https://www.insidemortgagefinance.com/rss en-us 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 bivey@imfpubs.com With interest rates on mortgages rising, some agency business shifted to Ginnie Mae in the second quarter of 2026. Rocket surpassed UWM as the top issuer of agency MBS during the quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237928 Thu, 09 Jul 2026 12:10:40 -0400 https://www.insidemortgagefinance.com/articles/237928-lenders-put-an-emphasis-on-fha-va-loans-in-2q bivey@imfpubs.com The CFPB plans to issue a servicing rule in August and is considering revisions to ATR/QM requirements. Both HUD and VA have a long list of rulemaking plans, while FHFA’s regulatory agenda is more limited. http://www.insidemortgagefinance.com/articles/237942 Thu, 09 Jul 2026 12:08:42 -0400 https://www.insidemortgagefinance.com/articles/237942-trump-admin-plans-major-reforms-to-mortgage-rules bivey@imfpubs.com Mortgage lenders want reduced capital requirements on warehouse lending by banks. They believe higher capital requirements will flow through to pricing for mortgages. http://www.insidemortgagefinance.com/articles/237929 Thu, 09 Jul 2026 12:07:43 -0400 https://www.insidemortgagefinance.com/articles/237929-mortgage-players-seek-lighter-touch-on-warehouse-capital jdohnert@imfpubs.com After months of delays, Two Harbors got its shareholders to agree to the company’s acquisition by CrossCountry Mortgage. The deal is expected to close in August. http://www.insidemortgagefinance.com/articles/237931 Thu, 09 Jul 2026 12:04:48 -0400 https://www.insidemortgagefinance.com/articles/237931-two-harbors-shareholders-finally-agree-to-ccm-merger azimmardi@imfpubs.com Home sales in June jumped 9.2% from May even as housing inventory growth stalled. http://www.insidemortgagefinance.com/articles/237940 Thu, 09 Jul 2026 12:02:51 -0400 https://www.insidemortgagefinance.com/articles/237940-home-sales-tick-up-after-slow-spring azimmardi@imfpubs.com Home prices declined slightly on a monthly basis in April. But home price appreciation is expected to pick up on an annual basis. http://www.insidemortgagefinance.com/articles/237930 Thu, 09 Jul 2026 12:01:54 -0400 https://www.insidemortgagefinance.com/articles/237930-home-prices-index-increases-in-2q-housing-market-outlook-weak bivey@imfpubs.com President Trump has until July 10 to take action on housing bill; GSEs release data on FICO 10T; CFPB seeks feedback on mortgage disclosures and borrowers’ right of rescission; interest rate outlook. http://www.insidemortgagefinance.com/articles/237938 Thu, 09 Jul 2026 12:00:55 -0400 https://www.insidemortgagefinance.com/articles/237938-grapevine-housing-bill-still-in-limbo-credit-scoring-model-developments ewilley@imfpubs.com President Trump said he will not sign the 21st Century ROAD to Housing Act until Congress passes the election bill. http://www.insidemortgagefinance.com/articles/237822 Thu, 25 Jun 2026 11:57:31 -0400 https://www.insidemortgagefinance.com/articles/237822-senate-passes-landmark-housing-package bivey@imfpubs.com Federal regulators are open to adjusting the 250% risk weight that currently applies to bank holdings of mortgage servicing rights. Trade groups are calling for it to be reduced to 100%. http://www.insidemortgagefinance.com/articles/237820 Thu, 25 Jun 2026 11:56:35 -0400 https://www.insidemortgagefinance.com/articles/237820-banks-seek-looser-capital-requirements-for-msrs ewilley@imfpubs.com FHA is aiming its deregulatory efforts at barriers that make its programs less attractive to lenders. http://www.insidemortgagefinance.com/articles/237833 Thu, 25 Jun 2026 11:55:35 -0400 https://www.insidemortgagefinance.com/articles/237833-fha-seeks-to-attract-new-lenders jdohnert@imfpubs.com Investors are looking for consistency from non-QM lenders as concerns about expanding credit boxes mount. http://www.insidemortgagefinance.com/articles/237818 Thu, 25 Jun 2026 11:54:38 -0400 https://www.insidemortgagefinance.com/articles/237818-non-qm-investors-rewarding-consistency bivey@imfpubs.com Nonbanks accounted for 68.0% of residential mortgage originations in the first quarter of 2026. (Includes two data charts.) http://www.insidemortgagefinance.com/articles/237832 Thu, 25 Jun 2026 11:52:45 -0400 https://www.insidemortgagefinance.com/articles/237832-nonbank-share-of-originations-rises-in-first-quarter dhollier@imfpubs.com Demographic shifts mean demand is falling. Meanwhile supply is increasing, raising the potential for falling home prices and fewer originations. http://www.insidemortgagefinance.com/articles/237825 Thu, 25 Jun 2026 11:51:47 -0400 https://www.insidemortgagefinance.com/articles/237825-the-coming-housing-glut jdohnert@imfpubs.com The delay to July 2 is the fourth time a shareholder vote on CrossCountry’s bid for Two Harbors has been pushed back. http://www.insidemortgagefinance.com/articles/237831 Thu, 25 Jun 2026 11:50:48 -0400 https://www.insidemortgagefinance.com/articles/237831-two-harbors-crosscountry-vote-falls-short-again bivey@imfpubs.com Leaders in the Senate and House reached an agreement this week on the 21st Century ROAD to Housing Act. http://www.insidemortgagefinance.com/articles/237788 Thu, 18 Jun 2026 09:09:00 -0400 https://www.insidemortgagefinance.com/articles/237788-congress-set-to-pass-wide-ranging-housing-bill dhollier@imfpubs.com The FHFA director told homebuilders that Fannie Mae and Freddie Mac probably won’t play a big role in construction finance, but the Federal Home Loan Banks may expand their participation in the sector. http://www.insidemortgagefinance.com/articles/237762 Thu, 18 Jun 2026 09:08:00 -0400 https://www.insidemortgagefinance.com/articles/237762-despite-dni-gig-pulte-still-making-fhfa-plans jdohnert@imfpubs.com Delinquencies on non-qualified mortgages have increased, but lenders say the performance of the loans should hold up in the long run. http://www.insidemortgagefinance.com/articles/237761 Thu, 18 Jun 2026 09:07:00 -0400 https://www.insidemortgagefinance.com/articles/237761-lenders-comfortable-with-non-qm-performance bivey@imfpubs.com The March re-proposal of bank capital requirements could lead to harsher treatment of warehouse lending. On the flipside, the proposal includes incentives for larger nonbanks to seek bank charters. http://www.insidemortgagefinance.com/articles/237773 Thu, 18 Jun 2026 09:05:00 -0400 https://www.insidemortgagefinance.com/articles/237773-capital-proposal-could-hit-warehouse-lending dhollier@imfpubs.com The Broker Action Coalition says that if the borrower pays for a credit report, they should own it, a concept it believes could significantly reduce closing costs. http://www.insidemortgagefinance.com/articles/237769 Thu, 18 Jun 2026 09:04:00 -0400 https://www.insidemortgagefinance.com/articles/237769-brokers-step-up-push-for-portable-credit-scores bivey@imfpubs.com The leaders of UWM and Two Harbors met to discuss an offer to beat CrossCountry Mortgage’s final bid but were unable to reach an agreement or build much trust. http://www.insidemortgagefinance.com/articles/237770 Thu, 18 Jun 2026 09:02:00 -0400 https://www.insidemortgagefinance.com/articles/237770-leaders-of-uwm-two-harbors-express-frustration jdohnert@imfpubs.com A Michigan court held United Wholesale Mortgage in civil contempt and ordered the company to present its CEO for a deposition as part of an ongoing lawsuit regarding the company’s “all-in” initiative. http://www.insidemortgagefinance.com/articles/237748 Thu, 18 Jun 2026 09:01:00 -0400 https://www.insidemortgagefinance.com/articles/237748-ishbia-ordered-to-face-deposition-in-broker-lawsuit bivey@imfpubs.com The appeals court noted that California law allows employees to “make some preparations to compete” with an employer, but the law doesn’t authorize an employee to transfer their loyalty to a competing company. http://www.insidemortgagefinance.com/articles/237631 Fri, 12 Jun 2026 11:02:00 -0400 https://www.insidemortgagefinance.com/articles/237631-guild-wins-appeal-of-poaching-lawsuit-against-ccm bivey@imfpubs.com MBS investors aren’t sure how VantageScore scores compare with classic FICO scores. And a variety of systems used in the mortgage market need to be updated to allow for two scoring models. http://www.insidemortgagefinance.com/articles/237694 Thu, 11 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237694-many-hurdles-to-widespread-adoption-of-vantagescore jdohnert@imfpubs.com VantageScore’s CEO said he doesn’t think FICO’s trended data score will be operational with the GSEs anytime soon. http://www.insidemortgagefinance.com/articles/237695 Thu, 11 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237695-vantagescore-ready-to-take-on-fico-in-mortgage ewilley@imfpubs.com Joe Gormley will continue to act as FHA commissioner after Frank Cassidy announced his formal exit from the position last week. http://www.insidemortgagefinance.com/articles/237712 Thu, 11 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237712-ginnie-head-to-continue-leading-fha-sans-commissioner dhollier@imfpubs.com Critics say the FHFA director is woefully underqualified to lead national intelligence. The impact on FHFA is also unclear. http://www.insidemortgagefinance.com/articles/237701 Thu, 11 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237701-director-pulte-vs-dni-pulte azimmardi@imfpubs.com Next week the Federal Open Market Committee will meet for the first time since Kevin Warsh took over as Fed chair. http://www.insidemortgagefinance.com/articles/237697 Thu, 11 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237697-fed-likely-to-hold-rates-hike-later azimmardi@imfpubs.com Hedging could lessen the shock of prepayments for large banks holding mortgage servicing rights. There aren’t similar offsets, though, to mitigate a surge in defaults, according to research from the Fed. http://www.insidemortgagefinance.com/articles/237700 Thu, 11 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237700-bank-msr-holdings-well-protected-from-prepayments jdohnert@imfpubs.com Two Harbors seeks cash-only offer from UWM; Capital One executive nominated for director of CFPB; SPS settles servicing issues with California; First Federal selling third-party origination business to Mortgage Forward; Sunflower Bank and OceanFirst sell multifamily assets. http://www.insidemortgagefinance.com/articles/237711 Thu, 11 Jun 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237711-grapevine-two-harbors-reopens-talks-with-uwm-cfpb-preps-vought-succession-plan