https://www.insidemortgagefinance.com/rss en-us nbhatia@imfpubs.com The conventional-conforming sector lagged in an otherwise upbeat mortgage market. (Includes two data files.) http://www.insidemortgagefinance.com/articles/238372 Thu, 27 Aug 2026 11:54:57 -0400 https://www.insidemortgagefinance.com/articles/238372-all-products-gained-in-2q26-but-agency-market-lagged jdohnert@imfpubs.com The new third‑party origination channel, BrokerBrand TPO, is led by industry veteran Bob Marseilles. http://www.insidemortgagefinance.com/articles/238384 Thu, 27 Aug 2026 11:48:10 -0400 https://www.insidemortgagefinance.com/articles/238384-lenders-flock-to-wholesale-channel bivey@imfpubs.com Refi volume declined by 32.7% from the first quarter to the second but nearly doubled year to date. Meanwhile, purchase-mortgage originations increased by just 4.7% year to date. (Includes five data tables.) http://www.insidemortgagefinance.com/articles/238303 Thu, 20 Aug 2026 11:59:08 -0400 https://www.insidemortgagefinance.com/articles/238303-refis-trail-off-purchase-lending-slightly-ahead-of-2025 bivey@imfpubs.com UWM President and CEO Mat Ishbia sees the equity from Oaktree as a positive. Shareholders and industry analysts aren’t convinced. http://www.insidemortgagefinance.com/articles/238243 Thu, 13 Aug 2026 11:15:45 -0400 https://www.insidemortgagefinance.com/articles/238243-sharp-contrast-in-views-on-uwm-following-equity-raise dhollier@imfpubs.com New PMIERs tables assigning risk factors to loans based on credit scores and LTV ratios strongly resemble the GSEs’ LLPA tables. http://www.insidemortgagefinance.com/articles/238264 Thu, 13 Aug 2026 11:12:47 -0400 https://www.insidemortgagefinance.com/articles/238264-pmiers-update-compares-relative-risks-of-vantagescore-40-and-classic-fico bivey@imfpubs.com The higher rates are diminishing demand for mortgages and officials at Rocket are projecting a drop in originations in the third quarter. http://www.insidemortgagefinance.com/articles/238248 Thu, 13 Aug 2026 11:11:49 -0400 https://www.insidemortgagefinance.com/articles/238248-interest-rates-on-mortgages-expected-to-remain-elevated jdohnert@imfpubs.com More homebuyers are being forced to bring more cash, renegotiate the sale price or restructure their mortgage. http://www.insidemortgagefinance.com/articles/238246 Thu, 13 Aug 2026 11:07:56 -0400 https://www.insidemortgagefinance.com/articles/238246-increasing-appraisal-gaps-leads-to-a-rise-in-loan-restructuring dhollier@imfpubs.com The Trump administration continues to pressure homebuilders to address affordability by focusing more on first-time homebuyers. http://www.insidemortgagefinance.com/articles/238255 Thu, 13 Aug 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/238255-pulte-threatens-homebuilders-again dhollier@imfpubs.com Urban Institute researchers believe credit score gaming by lenders will raise scores for 44% of borrowers. Officials at FICO claim shopping appears to be occurring now that the GSEs accept VantageScore. http://www.insidemortgagefinance.com/articles/238173 Thu, 06 Aug 2026 11:50:29 -0400 https://www.insidemortgagefinance.com/articles/238173-credit-score-shopping-is-it-a-thing bivey@imfpubs.com Pennymac laid off origination staff and is counting on technology to keep its lending capacity elevated. Leaders at Newrez and loanDepot are also touting their tech investments. http://www.insidemortgagefinance.com/articles/238185 Thu, 06 Aug 2026 11:47:33 -0400 https://www.insidemortgagefinance.com/articles/238185-large-lenders-putting-even-greater-emphasis-on-tech jdohnert@imfpubs.com Homebuying picked up in the summer months after a slower than usual spring season. http://www.insidemortgagefinance.com/articles/238184 Thu, 06 Aug 2026 11:45:37 -0400 https://www.insidemortgagefinance.com/articles/238184-homebuying-season-extends-from-spring-to-summer dhollier@imfpubs.com New business grew at both enterprises despite an across-the-board decrease in refinance loan acquisitions. http://www.insidemortgagefinance.com/articles/238172 Thu, 06 Aug 2026 11:44:39 -0400 https://www.insidemortgagefinance.com/articles/238172-gse-purchase-volume-sustains-profits bivey@imfpubs.com Trade groups urged federal regulators to follow through on an executive order to modernize appraisal requirements. http://www.insidemortgagefinance.com/articles/238179 Thu, 06 Aug 2026 11:43:41 -0400 https://www.insidemortgagefinance.com/articles/238179-trade-groups-call-for-reductions-in-appraisal-standards nbhatia@imfpubs.com The industry originated an estimated $570.00 billion of first-lien mortgages during the second quarter of 2026, thanks to a resilient purchase-mortgage market. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238130 Thu, 30 Jul 2026 11:14:00 -0400 https://www.insidemortgagefinance.com/articles/238130-originations-increase-in-2q-amid-headwinds-from-rates jdohnert@imfpubs.com Homebuilders reported a slight decline in incentive use in the second quarter, but still project incentives to remain elevated compared to historical average for the foreseeable future. http://www.insidemortgagefinance.com/articles/238116 Thu, 30 Jul 2026 11:08:00 -0400 https://www.insidemortgagefinance.com/articles/238116-homebuilders-expect-incentives-use-to-remain-elevated dhollier@imfpubs.com Construction loans may be too risky for the GSEs to purchase at scale, but Fannie has other products that help increase and preserve supply. http://www.insidemortgagefinance.com/articles/238040 Fri, 24 Jul 2026 15:55:22 -0400 https://www.insidemortgagefinance.com/articles/238040-fannies-supply-problem-strategies dhollier@imfpubs.com MBS disclosures show that, from April to June, VantageScore 4.0 has only been used to qualify roughly $579 million in mortgages in Fannie Mae or Freddie Mac pools. http://www.insidemortgagefinance.com/articles/238051 Thu, 23 Jul 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/238051-vantagescore-40-uptake-still-scant bivey@imfpubs.com If the Federal Reserve is able to reduce inflation, Fed Chair Kevin Warsh believes that interest rates on mortgages will come down. Economists in the mortgage market aren’t expecting lower rates anytime soon. http://www.insidemortgagefinance.com/articles/238047 Thu, 23 Jul 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/238047-warsh-looking-to-drive-down-mortgage-interest-rates jdohnert@imfpubs.com Homebuilders believe that in addition to the federal housing bill, localized reforms are needed to address housing affordability. http://www.insidemortgagefinance.com/articles/238057 Thu, 23 Jul 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/238057-homebuilders-hope-for-more-changes-after-housing-bill bivey@imfpubs.com Equifax CEO dismisses concerns about lenders gaming the GSEs’ underwriting standards; Fannie’s home price survey marches on. http://www.insidemortgagefinance.com/articles/238060 Thu, 23 Jul 2026 12:00:15 -0400 https://www.insidemortgagefinance.com/articles/238060-grapevine-no-incentive-to-game-scores-fannie-still-surveying-economists bivey@imfpubs.com Any impact from the landmark 21st Century ROAD to Housing Act could take years, with the Republicans proudly touting that the law doesn’t include any new funding. http://www.insidemortgagefinance.com/articles/237984 Thu, 16 Jul 2026 11:14:19 -0400 https://www.insidemortgagefinance.com/articles/237984-high-hopes-for-housing-bill-shunned-by-trump 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 jdohnert@imfpubs.com Lenders are adjusting their retail strategies, with some investing more heavily in distributed retail and others looking more closely at wholesale and direct-to-consumer. http://www.insidemortgagefinance.com/articles/237999 Thu, 16 Jul 2026 11:10:23 -0400 https://www.insidemortgagefinance.com/articles/237999-lenders-reexamine-distributed-retail-channel bivey@imfpubs.com Originations were up 27.7% at JPMorgan Chase. BofA posted a similar gain as Chase while Wells Fargo’s production was up more than 40%. Mortgage revenue, meanwhile, declined at Chase and Wells. http://www.insidemortgagefinance.com/articles/238001 Thu, 16 Jul 2026 11:06:28 -0400 https://www.insidemortgagefinance.com/articles/238001-largest-banks-increase-originations-in-second-quarter 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 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 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 bivey@imfpubs.com Rocket Mortgage was the largest originator of home equity loans in the first quarter of 2026. The nonbank started originating closed-end second liens in recent years as refi opportunities declined. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237829 Thu, 25 Jun 2026 11:58:29 -0400 https://www.insidemortgagefinance.com/articles/237829-nonbank-tops-home-equity-lenders-for-first-time 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