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    <title>Servicing</title>
    <description>
      <![CDATA[]]>
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    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Revamped Basel Proposal Not Attractive Enough for Banks</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New guidelines would eliminate the threshold-based deduction for mortgage servicing rights and apply a 250% risk weight to the assets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237038</guid>
      <pubDate>Thu, 26 Mar 2026 12:09:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237038-basel-re-proposal-not-enough-to-bring-big-banks-back-to-mortgage</link>
    </item>
    <item>
      <title>UWM Faces Competing Bids to Acquire Two Harbors</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[CrossCountry Mortgage has swooped in with a superior bid, prompting United Wholesale Mortgage to revise its bid for Two Harbors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237044</guid>
      <pubDate>Thu, 26 Mar 2026 12:04:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237044-uwm-faces-competing-bids-to-acquire-two-harbors</link>
    </item>
    <item>
      <title>Ginnie, Non-Agency Loans Drive Servicing Higher</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[GSE servicing outstanding barely budged during 2025 while Ginnie servicing increased by 6.8% on an annual basis. In owned servicing, the only firms with major gains in 2025 were nonbanks. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236954</guid>
      <pubDate>Thu, 19 Mar 2026 14:00:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236954-ginnie-non-agency-loans-drive-servicing-higher</link>
    </item>
    <item>
      <title>Bank Regulators Propose Loosening Capital Requirements</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The proposals would reduce capital requirements of banks in terms of mortgages held in portfolio and for mortgage servicing. Federal banking regulators said the goal is to help banks better compete with nonbanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236987</guid>
      <pubDate>Thu, 19 Mar 2026 13:56:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236987-bank-regulators-propose-loosening-capital-requirements</link>
    </item>
    <item>
      <title>Big Shifts in Subservicing in 2025, More in the Works</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket is now the largest subservicer in the industry. Pennymac is poised to acquire Cenlar, the second-largest subservicer. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236957</guid>
      <pubDate>Thu, 19 Mar 2026 13:54:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236957-big-shifts-in-subservicing-in-2025-more-in-the-works</link>
    </item>
    <item>
      <title>MBA Critical of Housing Bill Ahead of Vote in Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate is set to vote on legislation aimed at addressing housing affordability. MBA had supported earlier versions of the bill in the House and Senate.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236909</guid>
      <pubDate>Thu, 12 Mar 2026 11:40:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236909-mba-critical-of-housing-bill-ahead-of-vote-in-senate</link>
    </item>
    <item>
      <title>Drop in MSR Value Eats Into Tiptree’s Proceeds From RFC Sale</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The sale proceeds Tiptree is expecting from its pending sale of Reliance First Capital are tied to the book value of the mortgage unit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236889</guid>
      <pubDate>Thu, 12 Mar 2026 11:32:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236889-msr-value-declines-reducing-sale-price-of-mortgage-unit</link>
    </item>
    <item>
      <title>Ishbia Lets UWM’s 4Q Earnings Do the Talking</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The nonbank generated $164.5 million of net income in the fourth quarter of 2025. But in a departure from norm, Mat Ishbia, president and CEO of UWM, didn’t take questions from stock analysts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236776</guid>
      <pubDate>Thu, 26 Feb 2026 12:08:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236776-ishbia-lets-uwms-earnings-do-the-talking-in-4q</link>
    </item>
    <item>
      <title>Trade Groups Push for Additional Bank Capital Reforms</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Bank and mortgage industry groups are calling for broad reforms to bank capital requirements. Meanwhile, reactions to pending proposals from the Fed tied to bank mortgage holdings and MSRs were mixed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236762</guid>
      <pubDate>Thu, 26 Feb 2026 12:06:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236762-trade-groups-push-for-additional-bank-capital-reforms</link>
    </item>
    <item>
      <title>Grapevine: Trump Puts Emphasis on Rates; Mortgage Applications Level</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236778</guid>
      <pubDate>Thu, 26 Feb 2026 12:00:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236778-grapevine-trump-puts-emphasis-on-rates-mortgage-applications-level</link>
    </item>
    <item>
      <title>Fed to Propose Capital Relief for Banks on MSRs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Reserve will soon issue proposals revising capital requirements set under the Basel framework in a way that could increase bank involvement in mortgage originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236692</guid>
      <pubDate>Thu, 19 Feb 2026 11:58:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236692-fed-to-propose-capital-relief-for-banks-on-msrs</link>
    </item>
    <item>
      <title>Pennymac Sees Strong Economics in Subservicing</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pennymac’s deep expertise in servicing its own book of business uniquely positions the company to acquire subservicing giant Cenlar, according to industry analysts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236710</guid>
      <pubDate>Thu, 19 Feb 2026 11:56:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236710-pennymac-uniquely-positioned-for-cenlar-deal</link>
    </item>
    <item>
      <title>Large Servicers See Sharp Increase in Delinquencies</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies continue to rise but industry participants stress there’s no cause for concern. They pointed to a change in FHA loss-mitigation policies during the fourth quarter and “market recalibration.”&nbsp;<span style=" font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; widows: 2; word-spacing: 0px; display: inline !important; float: none;">(Includes two data tables.)</span>
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236698</guid>
      <pubDate>Thu, 19 Feb 2026 11:56:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236698-large-servicers-see-sharp-increase-in-delinquencies</link>
    </item>
    <item>
      <title>Lenders Expected to Retain More Servicing After Recent Sell Off</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are examining opportunities to retain more servicing this year as originations are expected to stay steady.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236643</guid>
      <pubDate>Thu, 12 Feb 2026 11:38:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236643-lenders-expected-to-retain-more-servicing-after-recent-sell-off</link>
    </item>
    <item>
      <title>Servicers Raise Alarms as Delinquencies Rise</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Unemployment and inflation are leading to an increase in delinquencies and foreclosures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236637</guid>
      <pubDate>Thu, 12 Feb 2026 11:37:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236637-servicers-raise-alarms-on-growing-delinquencies</link>
    </item>
    <item>
      <title>New Nonbank Servicing Giant Emerges in Fourth Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Rocket Mortgage ended the fourth quarter of 2025 with more than $2 trillion in primary servicing, thanks to its acquisition of Mr. Cooper Group. And for the first time a bank isn’t first in owned servicing. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236581</guid>
      <pubDate>Thu, 05 Feb 2026 12:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236581-new-nonbank-servicing-giant-emerges-in-fourth-quarter</link>
    </item>
    <item>
      <title>Rate Charts AI Expansion in 2026 After Measured Approach </title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Nonbank lender Rate expects to expand the use of AI in its originations and sales processes this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236519</guid>
      <pubDate>Thu, 29 Jan 2026 11:40:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236519-rate-charts-ai-expansion-in-2026</link>
    </item>
    <item>
      <title>A New King is Crowned in Agency Mortgage Servicing</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The fastest-growing sector of the agency servicing market was the cohort with coupons of 5% to 6%, which was up 11.8% in the fourth quarter. MSR with rates above 6% surged to $2 trillion. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236378</guid>
      <pubDate>Thu, 15 Jan 2026 12:10:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236378-a-new-king-is-crowned-in-agency-mortgage-servicing</link>
    </item>
    <item>
      <title>Big Banks Boost Originations in Fourth Quarter</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Wells Fargo, Bank of America, and Chase increased mortgage production during the fourth quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236392</guid>
      <pubDate>Thu, 15 Jan 2026 12:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236392-the-big-banks-boost-originations-in-4q</link>
    </item>
    <item>
      <title>Mixed View on Fed Direction Clouds Mortgage Rate Projections</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association expects mortgage rates will remain in a narrow band this year while Fannie Mae forecasts declines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236308</guid>
      <pubDate>Thu, 08 Jan 2026 12:25:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236308-mixed-views-on-fed-cloud-mortgage-rate-projections</link>
    </item>
    <item>
      <title>Two Harbors Deal to Help Drive UWM’s Servicing Strategy</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Kroll Bond Rating Agency said United Wholesale Mortgage’s acquisition of Two Harbors will expedite UWM’s move to in-house servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236271</guid>
      <pubDate>Fri, 02 Jan 2026 09:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236271-two-harbors-deal-to-help-drive-uwms-servicing-strategy</link>
    </item>
    <item>
      <title>Ginnie Servicing Share Ticks Up Again in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236177</guid>
      <pubDate>Thu, 18 Dec 2025 11:59:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236177-ginnie-servicing-share-ticks-up-again-in-third-quarter</link>
    </item>
    <item>
      <title>Grapevine: UWM Buying Two Harbors; Broker Employment Rises</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[UWM is set to buy Two Harbors Investment in a $1.3 billion all-stock transaction; mortgage broker employment increases in October.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236195</guid>
      <pubDate>Thu, 18 Dec 2025 11:50:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236195-grapevine-uwm-buying-two-harbors-adding-servicing-broker-employment-rises</link>
    </item>
    <item>
      <title>Fannie Rumored to Consider Changes to Net Worth Requirements</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Long-time industry <span style=" font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; widows: 2; word-spacing: 0px; display: inline !important; float: none;">analyst</span>&nbsp;Chris Whalen said the GSE plans to disqualify some types of capital from use to calculate net worth.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236128</guid>
      <pubDate>Thu, 11 Dec 2025 12:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236128-is-fannie-reconsidering-net-worth-calculation-for-large-nonbanks</link>
    </item>
    <item>
      <title>Grapevine: Bank Regulators Eye Mortgage Relief; FICO 10T Data</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Basel III re-proposal could include relief for mortgages; FICO to release historical data for 10T score.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236064</guid>
      <pubDate>Thu, 04 Dec 2025 11:50:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236064-grapevine-bank-regulators-eye-mortgage-relief-fico-10t-historical-data</link>
    </item>
    <item>
      <title>Subservicing Totals Quietly Head North in Third Quarter</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Subservicing volume increased during the third quarter but that could change as lending giant United Wholesale Mortgage is set to bring its servicing in-house. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236012</guid>
      <pubDate>Wed, 26 Nov 2025 09:30:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236012-subservicing-totals-quietly-head-north</link>
    </item>
    <item>
      <title>MSR Buyers Relying Heavily on Recapture Projections</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Certain MSR buyers have been willing to pay lofty prices in recent years, hoping to recapture borrowers when interest rates decline. There are some questions about whether the moves will ultimately be profitable.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235943</guid>
      <pubDate>Thu, 20 Nov 2025 12:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235943-msr-buyers-relying-heavily-on-recapture-projections</link>
    </item>
    <item>
      <title>MSR Demand Expected to Remain Strong; Supply Low</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Low volatility and actions by the Federal Reserve are expected to help maintain demand for MSRs. Supply will also be constrained, with lenders generating profits and large firms retaining their MSRs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235945</guid>
      <pubDate>Thu, 20 Nov 2025 12:02:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235945-msr-demand-expected-to-remain-strong-supply-low</link>
    </item>
    <item>
      <title>Mortgage Closings Expected to Ramp Up as Shutdown Ends</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Federal operations that were disrupted during the shutdown are expected to bounce back, helping lenders with loans stuck in their pipelines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235879</guid>
      <pubDate>Thu, 13 Nov 2025 12:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235879-mortgage-closings-expected-to-ramp-up-quickly-following-shutdown</link>
    </item>
    <item>
      <title>Stakeholders Seek More Details in FHFA’s Strategic Plan</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders urged the regulator to spell out the GSEs’ conservatorship-era obligations that could apply even if Fannie and Freddie are released.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235874</guid>
      <pubDate>Thu, 13 Nov 2025 12:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235874-stakeholders-seek-more-details-in-fhfas-strategic-plan</link>
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