https://www.insidemortgagefinance.com/rss en-us 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 bivey@imfpubs.com MSR investors continue to offer strong bids for both low-coupon and current-coupon assets. Some MSR owners are also adjusting their risk tolerance as volatility in the financial markets has been constant during the Trump administration. http://www.insidemortgagefinance.com/articles/237453 Thu, 14 May 2026 12:06:04 -0400 https://www.insidemortgagefinance.com/articles/237453-demand-for-msrs-still-strong-across-coupons jdohnert@imfpubs.com Typically, when interest rates decline, as they did for much of the first quarter, retention rates increase. That wasn’t the case this time. http://www.insidemortgagefinance.com/articles/237465 Thu, 14 May 2026 12:04:07 -0400 https://www.insidemortgagefinance.com/articles/237465-refi-retention-dips-in-1q 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 jdohnert@imfpubs.com Carrington Mortgage is set to acquire Valon Mortgage, which primarily operates as a subservicer with a focus on Ginnie Mae loans. http://www.insidemortgagefinance.com/articles/237461 Thu, 14 May 2026 12:00:16 -0400 https://www.insidemortgagefinance.com/articles/237461-carrington-acquires-servicer-to-boost-ginnie-business bivey@imfpubs.com As a group, the five largest firms in terms of owned servicing lost market share during the first quarter of 2026. Much of the decline was due to Rocket Mortgage, the largest servicer in the industry. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237402 Thu, 07 May 2026 12:08:17 -0400 https://www.insidemortgagefinance.com/articles/237402-largest-servicers-lose-some-market-share-in-1q bivey@imfpubs.com As delinquencies rise, servicers will face increasing obligations for advances to MBS investors. Large servicers are expected to be able to handle the pressure while some smaller servicers could face difficulties. http://www.insidemortgagefinance.com/articles/237342 Thu, 30 Apr 2026 12:09:37 -0400 https://www.insidemortgagefinance.com/articles/237342-msr-stability-expected-to-be-tested-by-delinquencies jbancroft@imfpubs.com Depository institutions increased their share of the agency servicing market slightly in the first quarter of 2026 as a handful of banks bought GSE MSR in the bulk market. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237203 Thu, 16 Apr 2026 11:30:00 -0400 https://www.insidemortgagefinance.com/articles/237203-agency-servicing-market-subdued-in-early-2026 jdohnert@imfpubs.com A FASB taskforce recommended that accounting practices for mortgage servicing rights should include recapture in valuations. http://www.insidemortgagefinance.com/articles/237138 Thu, 09 Apr 2026 11:48:46 -0400 https://www.insidemortgagefinance.com/articles/237138-fasb-moves-forward-on-update-for-msr-recapture-accounting bivey@imfpubs.com Two Harbors Investment faced difficulties obtaining shareholder approval for its acquisition by United Wholesale Mortgage after the latter’s stock price declined. http://www.insidemortgagefinance.com/articles/237151 Thu, 09 Apr 2026 11:47:49 -0400 https://www.insidemortgagefinance.com/articles/237151-two-harbors-opts-for-crosscounty-offer-uwm-stews jdohnert@imfpubs.com New guidelines would eliminate the threshold-based deduction for mortgage servicing rights and apply a 250% risk weight to the assets. http://www.insidemortgagefinance.com/articles/237038 Thu, 26 Mar 2026 12:09:22 -0400 https://www.insidemortgagefinance.com/articles/237038-basel-re-proposal-not-enough-to-bring-big-banks-back-to-mortgage bivey@imfpubs.com CrossCountry Mortgage has swooped in with a superior bid, prompting United Wholesale Mortgage to revise its bid for Two Harbors. http://www.insidemortgagefinance.com/articles/237044 Thu, 26 Mar 2026 12:04:31 -0400 https://www.insidemortgagefinance.com/articles/237044-uwm-faces-competing-bids-to-acquire-two-harbors bivey@imfpubs.com 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.) http://www.insidemortgagefinance.com/articles/236954 Thu, 19 Mar 2026 14:00:57 -0400 https://www.insidemortgagefinance.com/articles/236954-ginnie-non-agency-loans-drive-servicing-higher bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236987 Thu, 19 Mar 2026 13:56:58 -0400 https://www.insidemortgagefinance.com/articles/236987-bank-regulators-propose-loosening-capital-requirements bivey@imfpubs.com Rocket is now the largest subservicer in the industry. Pennymac is poised to acquire Cenlar, the second-largest subservicer. (Includes data table.) http://www.insidemortgagefinance.com/articles/236957 Thu, 19 Mar 2026 13:54:04 -0400 https://www.insidemortgagefinance.com/articles/236957-big-shifts-in-subservicing-in-2025-more-in-the-works bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236909 Thu, 12 Mar 2026 11:40:46 -0400 https://www.insidemortgagefinance.com/articles/236909-mba-critical-of-housing-bill-ahead-of-vote-in-senate bivey@imfpubs.com The sale proceeds Tiptree is expecting from its pending sale of Reliance First Capital are tied to the book value of the mortgage unit. http://www.insidemortgagefinance.com/articles/236889 Thu, 12 Mar 2026 11:32:57 -0400 https://www.insidemortgagefinance.com/articles/236889-msr-value-declines-reducing-sale-price-of-mortgage-unit bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236776 Thu, 26 Feb 2026 12:08:01 -0500 https://www.insidemortgagefinance.com/articles/236776-ishbia-lets-uwms-earnings-do-the-talking-in-4q bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236762 Thu, 26 Feb 2026 12:06:03 -0500 https://www.insidemortgagefinance.com/articles/236762-trade-groups-push-for-additional-bank-capital-reforms bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236778 Thu, 26 Feb 2026 12:00:13 -0500 https://www.insidemortgagefinance.com/articles/236778-grapevine-trump-puts-emphasis-on-rates-mortgage-applications-level