https://www.insidemortgagefinance.com/rss en-us 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 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 Merchants Bank and Northpointe Bank are putting an increased emphasis on warehouse lending. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237757 Thu, 18 Jun 2026 09:06:00 -0400 https://www.insidemortgagefinance.com/articles/237757-merchants-bank-northpointe-increase-warehouse-share 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 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 bivey@imfpubs.com Officials at Pennymac note that the correspondent channel has been losing some share to the GSEs. (Includes six data tables.) http://www.insidemortgagefinance.com/articles/237635 Thu, 04 Jun 2026 12:09:00 -0400 https://www.insidemortgagefinance.com/articles/237635-correspondent-share-slips-in-first-quarter-of-2026 dhollier@imfpubs.com Following adoption by the 30-largest lenders, VantageScore will focus on making sure technology providers and smaller lenders are prepared to implement its new credit score model. http://www.insidemortgagefinance.com/articles/237638 Thu, 04 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237638-whats-next-for-vantagescore-40 dhollier@imfpubs.com Lender trade groups argue that the expanded use of alternative valuations by the GSEs will improve the reliability of appraisals. http://www.insidemortgagefinance.com/articles/237646 Thu, 04 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237646-mortgage-industry-endorses-appraisal-modernization bivey@imfpubs.com Conventional-conforming mortgages accounted for 54.3% of originations in the first quarter of 2026. Rocket Mortgage was the top producer of the loans in the quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237571 Thu, 28 May 2026 12:00:00 -0400 https://www.insidemortgagefinance.com/articles/237571-conventional-conforming-share-of-lending-up-in-1q bivey@imfpubs.com The interest rate outlook is looking better for MSR values than it is for mortgage originations. New Fed Chair Kevin Warsh faces headwinds on a rate cut this year, with some economists anticipating that the next move by the central bank will actually be a rate hike. http://www.insidemortgagefinance.com/articles/237572 Thu, 28 May 2026 11:57:01 -0400 https://www.insidemortgagefinance.com/articles/237572-rate-cut-under-new-fed-chair-unlikely-this-year jdohnert@imfpubs.com New offering lets homebuyers save up to $20,000 on a home purchase or sale when they use Rocket and a Redfin agent. http://www.insidemortgagefinance.com/articles/237575 Thu, 28 May 2026 11:55:06 -0400 https://www.insidemortgagefinance.com/articles/237575-rocket-leverages-redfin-acquisition-with-new-discount-offering bivey@imfpubs.com A lawsuit seeks to block a new CFPB rule loosening anti-discrimination regulations; FHA will continue to use the tri-merge credit pull process; bill passed by House would increase fees on VA home loans to pay for expanded benefits for veterans; delinquencies stay firm in April. http://www.insidemortgagefinance.com/articles/237576 Thu, 28 May 2026 11:50:14 -0400 https://www.insidemortgagefinance.com/articles/237576-grapevine-fha-sticks-with-the-tri-merge-new-va-fee-in-house-bill dhollier@imfpubs.com Early interest in the VantageScore 4.0 pilot has been strong, but participants note that the new score can be up to 100 points different from Classic FICO. http://www.insidemortgagefinance.com/articles/237532 Thu, 21 May 2026 12:00:10 -0400 https://www.insidemortgagefinance.com/articles/237532-vantagescore-uptake-matches-expectations bivey@imfpubs.com The refi share of originations hit 46.7% in the first quarter, thanks to low interest rates in January and February. Purchase-mortgage volume was up 3.7% compared to the first quarter of 2025. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/237531 Thu, 21 May 2026 11:55:12 -0400 https://www.insidemortgagefinance.com/articles/237531-refi-share-of-originations-nears-50-in-1q bivey@imfpubs.com Versions of the 21st Century ROAD to Housing Act have passed both the House and Senate with broad bipartisan support. However, differences persist. http://www.insidemortgagefinance.com/articles/237518 Thu, 21 May 2026 11:45:17 -0400 https://www.insidemortgagefinance.com/articles/237518-house-passes-revised-housing-bill-senate-fate-unclear bivey@imfpubs.com Federal bank regulators are looking to reduce the capital requirements that apply to mortgage servicing rights and to mortgages held in portfolio. A March proposal is seen as making mortgage lending and servicing somewhat more attractive for banks. http://www.insidemortgagefinance.com/articles/237451 Thu, 14 May 2026 12:01:15 -0400 https://www.insidemortgagefinance.com/articles/237451-capital-proposal-gives-banks-an-opening-on-mortgages bivey@imfpubs.com FICO and VantageScore disagree on how lenders in a GSE pilot are using VantageScore. FICO’s CEO claims there are LTV ratio limitations and a haircut with VantageScore. VantageScore said that’s not the case. http://www.insidemortgagefinance.com/articles/237403 Thu, 07 May 2026 12:07:18 -0400 https://www.insidemortgagefinance.com/articles/237403-policies-for-vantagescore-use-involving-gses-murky bivey@imfpubs.com High interest rates are prompting some lenders to reduce their guidance for returns on equity this year. Meanwhile, margins are holding firm at some big lenders. http://www.insidemortgagefinance.com/articles/237406 Thu, 07 May 2026 12:05:22 -0400 https://www.insidemortgagefinance.com/articles/237406-lenders-brace-for-lower-than-expected-returns-in-2026 jdohnert@imfpubs.com Downpayment assistance programs are no longer just for first-time homebuyers with limited income. http://www.insidemortgagefinance.com/articles/237396 Thu, 07 May 2026 12:02:30 -0400 https://www.insidemortgagefinance.com/articles/237396-credit-boxes-widening-for-dpa-programs bivey@imfpubs.com Glass half full: Originations surged on an annual basis in the first quarter. Glass half empty: Lending declined on a quarterly basis as interest rates jumped in March. http://www.insidemortgagefinance.com/articles/237324 Thu, 30 Apr 2026 12:10:35 -0400 https://www.insidemortgagefinance.com/articles/237324-mixed-trends-for-mortgage-originations-in-1q bivey@imfpubs.com Borrowers pulled back in March as interest rates on mortgages increased, but demand improved after rates fell at the end of March. http://www.insidemortgagefinance.com/articles/237325 Thu, 30 Apr 2026 12:08:38 -0400 https://www.insidemortgagefinance.com/articles/237325-lenders-seeing-strong-demand-for-mortgages-in-april dhollier@imfpubs.com Stakeholders are speculating on the next steps for bringing the new credit scores to market without complete transparency. http://www.insidemortgagefinance.com/articles/237337 Thu, 30 Apr 2026 12:06:39 -0400 https://www.insidemortgagefinance.com/articles/237337-operational-challenges-for-lenders-implementing-vantagescore-40 jdohnert@imfpubs.com The housing market is starting to see a decline in mortgage lock-in but it will take a while to reach a new equilibrium. http://www.insidemortgagefinance.com/articles/237331 Thu, 30 Apr 2026 12:02:46 -0400 https://www.insidemortgagefinance.com/articles/237331-lock-in-effect-thawing-slowly dhollier@imfpubs.com FHFA Director Bill Pulte said 21 large lenders will roll out the new score with the GSEs, though all lenders are eligible. FHA also plans to accept VantageScore and FICO 10T. http://www.insidemortgagefinance.com/articles/237281 Thu, 23 Apr 2026 12:10:06 -0400 https://www.insidemortgagefinance.com/articles/237281-vantagescore-40-is-a-go jdohnert@imfpubs.com With interest rates elevated, lenders are urged to highlight the wealth creation potential of homeownership to encourage renters to take the plunge and purchase a home. http://www.insidemortgagefinance.com/articles/237277 Thu, 23 Apr 2026 12:02:11 -0400 https://www.insidemortgagefinance.com/articles/237277-lenders-challenged-as-homebuyers-may-be-better-off-renting dhollier@imfpubs.com Industry watchers believe the abruptly cancelled FHFA/HUD press conference was tied to implementation of VantageScore 4.0. http://www.insidemortgagefinance.com/articles/237195 Thu, 16 Apr 2026 11:25:30 -0400 https://www.insidemortgagefinance.com/articles/237195-fhfa-and-hud-postpone-major-housing-announcement bivey@imfpubs.com BofA, Chase and Wells all increased production by more than 40% on an annual basis in the first quarter of 2026. But demand for mortgages diminished in March amid rising interest rates. http://www.insidemortgagefinance.com/articles/237208 Thu, 16 Apr 2026 11:22:43 -0400 https://www.insidemortgagefinance.com/articles/237208-big-banks-increase-lending-on-annual-basis-in-1q