https://www.insidemortgagefinance.com/rss en-us nbhatia@imfpubs.com Mortgage originations declined across the three major production channels in the first quarter of 2026. Pennymac reported a 32.8% drop in conventional-conforming volume through correspondents. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237810 Fri, 26 Jun 2026 13:10:12 -0400 https://www.insidemortgagefinance.com/articles/237810-originations-decline-across-all-production-channels jdohnert@imfpubs.com Non-QM underwriting was once a hands-on process, but lenders are increasingly testing the use of AI. http://www.insidemortgagefinance.com/articles/237840 Fri, 26 Jun 2026 13:08:13 -0400 https://www.insidemortgagefinance.com/articles/237840-ai-starting-to-find-footing-in-non-qm-originations nbhatia@imfpubs.com JPMorgan Chase remained by far the most prominent seller, with $23.05 billion in volume during the first quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237867 Fri, 26 Jun 2026 13:06:15 -0400 https://www.insidemortgagefinance.com/articles/237867-bank-mortgage-originations-loan-sales-decline ewilley@imfpubs.com Freedom Mortgage accused its former senior vice president of product management of developing a competing loan origination system while he was on Freedom’s payroll. http://www.insidemortgagefinance.com/articles/237856 Fri, 26 Jun 2026 13:03:20 -0400 https://www.insidemortgagefinance.com/articles/237856-freedom-sues-former-software-lead azimmardi@imfpubs.com While real estate investor purchases dropped on a quarterly basis in the first quarter of 2026, the flipping rate as a percentage of total sales nationwide grew. http://www.insidemortgagefinance.com/articles/237852 Fri, 26 Jun 2026 13:02:22 -0400 https://www.insidemortgagefinance.com/articles/237852-investor-purchases-decline-while-flipping-activity-increases-in-q1 ewilley@imfpubs.com The Urban Institute has recommended the government-sponsored enterprises spearhead an effort to make condo lending and construction less risky. http://www.insidemortgagefinance.com/articles/237838 Fri, 26 Jun 2026 13:01:23 -0400 https://www.insidemortgagefinance.com/articles/237838-urban-urges-gse-condo-lending-reform azimmardi@imfpubs.com Unlike other AI guidance tools, the new mortgage-specific framework launched by MISMO is designed for organizations without big risk-focused teams. http://www.insidemortgagefinance.com/articles/237733 Fri, 12 Jun 2026 11:07:00 -0400 https://www.insidemortgagefinance.com/articles/237733-mismo-launches-frame-helps-lenders-govern-ai-policies sclark@imfpubs.com In a joint comment letter, a dozen trade groups said the FCC’s proposed restrictions on foreign call centers are unnecessary because existing federal laws already impose “extensive” consumer protection, privacy and data security obligations on financial services providers. http://www.insidemortgagefinance.com/articles/237727 Fri, 12 Jun 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/237727-trade-groups-oppose-fcc-foreign-call-center-restrictions bivey@imfpubs.com Earnings were down compared with both the fourth quarter of 2025 and the first quarter of 2025. Some of the biggest banks don’t have particularly high hopes for their mortgage businesses this year. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237734 Fri, 12 Jun 2026 11:05:00 -0400 https://www.insidemortgagefinance.com/articles/237734-banks-mortgage-earnings-decline-in-first-quarter jdohnert@imfpubs.com Home prices are down in some areas, but inflation is more than offsetting any relief for homebuyers. http://www.insidemortgagefinance.com/articles/237732 Fri, 12 Jun 2026 11:04:00 -0400 https://www.insidemortgagefinance.com/articles/237732-rising-costs-bring-uncertainty-to-housing-market bivey@imfpubs.com Repurchases were down nearly 20% compared with the fourth quarter of 2025. Reserves for repurchases also declined. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237735 Fri, 12 Jun 2026 11:03:00 -0400 https://www.insidemortgagefinance.com/articles/237735-mortgage-repurchases-by-banks-drop-in-first-quarter ewilley@imfpubs.com Mortgage denial rates increase significantly for applicants with debt-to-income ratios above 50%, according to researchers at the Federal Reserve Bank of St. Louis. http://www.insidemortgagefinance.com/articles/237736 Fri, 12 Jun 2026 11:01:00 -0400 https://www.insidemortgagefinance.com/articles/237736-denial-rates-spike-around-50-dti-fed-paper nbhatia@imfpubs.com The volume of loans with primary insurance coverage flowing into agency mortgage-backed securities declined during the first quarter of 2026. FHA refinances in agency MBS issuance were up 8.0%. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237588 Fri, 29 May 2026 10:10:03 -0400 https://www.insidemortgagefinance.com/articles/237588-primary-mi-volume-falls-in-1q-fha-boost-refi-share nbhatia@imfpubs.com Banks and thrifts decreased the amount of mortgage servicing they handle for other entities in the first quarter. Meanwhile, valuations for the servicing asset increased for the third straight quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/237574 Fri, 29 May 2026 10:06:05 -0400 https://www.insidemortgagefinance.com/articles/237574-banks-servicing-valuations-strengthen-in-first-quarter jdohnert@imfpubs.com Florida-based GO Mortgage believes its mix of strong technology and personal touch will differentiate the lender from giants in the wholesale channel. http://www.insidemortgagefinance.com/articles/237560 Fri, 29 May 2026 10:05:06 -0400 https://www.insidemortgagefinance.com/articles/237560-go-mortgage-launches-wholesale-channel nbhatia@imfpubs.com Denial rates declined slightly last year even as more applicants flocked to get a mortgage. (Includes data table.) http://www.insidemortgagefinance.com/articles/237569 Fri, 29 May 2026 10:04:08 -0400 https://www.insidemortgagefinance.com/articles/237569-denial-rate-for-conforming-mortgages-decline-in-2025 ewilley@imfpubs.com The former chief economic adviser to President Trump believes evolving AI capabilities and quantum computing present an enormous threat to many businesses’ cybersecurity measures. http://www.insidemortgagefinance.com/articles/237605 Fri, 29 May 2026 10:01:10 -0400 https://www.insidemortgagefinance.com/articles/237605-imb-vice-chairs-dire-warning-on-cybersecurity jdohnert@imfpubs.com Homeowners insurance premiums increased by 9.16% on an annual basis in 2025, after increasing by double digits each year between 2019 and 2024. http://www.insidemortgagefinance.com/articles/237608 Fri, 29 May 2026 10:00:11 -0400 https://www.insidemortgagefinance.com/articles/237608-insurance-market-stabilizing-after-years-of-increases azimmardi@imfpubs.com Real estate investor sentiment plummeted in the first quarter of 2026 to the lowest level in the 11-quarter history of the survey, according to a recent survey from RCN Capital. http://www.insidemortgagefinance.com/articles/237505 Mon, 18 May 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237505-real-estate-investor-sentiment-falls-to-new-low bivey@imfpubs.com AI won’t necessarily reduce costs for servicers, but the technology can improve processes and borrower retention, according to industry participants. http://www.insidemortgagefinance.com/articles/237471 Fri, 15 May 2026 14:08:04 -0400 https://www.insidemortgagefinance.com/articles/237471-servicers-offer-clear-eyed-view-on-benefits-of-ai nbhatia@imfpubs.com Rate emerged as the top correspondent seller in 2025, delivering $18.58 billion of mortgages to unaffiliated non-agency buyers, a sharp 36.4% increase on an annual basis. (Includes data table.) http://www.insidemortgagefinance.com/articles/237482 Fri, 15 May 2026 14:07:05 -0400 https://www.insidemortgagefinance.com/articles/237482-correspondent-sales-increase-in-2025-rate-tops-lenders jdohnert@imfpubs.com A Pennsylvania judge said Mortgage Connect’s complaint failed to meet the burden of proof for a clear right to relief in a case that involved a former employee’s noncompete clause. http://www.insidemortgagefinance.com/articles/237486 Fri, 15 May 2026 14:06:07 -0400 https://www.insidemortgagefinance.com/articles/237486-mortgage-connect-noncompete-clause-ruled-unenforceable jdohnert@imfpubs.com Despite taking losses in the first quarter, ICE and Blend are bullish on AI adoption in the mortgage industry. http://www.insidemortgagefinance.com/articles/237483 Fri, 15 May 2026 14:05:10 -0400 https://www.insidemortgagefinance.com/articles/237483-tech-vendors-optimistic-about-ai-future azimmardi@imfpubs.com The outlook among real estate investors is at its lowest level in the last three years, due in part to the war in Iran. http://www.insidemortgagefinance.com/articles/237481 Fri, 15 May 2026 14:04:11 -0400 https://www.insidemortgagefinance.com/articles/237481-war-in-iran-high-prices-causes-investor-sentiment-to-drop sclark@imfpubs.com As parts of the country see a boost in housing inventory, housing affordability is the primary factor preventing consumers from diving into the homebuying process. http://www.insidemortgagefinance.com/articles/237487 Fri, 15 May 2026 14:03:13 -0400 https://www.insidemortgagefinance.com/articles/237487-housing-affordability-forefront-of-homebuyers azimmardi@imfpubs.com Market turmoil, the COVID-19 pandemic and other challenges finally pushed Impac Mortgage Holdings to file for Chapter 11 bankruptcy in April. http://www.insidemortgagefinance.com/articles/237489 Fri, 15 May 2026 14:02:15 -0400 https://www.insidemortgagefinance.com/articles/237489-impacs-broker-shift-leads-to-bankruptcy jdohnert@imfpubs.com Origna8 is providing brokers a platform that can be used for lead generation, agentic-AI marketing, lender relationship management and data analytics. http://www.insidemortgagefinance.com/articles/237358 Fri, 01 May 2026 13:56:10 -0400 https://www.insidemortgagefinance.com/articles/237358-ex-rocket-leadership-team-with-uwm azimmardi@imfpubs.com During the first quarter of 2026, Northpointe Bank’s warehouse lending essentially held steady compared with the fourth quarter and the bank increased its production of “all-in-one” loans. http://www.insidemortgagefinance.com/articles/237353 Fri, 01 May 2026 13:54:14 -0400 https://www.insidemortgagefinance.com/articles/237353-northpointe-banks-mpp-down-heloc-originations-up sclark@imfpubs.com The warning came amid widespread adoption of artificial intelligence in the housing and mortgage industry. http://www.insidemortgagefinance.com/articles/237359 Fri, 01 May 2026 13:52:16 -0400 https://www.insidemortgagefinance.com/articles/237359-consumer-advocates-warn-of-ai-in-housing-risks ewilley@imfpubs.com Recent research revealed how borrowers adjust their usage of buy now, pay later loans before and after a home purchase, but more data are needed to understand how the loans are being used. http://www.insidemortgagefinance.com/articles/237356 Fri, 01 May 2026 13:51:18 -0400 https://www.insidemortgagefinance.com/articles/237356-borrower-bnpl-habits-remain-somewhat-mysterious