https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com A massive influx of investor demand for business-purpose loans has prompted lenders to loosen underwriting standards for the asset class. http://www.insidemortgagefinance.com/articles/237886 Thu, 02 Jul 2026 11:42:25 -0400 https://www.insidemortgagefinance.com/articles/237886-borrower-quality-insurance-dragging-down-bpl-market azimmardi@imfpubs.com The correspondent channel accounted for 19.3% of nonconforming originations in the first quarter of 2026, up from 16.7% in the previous three-month period. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237793 Thu, 18 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237793-correspondent-share-of-nonconforming-lending-grows-in-1q jdohnert@imfpubs.com Poor quality appraisals and weak due diligence controls are leading to growing concern about appraisal values for non-QMs. http://www.insidemortgagefinance.com/articles/237789 Thu, 18 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237789-non-qm-originators-raise-concern-on-appraisal-values jdohnert@imfpubs.com More extensive rehab projects and growing investor demand have pushed some lenders to consider getting more lenient with some standards for residential transition loans. http://www.insidemortgagefinance.com/articles/237667 Fri, 05 Jun 2026 13:02:00 -0400 https://www.insidemortgagefinance.com/articles/237667-lenders-consider-expanding-credit-box-for-rtls bivey@imfpubs.com The annual adjustment that FHFA makes to conforming loan limits presents opportunities and challenges for jumbo lenders, according to new research. http://www.insidemortgagefinance.com/articles/237176 Fri, 10 Apr 2026 13:07:30 -0400 https://www.insidemortgagefinance.com/articles/237176-impact-of-gse-loan-limit-increases-varies-by-county azimmardi@imfpubs.com An estimated $94.00 billion of adjustable-rate mortgages were originated in the fourth quarter, up 20.5% from the third quarter. For the full year, volume shot up 44.7% to an estimated $298.00 billion. (Includes data table.) http://www.insidemortgagefinance.com/articles/237016 Fri, 27 Mar 2026 14:52:54 -0400 https://www.insidemortgagefinance.com/articles/237016-arm-production-back-up-in-fourth-quarter-ytd azimmardi@imfpubs.com Production of adjustable-rate mortgages increased almost across the board in the second quarter of 2025. As usual, banks led the charge. (Includes data table.) http://www.insidemortgagefinance.com/articles/235394 Fri, 19 Sep 2025 15:36:54 -0400 https://www.insidemortgagefinance.com/articles/235394-arm-originations-soar-in-second-quarter-led-by-banks jdohnert@imfpubs.com An evolving regulatory environment under the Trump administration has created new interest in mortgages backed by cryptocurrency like Bitcoin and Ethereum. http://www.insidemortgagefinance.com/articles/235225 Fri, 05 Sep 2025 12:18:18 -0400 https://www.insidemortgagefinance.com/articles/235225-non-qm-lenders-see-renewed-interest-in-crypto-mortgages bivey@imfpubs.com Retail lending among lenders in the analysis declined sharply during the first quarter while the correspondent and broker channels posted more modest declines in nonconforming production. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234673 Fri, 27 Jun 2025 13:45:38 -0400 https://www.insidemortgagefinance.com/articles/234673-retail-channel-loses-share-in-nonconforming-market bivey@imfpubs.com ARMs accounted for 12.1% of total residential mortgage originations in the first quarter of 2025, down more than a full percentage point compared with the previous quarter. Still, production of the loans was up from the first quarter of 2024. (Includes data table.) http://www.insidemortgagefinance.com/articles/234669 Fri, 27 Jun 2025 13:42:40 -0400 https://www.insidemortgagefinance.com/articles/234669-mixed-trends-for-arm-originations-in-early-2025 bivey@imfpubs.com Impairment rate on securitized non-QMs rises in May; Rocket offering bridge loans; architecture firm to acquire non-QM lender; Chimera unit aggregating HEIs for securitization. http://www.insidemortgagefinance.com/articles/234679 Fri, 27 Jun 2025 13:37:50 -0400 https://www.insidemortgagefinance.com/articles/234679-news-briefs bivey@imfpubs.com Short-term mortgages track residential transition loans and fix-and-flip loans. Last year, originations were up 34.6% compared with 2023. (Includes data table.) http://www.insidemortgagefinance.com/articles/234546 Fri, 13 Jun 2025 15:49:01 -0400 https://www.insidemortgagefinance.com/articles/234546-originations-of-short-term-loans-soar-in-2024 bivey@imfpubs.com Correspondent sales of jumbo mortgages originated in 2024 increased by more than 60% on an annual basis. The largest sellers were almost all nonbanks, though Chase cracked the top 5 with its deliveries into non-agency MBS. (Includes data table.) http://www.insidemortgagefinance.com/articles/234293 Fri, 16 May 2025 15:12:45 -0400 https://www.insidemortgagefinance.com/articles/234293-correspondent-sales-of-jumbo-mortgages-spike-in-2024 bivey@imfpubs.com Federal agencies have used the higher-priced mortgage designation as a proxy for subprime lending. Strategies vary among the biggest originators of higher-priced mortgages, including focusing on loans for manufactured homes or expanded-credit mortgages. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234291 Fri, 16 May 2025 15:06:51 -0400 https://www.insidemortgagefinance.com/articles/234291-higher-priced-lending-increases-slightly-in-2024 bivey@imfpubs.com Rithm is both a buyer and seller of non-agency mortgages. Wider spreads in recent months have helped generate strong returns from loan acquisitions. Meanwhile, RTL production through its Genesis unit slowed during the first quarter. http://www.insidemortgagefinance.com/articles/234176 Fri, 02 May 2025 13:04:30 -0400 https://www.insidemortgagefinance.com/articles/234176-rithms-investment-portfolio-recovers-in-first-quarter bivey@imfpubs.com Impairment rate on non-QMs declines; new issuers of home equity loan securitizations; bank offers new jumbo ARMs via wholesale channel; proprietary reverse-mortgage product from Liberty Reverse Mortgage. http://www.insidemortgagefinance.com/articles/234173 Fri, 02 May 2025 13:02:34 -0400 https://www.insidemortgagefinance.com/articles/234173-news-briefs pmuolo@imfpubs.com The tariff war blew a hole in non-QM profits last week, but a turnaround is underway. http://www.insidemortgagefinance.com/articles/234033 Fri, 18 Apr 2025 14:07:00 -0400 https://www.insidemortgagefinance.com/articles/234033-non-qm-bidders-return-caution-remains bivey@imfpubs.com Proponents of the non-agency market see GSE reform as an opportunity to take steps to increase the non-agency share of activity in the secondary market. The Trump administration’s plans for the secondary market remain unclear. http://www.insidemortgagefinance.com/articles/234043 Fri, 18 Apr 2025 14:06:00 -0400 https://www.insidemortgagefinance.com/articles/234043-non-agency-boost-an-option-with-gse-reform bivey@imfpubs.com A new bill sets exemptions for secondary market participants after a state regulator established deeply unpopular licensing requirements at the beginning of the year. http://www.insidemortgagefinance.com/articles/234044 Fri, 18 Apr 2025 14:05:00 -0400 https://www.insidemortgagefinance.com/articles/234044-maryland-legislature-cleans-up-mbs-licensing-mess bivey@imfpubs.com Carrington is expanding its guidelines and offering competitive pricing for non-QMs in the correspondent channel, aiming to gain market share. The company also works to help correspondent sellers mitigate risks on non-QM sales. http://www.insidemortgagefinance.com/articles/234045 Fri, 18 Apr 2025 14:03:00 -0400 https://www.insidemortgagefinance.com/articles/234045-carrington-goes-non-qm-only-for-correspondent-channel bivey@imfpubs.com Castlelake plans to invest in up to $2 billion of newly originated residential mortgages sourced from Invictus Capital Partners. http://www.insidemortgagefinance.com/articles/234046 Fri, 18 Apr 2025 14:02:00 -0400 https://www.insidemortgagefinance.com/articles/234046-invictus-to-sell-non-agency-whole-loans-to-castlelake bivey@imfpubs.com Beeline Financial started operations in 2020 and has yet to turn a profit. The company is now publicly traded thanks to a transaction involving a distillery, with plans to boost non-QM lending by leaning on technology. http://www.insidemortgagefinance.com/articles/234047 Fri, 18 Apr 2025 14:01:00 -0400 https://www.insidemortgagefinance.com/articles/234047-non-qm-lender-working-to-dig-out-of-hole pmuolo@imfpubs.com Moody’s affirms assessments on Redwood; Deephaven loosens DSCR underwriting; Dan Perl update; ARDRI acquires expanded-credit lender; new proprietary reverse mortgages from Mutual of Omaha Mortgage. http://www.insidemortgagefinance.com/articles/234049 Fri, 18 Apr 2025 14:00:00 -0400 https://www.insidemortgagefinance.com/articles/234049-news-briefs jdohnert@imfpubs.com Brian O’Shaughnessy, the former co-CEO of Rama Capital Partners, launched ARDRI to provide a mix of the latest technology and customer-focused operations for non-QM mortgage brokers. http://www.insidemortgagefinance.com/articles/233926 Fri, 04 Apr 2025 14:36:37 -0400 https://www.insidemortgagefinance.com/articles/233926-ardri-is-the-latest-lender-to-enter-wholesale-non-qm-lending jdohnert@imfpubs.com A change in FHA lending requirements could lead to more non-permanent residents using non-QM options. http://www.insidemortgagefinance.com/articles/233928 Fri, 04 Apr 2025 14:33:38 -0400 https://www.insidemortgagefinance.com/articles/233928-non-agency-loans-becomes-only-option-for-non-permanent-residents jdohnert@imfpubs.com Toorak Connect is an underwriting platform that uses artificial intelligence and machine learning to score loans based on risk. It has been used to underwrite more than $5 billion in business-purpose loans since its launch in 2022. http://www.insidemortgagefinance.com/articles/233929 Fri, 04 Apr 2025 14:31:43 -0400 https://www.insidemortgagefinance.com/articles/233929-toorak-leverages-ai-for-bpl-originations jdohnert@imfpubs.com Brookfield to acquire majority stake in Angel Oak; Dominion Financial launches AI chatbots; Carrington Mortgage’s correspondent channel goes fully non-QM; Sachem Capital takes loss in 2024. http://www.insidemortgagefinance.com/articles/233932 Fri, 04 Apr 2025 14:28:49 -0400 https://www.insidemortgagefinance.com/articles/233932-news-briefs jdohnert@imfpubs.com The correspondent share of nonconforming originations returned to the double digits in the fourth quarter of 2024. Though for the full year, correspondents lost market share. http://www.insidemortgagefinance.com/articles/233794 Fri, 21 Mar 2025 15:20:04 -0400 https://www.insidemortgagefinance.com/articles/233794-correspondent-channel-gains-share-of-nonconforming-market-in-4q jdohnert@imfpubs.com The lender is seeing strong demand from borrowers and the secondary market for non-agency business purpose loans. http://www.insidemortgagefinance.com/articles/233786 Fri, 21 Mar 2025 15:18:05 -0400 https://www.insidemortgagefinance.com/articles/233786-velocity-sees-record-profits-in-4q jdohnert@imfpubs.com Homebuilder Lennar and First-Citizens Bank & Trust posted strong increases in originations of adjustable-rate mortgages. http://www.insidemortgagefinance.com/articles/233783 Fri, 21 Mar 2025 15:14:06 -0400 https://www.insidemortgagefinance.com/articles/233783-arm-production-increases-in-the-fourth-quarter