https://www.insidemortgagefinance.com/rss en-us 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 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 Rocket’s acquisition of Mr. Cooper and Pennymac’s pending acquisition of Cenlar have prompted some changes in market share. M&T Bank posted a sharp increase in subservicing in the second quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/238612 Thu, 24 Sep 2026 12:00:15 -0400 https://www.insidemortgagefinance.com/articles/238612-rocket-cenlar-subservicing-portfolios-down-in-2q bivey@imfpubs.com The GSEs’ share of servicing topped out at 50.4% in March 2022 and has declined each quarter since then. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238610 Thu, 24 Sep 2026 11:58:17 -0400 https://www.insidemortgagefinance.com/articles/238610-gse-share-of-servicing-declines-again-in-second-quarter bivey@imfpubs.com The Federal Reserve hiked the federal funds rate by 25 bps this week. The move was already baked into mortgage rates, which aren’t expected to climb much higher even if the Fed hikes rates twice more in the next 12 months. http://www.insidemortgagefinance.com/articles/238554 Thu, 17 Sep 2026 11:16:32 -0400 https://www.insidemortgagefinance.com/articles/238554-interest-rates-on-mortgages-expected-to-hold-as-fed-hikes jdohnert@imfpubs.com Pennymac and Rocket are focused on developing scale and technology to drive down costs as originations are expected to remain muted due to the higher-for-longer interest rate environment. http://www.insidemortgagefinance.com/articles/238551 Thu, 17 Sep 2026 11:08:52 -0400 https://www.insidemortgagefinance.com/articles/238551-rocket-pennymac-focus-on-servicing-and-tech-as-originations-slow jdohnert@imfpubs.com The lender will retain mortgage servicing rights on its originations in an effort to increase borrower retention. http://www.insidemortgagefinance.com/articles/238477 Thu, 10 Sep 2026 11:54:40 -0400 https://www.insidemortgagefinance.com/articles/238477-homeservices-of-america-shifts-servicing-strategy bivey@imfpubs.com Some subservicers are offering to pay deboarding fees charged by competing subservicers to help prompt transfers. MSR owners have some hesitation beyond fees, including risks from transfers. http://www.insidemortgagefinance.com/articles/238302 Thu, 20 Aug 2026 11:54:19 -0400 https://www.insidemortgagefinance.com/articles/238302-newer-subservicers-looking-to-make-switching-affordable 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 bivey@imfpubs.com Rocket was one of the largest sellers of agency mortgage servicing rights during the second quarter and the only nonbank to post a decline in owned servicing among the top-10 firms. Chase’s decline in owned servicing looks to be tied to portfolio runoff. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/238169 Thu, 06 Aug 2026 11:51:29 -0400 https://www.insidemortgagefinance.com/articles/238169-rocket-chase-give-up-some-servicing-share-in-2q 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 bivey@imfpubs.com Limited earnings potential from originations and ongoing consolidation are likely to keep the supply of MSRs at healthy levels, according to officials at Annaly Capital Management. http://www.insidemortgagefinance.com/articles/238097 Thu, 30 Jul 2026 11:12:00 -0400 https://www.insidemortgagefinance.com/articles/238097-msr-availability-expected-to-remain-elevated bivey@imfpubs.com Carrington led MSR buyers in the first half of the year, focusing on loans with lower coupons. Bayview Asset Management ranked second, targeting mortgages with interest rates above 6.0%. http://www.insidemortgagefinance.com/articles/238046 Thu, 23 Jul 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/238046-carrington-bayview-lead-msr-buyers-strategies-vary jdohnert@imfpubs.com Foreclosure processing, completions and starts are nearing pre-pandemic levels. http://www.insidemortgagefinance.com/articles/238048 Thu, 23 Jul 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/238048-foreclosure-market-begins-to-normalize bivey@imfpubs.com The nonbank share of agency servicing increased to 68.6% at the end of June. Rocket remained the top servicer, though the nonbank’s servicing portfolio declined during the second quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237983 Thu, 16 Jul 2026 11:20:17 -0400 https://www.insidemortgagefinance.com/articles/237983-nonbanks-gain-more-agency-servicing-share-in-2q jdohnert@imfpubs.com Despite its failed bid for Two Harbors, analysts expect United Wholesale Mortgage to continue its search for a servicing platform. http://www.insidemortgagefinance.com/articles/237991 Thu, 16 Jul 2026 11:03:32 -0400 https://www.insidemortgagefinance.com/articles/237991-uwm-expected-to-continue-servicer-search 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 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 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 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 Ginnie Mae and whole loans have gained servicing share in recent years to the detriment of Fannie Mae and Freddie Mac. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237755 Thu, 18 Jun 2026 09:10:00 -0400 https://www.insidemortgagefinance.com/articles/237755-gse-servicing-share-falling-to-pre-pandemic-levels 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 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 bivey@imfpubs.com Rocket Mortgage and Cenlar remained the largest subservicers as of the end of March, though LoanCare and ServiceMac gained some ground. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237699 Thu, 11 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237699-loancare-servicemac-gain-subservicing-share-in-1q jdohnert@imfpubs.com Industry analysts believe that the bidding war for Two Harbors Investment could inflate future acquisition prices for servicers. http://www.insidemortgagefinance.com/articles/237640 Thu, 04 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237640-two-harbors-deal-brings-uncertainty-to-m-and-a-market jdohnert@imfpubs.com The second postponement of the shareholder vote on CrossCountry’s acquisition offer signals that the bid needs to be higher. http://www.insidemortgagefinance.com/articles/237639 Thu, 04 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237639-two-harbors-acquisition-in-jeopardy 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 bivey@imfpubs.com Despite the decline, the delinquency rate at the end of March was above the level seen in March 2025. Some of the increase has been pinned on FHA loss-mitigation changes, though foreclosure activity is also rising. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237534 Thu, 21 May 2026 11:46:15 -0400 https://www.insidemortgagefinance.com/articles/237534-delinquency-rate-declines-as-usual-in-first-quarter jdohnert@imfpubs.com Rocket claims prepayment rates on the loans bought as part of UWM’s MSR deals are roughly 2.5 times greater than prepayment rates for comparable pools and resulted in nearly $100 million in damages. http://www.insidemortgagefinance.com/articles/237526 Thu, 21 May 2026 11:41:25 -0400 https://www.insidemortgagefinance.com/articles/237526-rocket-accuses-uwm-of-breaking-non-solicitation-agreement