https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com An analysis of earnings reports from 18 lenders showed combined income from production and secondary marketing declined from the first quarter. Servicing income also decreased. (Includes data tables.) http://www.insidemortgagefinance.com/articles/238577 Fri, 18 Sep 2026 16:00:53 -0400 https://www.insidemortgagefinance.com/articles/238577-mortgage-banking-profits-on-production-servicing-decline-in-2q bivey@imfpubs.com Mortgage-banking income declined by 6.1% on an annual basis in the first half of the year. At Chase, the largest bank in the mortgage market, a drop in servicing revenue more than offset an increase in production revenue. (Includes one data table.) http://www.insidemortgagefinance.com/articles/238450 Fri, 04 Sep 2026 12:10:14 -0400 https://www.insidemortgagefinance.com/articles/238450-banks-mortgage-income-down-in-first-half-of-2026 jdohnert@imfpubs.com A group of 13 publicly traded nonbank lenders reported a combined $2.20 billion in mortgage-banking income for the second quarter, down 32.3% from the first quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/238341 Fri, 21 Aug 2026 15:15:30 -0400 https://www.insidemortgagefinance.com/articles/238341-nonbanks-see-decline-in-mortgage-banking-income-in-2q jdohnert@imfpubs.com Proprietary reverse-mortgage originations are hitting record highs, helping boost lender production during a spring slowdown. http://www.insidemortgagefinance.com/articles/238334 Fri, 21 Aug 2026 15:08:42 -0400 https://www.insidemortgagefinance.com/articles/238334-lenders-see-boost-from-proprietary-reverse-mortgages bivey@imfpubs.com Better has filed a lawsuit against founder and former CEO Vishal Garg for alleged violations of SEC standards. http://www.insidemortgagefinance.com/articles/238323 Fri, 21 Aug 2026 15:07:56 -0400 https://www.insidemortgagefinance.com/articles/238323-leadership-transition-at-better-heads-to-court bivey@imfpubs.com A group of 26 banks increased their mortgage earnings by 3.8% on a quarterly basis during the second quarter. Six months into the year, earnings were down 1.0% compared with the first half of 2025, with interest rates weighing on production. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238210 Fri, 07 Aug 2026 11:55:10 -0400 https://www.insidemortgagefinance.com/articles/238210-bank-mortgage-earnings-tick-up-in-second-quarter jdohnert@imfpubs.com In the second quarter of 2026, Intercontinental Exchange generated its best earnings from its mortgage technology segment since 2022. ICE is optimistic that its AI tools will drive future revenue. http://www.insidemortgagefinance.com/articles/238201 Fri, 07 Aug 2026 11:49:12 -0400 https://www.insidemortgagefinance.com/articles/238201-ice-boosts-mortgage-earnings-to-highest-levels-since-2022 bivey@imfpubs.com Daniel Lewis, the new interim CEO of Better Home & Finance, wants the company to focus on “very select ideas that have a demonstrated product market fit.” http://www.insidemortgagefinance.com/articles/238212 Fri, 07 Aug 2026 11:44:20 -0400 https://www.insidemortgagefinance.com/articles/238212-better-shifts-from-founder-mode-to-enterprise-focus jdohnert@imfpubs.com Pending changes to bank capital requirements are unlikely to move depositories further into the mortgage lending space but could provide some additional flexibility to banks moving forward, according to Kroll Bond Rating Agency. http://www.insidemortgagefinance.com/articles/238077 Fri, 24 Jul 2026 12:30:50 -0400 https://www.insidemortgagefinance.com/articles/238077-capital-requirement-changes-not-enough-to-boost-banks-mortgage-business dhollier@imfpubs.com An Urban Institute study shows that the internal rate of return of a downpayment on a home often exceeds that of a diversified stock portfolio, especially in low-growth real estate markets. http://www.insidemortgagefinance.com/articles/238058 Fri, 24 Jul 2026 12:20:59 -0400 https://www.insidemortgagefinance.com/articles/238058-numbers-justify-use-of-retirement-funds-for-down-payments dhollier@imfpubs.com In a random sample of mortgages, the most common significant defect was misrepresentation of occupancy. In a targeted sample, it was undisclosed liabilities. http://www.insidemortgagefinance.com/articles/237932 Fri, 10 Jul 2026 12:04:32 -0400 https://www.insidemortgagefinance.com/articles/237932-fannie-tallies-top-10-significant-loan-defects 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 jbancroft@imfpubs.com Most of the overall increase in nonbank mortgage-banking income in the first quarter of 2026 came from Rithm Capital, which saw a big improvement on the servicing side. (Includes data table.) http://www.insidemortgagefinance.com/articles/237463 Fri, 15 May 2026 14:10:03 -0400 https://www.insidemortgagefinance.com/articles/237463-nonbanks-see-rebound-in-mortgage-banking-income 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 jbancroft@imfpubs.com While new production volume was generally sluggish in the first quarter of this year, several banks reported higher gain-on-sale margins and better MSR hedging results. (Includes data table.) http://www.insidemortgagefinance.com/articles/237333 Fri, 01 May 2026 13:59:09 -0400 https://www.insidemortgagefinance.com/articles/237333-banks-report-slight-drop-in-mortgage-banking-income jbancroft@imfpubs.com Most nonbanks reported bigger gains in lending volume in the fourth quarter of 2025 than in production income. MSR valuations continued to drive servicing income lower. (Includes data table.) http://www.insidemortgagefinance.com/articles/236815 Fri, 06 Mar 2026 12:24:20 -0500 https://www.insidemortgagefinance.com/articles/236815-nonbank-earnings-slip-in-4q25-fail-to-match-2024 bivey@imfpubs.com The lender’s gain-on-sale margin increased from 1.14% in the third quarter to 1.50% in the fourth quarter, with a rise in originations to boot. Leaders at the company cautioned that some lenders are gaining market share at the expense of earnings. http://www.insidemortgagefinance.com/articles/236861 Fri, 06 Mar 2026 12:20:21 -0500 https://www.insidemortgagefinance.com/articles/236861-newrez-increases-margins-originations-in-fourth-quarter bivey@imfpubs.com When excluding a one-time jump in Capital One’s earnings, mortgage-banking earnings at banks and thrifts declined by 2.9% during the fourth quarter of 2025. Still, earnings for the full year improved compared with 2024. (Includes data table.) http://www.insidemortgagefinance.com/articles/236732 Fri, 20 Feb 2026 12:30:31 -0500 https://www.insidemortgagefinance.com/articles/236732-mortgage-banking-earnings-at-banks-level-off-in-4q bivey@imfpubs.com Onity takes $120.0 million deferred tax asset valuation allowance; income/employment defects rise; Sagent launches servicing platform; AI company rescinds link to Intercontinental Exchange. http://www.insidemortgagefinance.com/articles/236737 Fri, 20 Feb 2026 12:18:45 -0500 https://www.insidemortgagefinance.com/articles/236737-grapevine-onity-taps-tax-windfall-loan-defects-increase jbancroft@imfpubs.com Nearly all publicly traded banks reported declining income from mortgage banking in the fourth quarter of 2025. But most of them saw an increase in earnings for the full year. (Includes data table.) http://www.insidemortgagefinance.com/articles/236586 Fri, 06 Feb 2026 12:00:08 -0500 https://www.insidemortgagefinance.com/articles/236586-bank-mb-earnings-slump-in-4q25-despite-higher-volume bivey@imfpubs.com The parent companies of Planet Home Lending and United Wholesale Mortgage were hit with rating moves by Fitch Ratings, which cited an increase in corporate leverage at the companies. http://www.insidemortgagefinance.com/articles/236221 Fri, 19 Dec 2025 12:07:00 -0500 https://www.insidemortgagefinance.com/articles/236221-planet-financial-uwm-facing-some-financial-pressure jdohnert@imfpubs.com The firm urged the Financial Accounting Standards Board to update fair value accounting standards for MSRs so they include recapture metrics. http://www.insidemortgagefinance.com/articles/236216 Fri, 19 Dec 2025 12:02:00 -0500 https://www.insidemortgagefinance.com/articles/236216-more-calls-come-for-fasb-to-update-msr-recapture-accounting bivey@imfpubs.com Banks and thrifts had a combined $2.49 billion of mortgage-banking income in the third quarter. Western Alliance Bank stood out, more than doubling its earnings from the second quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/236214 Fri, 12 Dec 2025 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/236214-bank-mortgage-earnings-up-61-in-third-quarter bivey@imfpubs.com Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO. http://www.insidemortgagefinance.com/articles/236089 Fri, 05 Dec 2025 12:14:13 -0500 https://www.insidemortgagefinance.com/articles/236089-credit-bureaus-have-big-expectations-for-vantagescore dhollier@imfpubs.com Lenders with high adoption rates for tools from Freddie Mac like automated collateral estimator and asset and income modeler have significantly lower per-loan costs and higher per-loan profits, the GSE says. http://www.insidemortgagefinance.com/articles/236053 Fri, 05 Dec 2025 12:12:15 -0500 https://www.insidemortgagefinance.com/articles/236053-freddie-mac-estimates-cost-savings-for-digitized-lenders jbancroft@imfpubs.com Despite lackluster new origination volume in the third quarter, most nonbanks reported solid gains in production-related income. Many of them needed it to offset sharp declines in servicing income. (Includes data table.) http://www.insidemortgagefinance.com/articles/235928 Fri, 21 Nov 2025 12:25:42 -0500 https://www.insidemortgagefinance.com/articles/235928-nonbanks-post-small-drop-in-mortgage-banking-income bivey@imfpubs.com Pennymac asked the Financial Accounting Standards Board to clarify accounting practices involving mortgage servicing rights and recapture assumptions. The effort has support from some major MSR buyers who are looking for a level playing field. http://www.insidemortgagefinance.com/articles/235957 Fri, 21 Nov 2025 12:15:44 -0500 https://www.insidemortgagefinance.com/articles/235957-servicers-supportive-of-pennymac-on-msr-accounting bivey@imfpubs.com After originating HELOCs on its own as a proof-of-concept, Figure Technology Solutions is now largely facilitating originations and loan sales for others, charging fees along the way. The company generated $89.8 million of net income in the third quarter. http://www.insidemortgagefinance.com/articles/235958 Fri, 21 Nov 2025 12:04:00 -0500 https://www.insidemortgagefinance.com/articles/235958-figure-shifting-from-direct-lender-to-platform jbancroft@imfpubs.com Although most of the large banks reported substantial increases in mortgage-banking income, many mid-size institutions struggled in the third quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/235822 Fri, 07 Nov 2025 12:10:04 -0500 https://www.insidemortgagefinance.com/articles/235822-banks-post-solid-3q25-gain-from-mortgage-banking bivey@imfpubs.com Primis Bank, SmartBank, Bank7 and other smaller banks are touting efforts to increase their mortgage lending. Meanwhile, some banks continue to pull back from the sector. http://www.insidemortgagefinance.com/articles/235841 Fri, 07 Nov 2025 12:04:14 -0500 https://www.insidemortgagefinance.com/articles/235841-smaller-banks-making-big-moves-with-mortgages