https://www.insidemortgagefinance.com/rss en-us 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 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 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 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