https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com Banks are mixed on what they plan to do in the near term with the increased capital flexibility expected to be offered by the upcoming Basel III capital framework. http://www.insidemortgagefinance.com/articles/238872 Thu, 22 Oct 2026 11:50:51 -0400 https://www.insidemortgagefinance.com/articles/238872-bank-strategies-mixed-on-next-steps-after-basel-iii jdohnert@imfpubs.com Democrats, if they gain majority in Congress, could focus on impeachment instead of new housing legislation, according to Mark McArdle, a senior vice president at Newrez. http://www.insidemortgagefinance.com/articles/238862 Thu, 22 Oct 2026 11:46:57 -0400 https://www.insidemortgagefinance.com/articles/238862-midterms-cause-housing-legislation-uncertainty dhollier@imfpubs.com Freddie Mac’s Sonu Mittal and Fannie Mae’s Jake Williamson detailed the GSEs’ challenges and successes in a deeply troubled mortgage market. http://www.insidemortgagefinance.com/articles/238798 Fri, 16 Oct 2026 15:20:48 -0400 https://www.insidemortgagefinance.com/articles/238798-gses-talk-strategy sclark@imfpubs.com The Mortgage Bankers Association and other industry trade groups have expressed concerns about the CRA proposal of the OCC and the FDIC being finalized without the Federal Reserve. http://www.insidemortgagefinance.com/articles/238806 Thu, 15 Oct 2026 11:54:01 -0400 https://www.insidemortgagefinance.com/articles/238806-mba dhollier@imfpubs.com FHFA Director Bill Pulte was expected to announce a shift to the bi-merge at the MBA’s conference this week. He ended up skipping the event to join President Trump on the campaign trail. http://www.insidemortgagefinance.com/articles/238793 Thu, 15 Oct 2026 11:47:17 -0400 https://www.insidemortgagefinance.com/articles/238793-no-pulte-announcement-on-tri-merge jdohnert@imfpubs.com The Mortgage Bankers Association said its reform measures could be adopted without new laws. http://www.insidemortgagefinance.com/articles/238804 Thu, 15 Oct 2026 11:46:18 -0400 https://www.insidemortgagefinance.com/articles/238804-mba-outlines-plan-to-lower-housing-costs dhollier@imfpubs.com Industry participants are split on the pros and cons of allowing lenders to pull scores from just two credit reporting agencies. http://www.insidemortgagefinance.com/articles/238743 Thu, 08 Oct 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238743-will-the-tri-merge-finally-end bivey@imfpubs.com Large lenders are flocking to deploy VantageScore 4.0, but others are being more cautious due to shifting GSE guidelines. There’s also uncertainty for investors in MBS and MSRs. http://www.insidemortgagefinance.com/articles/238736 Thu, 08 Oct 2026 11:57:02 -0400 https://www.insidemortgagefinance.com/articles/238736-mortgage-industry-faces-uncertainty-with-vs4-adoption sclark@imfpubs.com Some industry attorneys are skeptical whether mortgages can be fully AI originated, while still meeting compliance obligations. http://www.insidemortgagefinance.com/articles/238609 Thu, 08 Oct 2026 11:55:06 -0400 https://www.insidemortgagefinance.com/articles/238609-ai-loan-officers jdohnert@imfpubs.com A study by the Mortgage Bankers Association found that lenders aren’t adopting AI as quickly as other financial services companies. http://www.insidemortgagefinance.com/articles/238677 Fri, 02 Oct 2026 11:37:36 -0400 https://www.insidemortgagefinance.com/articles/238677-mortgage-lenders-slow-to-scale-ai dhollier@imfpubs.com Critics argue that applying the same LLPA pricing grids to VS4 and Classic FICO will camouflage, but not eliminate, the added credit risk associated with the typically higher VS4 score. http://www.insidemortgagefinance.com/articles/238669 Thu, 01 Oct 2026 11:49:26 -0400 https://www.insidemortgagefinance.com/articles/238669-pulte-abandons-dual-llpa-grids-for-credit-scores sclark@imfpubs.com Mortgage Bankers Association CEO and President Bob Broeksmit outlined various options that could improve affordability. http://www.insidemortgagefinance.com/articles/238667 Thu, 01 Oct 2026 11:48:27 -0400 https://www.insidemortgagefinance.com/articles/238667-mba 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 dhollier@imfpubs.com There will soon be five separate credit scores applicable to mortgages, with varied ranges and outputs. (Includes data table.) http://www.insidemortgagefinance.com/articles/238683 Thu, 01 Oct 2026 11:42:38 -0400 https://www.insidemortgagefinance.com/articles/238683-how-to-compare-a-bumper-crop-of-credit-scores dhollier@imfpubs.com Lenders expect confusion if the GSEs haven’t implemented FICO 10T before FHA allows for use of the score in January. http://www.insidemortgagefinance.com/articles/238611 Thu, 24 Sep 2026 11:57:19 -0400 https://www.insidemortgagefinance.com/articles/238611-fha-leapfrogs-gse-credit-score-timeline sclark@imfpubs.com Industry attorneys outlined compliance scenarios tied to joint ventures, marketing service agreements and employee arrangements. http://www.insidemortgagefinance.com/articles/238615 Thu, 24 Sep 2026 11:53:27 -0400 https://www.insidemortgagefinance.com/articles/238615-respa dhollier@imfpubs.com The FHFA director’s predilection for conducting official business on X provides housing-finance advocates a unique opportunity to lobby him directly. http://www.insidemortgagefinance.com/articles/238538 Thu, 17 Sep 2026 11:14:49 -0400 https://www.insidemortgagefinance.com/articles/238538-trades-use-social-media-to-reach-pulte jdohnert@imfpubs.com The landmark housing bill is still a long way from impacting the actual housing market, according to experts. http://www.insidemortgagefinance.com/articles/238548 Thu, 17 Sep 2026 11:05:53 -0400 https://www.insidemortgagefinance.com/articles/238548-staffing-cuts-other-priorities-could-slow-housing-bill-implementation dhollier@imfpubs.com VantageScore 4.0 is now available to all Fannie Mae and Freddie Mac sellers. And FHFA Director Bill Pulte is pondering ending the tri-merge standard. http://www.insidemortgagefinance.com/articles/238487 Thu, 10 Sep 2026 11:57:34 -0400 https://www.insidemortgagefinance.com/articles/238487-fico-monopoly-comes-to-an-end dhollier@imfpubs.com The think tank believes a smaller federal footprint in the mortgage market is the best way to lower prices and encourage homeownership. http://www.insidemortgagefinance.com/articles/238481 Thu, 10 Sep 2026 11:50:27 -0400 https://www.insidemortgagefinance.com/articles/238481-heritage-foundation-calls-for-smaller-government-role-in-mortgages dhollier@imfpubs.com Fannie Mae has reportedly fired 10 senior executives, including senior vice presidents Mark Palim and Devang Doshi. http://www.insidemortgagefinance.com/articles/238369 Thu, 27 Aug 2026 11:51:01 -0400 https://www.insidemortgagefinance.com/articles/238369-keeping-up-with-pulte jdohnert@imfpubs.com The double-pledge protection program offers lenders automated portfolio scrubbing to identify potential collateral overlap. http://www.insidemortgagefinance.com/articles/238373 Thu, 27 Aug 2026 11:45:17 -0400 https://www.insidemortgagefinance.com/articles/238373-rams-mortgage-capital-launches-double-pledging-protection-tool dhollier@imfpubs.com Trade groups agree that the reputational harm provision of the suspended counterparty program regulation is redundant. http://www.insidemortgagefinance.com/articles/238304 Thu, 20 Aug 2026 11:56:13 -0400 https://www.insidemortgagefinance.com/articles/238304-industry-backs-fhfas-scp-rule-changes dhollier@imfpubs.com New PMIERs tables assigning risk factors to loans based on credit scores and LTV ratios strongly resemble the GSEs’ LLPA tables. http://www.insidemortgagefinance.com/articles/238264 Thu, 13 Aug 2026 11:12:47 -0400 https://www.insidemortgagefinance.com/articles/238264-pmiers-update-compares-relative-risks-of-vantagescore-40-and-classic-fico sclark@imfpubs.com Mortgage and banking trade groups want the CFPB to revise TRID’s timing requirements and tolerance thresholds. http://www.insidemortgagefinance.com/articles/238247 Thu, 13 Aug 2026 11:10:53 -0400 https://www.insidemortgagefinance.com/articles/238247-industry-welcomes dhollier@imfpubs.com The Trump administration continues to pressure homebuilders to address affordability by focusing more on first-time homebuyers. http://www.insidemortgagefinance.com/articles/238255 Thu, 13 Aug 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/238255-pulte-threatens-homebuilders-again 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 sclark@imfpubs.com The proposal would retain much of the 1995 regulatory framework while making changes to asset size thresholds and narrowing the range of retail banking services subject to CRA standards. http://www.insidemortgagefinance.com/articles/238170 Thu, 06 Aug 2026 11:48:31 -0400 https://www.insidemortgagefinance.com/articles/238170-occ-fdic-issue-cra-proposal-without-fed 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