-loan-limits ewilley@imfpubs.com The Government Accountability Office recommended that Congress require lenders of government-backed mortgages to provide flood insurance quotes before closing. http://www.insidemortgagefinance.com/articles/238748 Thu, 08 Oct 2026 11:51:14 -0400 https://www.insidemortgagefinance.com/articles/238748-gao-floats-lender-provided-flood-insurance-quotes jdohnert@imfpubs.com The company plans to put a greater focus on wholesale originations and home equity lines of credit. http://www.insidemortgagefinance.com/articles/238745 Thu, 08 Oct 2026 11:50:16 -0400 https://www.insidemortgagefinance.com/articles/238745-founder-returns-to-better-after-board-proxy-fight jdohnert@imfpubs.com A study by the Mortgage Bankers Association found that lenders aren’t adopting AI as quickly as other financial services companies. http://www.insidemortgagefinance.com/articles/238677 Fri, 02 Oct 2026 11:37:36 -0400 https://www.insidemortgagefinance.com/articles/238677-mortgage-lenders-slow-to-scale-ai dhollier@imfpubs.com Critics argue that applying the same LLPA pricing grids to VS4 and Classic FICO will camouflage, but not eliminate, the added credit risk associated with the typically higher VS4 score. http://www.insidemortgagefinance.com/articles/238669 Thu, 01 Oct 2026 11:49:26 -0400 https://www.insidemortgagefinance.com/articles/238669-pulte-abandons-dual-llpa-grids-for-credit-scores sclark@imfpubs.com Mortgage Bankers Association CEO and President Bob Broeksmit outlined various options that could improve affordability. http://www.insidemortgagefinance.com/articles/238667 Thu, 01 Oct 2026 11:48:27 -0400 https://www.insidemortgagefinance.com/articles/238667-mba ewilley@imfpubs.com The Housing Policy Council proposed bifurcation of servicing advances from MSRs to create a new source of collateral for servicers. http://www.insidemortgagefinance.com/articles/238668 Thu, 01 Oct 2026 11:47:29 -0400 https://www.insidemortgagefinance.com/articles/238668-ginnie-mae-to-add-buydown-disclosures bivey@imfpubs.com The proposal was prompted by a request from Pennymac, which noted differences in MSR valuations among public companies. http://www.insidemortgagefinance.com/articles/238666 Thu, 01 Oct 2026 11:45:34 -0400 https://www.insidemortgagefinance.com/articles/238666-accounting-board-proposes-msr-recapture-change ewilley@imfpubs.com Representatives from Rocket, Pennymac and the Mortgage Bankers Association called for further streamlining between federal mortgage programs and the government-sponsored enterprises. http://www.insidemortgagefinance.com/articles/238672 Thu, 01 Oct 2026 11:44:36 -0400 https://www.insidemortgagefinance.com/articles/238672-lenders-call-for-more-alignment-between-fha-va-and-gses dhollier@imfpubs.com There will soon be five separate credit scores applicable to mortgages, with varied ranges and outputs. (Includes data table.) http://www.insidemortgagefinance.com/articles/238683 Thu, 01 Oct 2026 11:42:38 -0400 https://www.insidemortgagefinance.com/articles/238683-how-to-compare-a-bumper-crop-of-credit-scores bivey@imfpubs.com Economists at both Fannie Mae and the MBA project that mortgage rates will average 6.8% in the fourth quarter. Rates started the quarter well above that level with no indications that they’re coming down. http://www.insidemortgagefinance.com/articles/238682 Thu, 01 Oct 2026 11:41:41 -0400 https://www.insidemortgagefinance.com/articles/238682-interest-rates-on-mortgages-blowing-past-projections 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 jdohnert@imfpubs.com Rising interest rates and a slowdown in originations this year have led to a number of layoffs in the mortgage sector. http://www.insidemortgagefinance.com/articles/238622 Thu, 24 Sep 2026 11:55:23 -0400 https://www.insidemortgagefinance.com/articles/238622-mortgage-employment-declines-as-lenders-struggle 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