https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com The revised Basel proposal doesn’t provide any capital relief for bank holdings of mortgages that carry private mortgage insurance. http://www.insidemortgagefinance.com/articles/237986 Thu, 16 Jul 2026 11:05:29 -0400 https://www.insidemortgagefinance.com/articles/237986-capital-requirement-reduction-sought-for-private-mi jbancroft@imfpubs.com A boost in primary MI for refinance loans helped offset an across-the-board downturn in new coverage for purchase loans. Private MI earnings look to be on cruise control. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/237449 Thu, 14 May 2026 12:07:03 -0400 https://www.insidemortgagefinance.com/articles/237449-primary-mi-volume-down-in-1q26-govt-share-edges-up bivey@imfpubs.com GSE purchase-mortgage volume with private MI held up a little better on a quarterly basis than GSE business without private MI in the first quarter of 2026. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237263 Thu, 23 Apr 2026 12:12:05 -0400 https://www.insidemortgagefinance.com/articles/237263-private-mi-share-of-gse-business-up-in-first-quarter jbancroft@imfpubs.com Strong refinance business offset a decline in new primary MI coverage on purchase mortgages during the fourth quarter. Default rates and losses were on the upswing. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/236711 Thu, 19 Feb 2026 12:00:00 -0500 https://www.insidemortgagefinance.com/articles/236711-refinance-lifts-primary-mi-to-a-strong-finish-in-2025 bivey@imfpubs.com For both purchase mortgages and refis, GSE activity with private MI posted stronger performance than FHA in the fourth quarter of 2025. For the full year, trends differed, at least with purchase mortgages. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/236434 Thu, 22 Jan 2026 11:59:23 -0500 https://www.insidemortgagefinance.com/articles/236434-private-mi-business-stronger-than-fha-in-4q jdohnert@imfpubs.com Housing experts expect the market to undergo a course correction after years of rapid home price increases. http://www.insidemortgagefinance.com/articles/236311 Thu, 08 Jan 2026 12:18:50 -0500 https://www.insidemortgagefinance.com/articles/236311-home-price-correction-drives-buyers-market-in-2026 jdohnert@imfpubs.com Home insurance premiums are rising at a slower pace, but affordability challenges still remain an issue for homebuyers. http://www.insidemortgagefinance.com/articles/236248 Fri, 02 Jan 2026 09:02:00 -0500 https://www.insidemortgagefinance.com/articles/236248-home-insurance-cost-increases-slow-in-2025 jdohnert@imfpubs.com Incidences of fraud and loan defects are increasing among refinances as production of the loans accelerates. http://www.insidemortgagefinance.com/articles/236005 Wed, 26 Nov 2025 09:24:22 -0500 https://www.insidemortgagefinance.com/articles/236005-fraud-defects-an-increased-concern-for-growing-refi-market jbancroft@imfpubs.com Government-insured production declined slightly during the third quarter, while new business for private mortgage insurers was up 3.8%. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/235935 Thu, 20 Nov 2025 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/235935-private-mi-gains-in-3q25-defaults-on-the-rise ewilley@imfpubs.com The U.S. Mortgage Insurers said FHA’s Mutual Mortgage Insurance Fund is overdue for reforms, with the 2% capital ratio requirement not sufficient to meet the standards the GSEs and private insurers must satisfy. http://www.insidemortgagefinance.com/articles/235944 Thu, 20 Nov 2025 12:01:00 -0500 https://www.insidemortgagefinance.com/articles/235944-usmi-calls-for-mmif-reforms bivey@imfpubs.com Trends split during the third quarter in terms of GSE business involving private mortgage insurance. Purchase-mortgage volume increased and refis declined. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/235808 Thu, 06 Nov 2025 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/235808-purchase-mortgages-pull-up-private-mi-business-in-3q jdohnert@imfpubs.com A pause in the National Flood Insurance Program due to the government shutdown has created opportunities for private flood insurance companies to increase their business. http://www.insidemortgagefinance.com/articles/235811 Thu, 06 Nov 2025 12:01:00 -0500 https://www.insidemortgagefinance.com/articles/235811-private-flood-insurers-in-spotlight-during-shutdown jdohnert@imfpubs.com Cross-industry coordination will be key to increasing housing affordability, according to industry participants. http://www.insidemortgagefinance.com/articles/235621 Thu, 16 Oct 2025 12:04:10 -0400 https://www.insidemortgagefinance.com/articles/235621-more-innovation-needed-to-solve-housing-affordability-crisis jbancroft@imfpubs.com The volume of new mortgage originations with some form of primary MI coverage rose 25.5% from the first to the second quarter, with private MIs posting bigger gains than FHA and VA. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/235051 Thu, 14 Aug 2025 12:00:00 -0400 https://www.insidemortgagefinance.com/articles/235051-boost-in-home-sales-lifts-private-mi-share-in-2q25 bivey@imfpubs.com Securitization of FHA purchase mortgages increased by nearly 30% on a sequential basis in the second quarter. That’s double the rate of GSE activity involving private MI as homebuyers look for loans that can help with affordability. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/234993 Thu, 07 Aug 2025 12:10:00 -0400 https://www.insidemortgagefinance.com/articles/234993-fha-purchase-mortgage-growth-outpacing-private-mi jdohnert@imfpubs.com Increasing home insurance premiums have caused delays in mortgage closings, according to Matic, an insurance carrier. http://www.insidemortgagefinance.com/articles/235010 Thu, 07 Aug 2025 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/235010-lenders-report-home-insurance-issues-causing-closing-delays jbancroft@imfpubs.com Originations of home loans with some form of primary mortgage insurance fell across the board in the first quarter, but the FHA and VA gained share as the private MIs saw the biggest declines. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/234256 Thu, 15 May 2025 12:20:23 -0400 https://www.insidemortgagefinance.com/articles/234256-fha-va-gain-ground-in-1q25-primary-mi-market bivey@imfpubs.com Fannie and Freddie MBS issuance with private MI declined 20.4% on a sequential basis during the first quarter of 2025. Leaders of private MIs attributed the first-quarter slowdown to affordability issues. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/234205 Thu, 08 May 2025 12:40:14 -0400 https://www.insidemortgagefinance.com/articles/234205-private-mortgage-insurance-activity-slows-in-first-quarter sclark@imfpubs.com Several factors are affecting whether homeowner’s insurance may become more affordable in the future. http://www.insidemortgagefinance.com/articles/234140 Thu, 01 May 2025 12:15:24 -0400 https://www.insidemortgagefinance.com/articles/234140-rising-homeowners-insurance-rates-hits-mortgage-industry bivey@imfpubs.com New bills in Congress aimed at the housing market have some bipartisan support; Trump fires Democrats on NCUA board; Trump administration looks to boost mortgage activity at smaller banks. http://www.insidemortgagefinance.com/articles/234068 Thu, 24 Apr 2025 12:00:36 -0400 https://www.insidemortgagefinance.com/articles/234068-grapevine-housing-bills-in-congress-ncua-board-down-to-1-member dhollier@imfpubs.com Even though their businesses depend on Fannie and Freddie, private mortgage insurance providers don’t seem worried about the Trump administration’s efforts to release the GSEs from conservatorship. http://www.insidemortgagefinance.com/articles/233559 Thu, 27 Feb 2025 12:04:17 -0500 https://www.insidemortgagefinance.com/articles/233559-gse-reform-and-mortgage-insurers jbancroft@imfpubs.com The VA, FHA and even private MIs posted big gains in writing insurance for refinance loans in the fourth quarter while purchase-mortgage business saw a seasonal decline. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/233506 Thu, 20 Feb 2025 13:15:31 -0500 https://www.insidemortgagefinance.com/articles/233506-primary-mi-originations-up-in-4q24-thanks-to-refi-lift bivey@imfpubs.com Agency refis with primary MI skyrocketed in the fourth quarter of 2024 while purchase-mortgage business declined somewhat. Lenders tightened underwriting standards on refis as volume flowed. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/233241 Thu, 23 Jan 2025 12:10:51 -0500 https://www.insidemortgagefinance.com/articles/233241-sharp-split-in-mi-volume-trends-in-fourth-quarter jdohnert@imfpubs.com The new regulation will allow the costs of reinsurance to be passed down to homeowners and potentially increase coverage in high-risk areas. http://www.insidemortgagefinance.com/articles/233129 Thu, 09 Jan 2025 11:53:28 -0500 https://www.insidemortgagefinance.com/articles/233129-california-issues-new-regulations-to-boost-wildfire-insurance-coverage mhogan@imfpubs.com With the latest MMIF audit showing a strong capital reserve ratio, the FHA commissioner said it’s probably time to take action on pricing. http://www.insidemortgagefinance.com/articles/232717 Thu, 21 Nov 2024 11:17:42 -0500 https://www.insidemortgagefinance.com/articles/232717-fha-mmif-reports-healthy-fy24 jbancroft@imfpubs.com MGIC saw a significant gain in market share during the third quarter, but private MIs overall lost ground to FHA and VA due to surging refinance activity. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/232652 Thu, 14 Nov 2024 13:59:42 -0500 https://www.insidemortgagefinance.com/articles/232652-private-mis-lose-some-share-in-3q24-refi-market-surge jdohnert@imfpubs.com While still offered, piggyback loans are relatively rare in today’s high-interest-rate environment. http://www.insidemortgagefinance.com/articles/231851 Thu, 15 Aug 2024 12:04:05 -0400 https://www.insidemortgagefinance.com/articles/231851-piggybank-financing-still-available-though-not-prevalent jbancroft@imfpubs.com A rising tide of purchase mortgage lending floated a lot of boats in the second quarter, and expanded the market share for private MIs. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/231766 Thu, 08 Aug 2024 12:45:00 -0400 https://www.insidemortgagefinance.com/articles/231766-private-mis-gain-share-in-robust-2q24-insured-market bivey@imfpubs.com FHA purchase-mortgage volume increased 21.4% from the first to the second quarter, based on agency MBS activity. But GSE volume — both with and without private mortgage insurance — increased by more. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/231637 Thu, 25 Jul 2024 10:38:54 -0400 https://www.insidemortgagefinance.com/articles/231637-fha-loses-some-share-on-purchase-mortgages dhollier@imfpubs.com Researchers find that the climate-related increase in flood damage will boost the cost of subsidizing federal mortgage programs by 44% over the next 30 years. That doesn’t include the costs to homeowners, lenders, insurers or MBS investors. http://www.insidemortgagefinance.com/articles/231509 Fri, 12 Jul 2024 13:04:00 -0400 https://www.insidemortgagefinance.com/articles/231509-more-frequent-floods-increase-the-cost-of-federally-backed-mortgages