https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com Zillow Home Loans originated $2.2 billion of mortgages in the second quarter of 2026, nearly double its originations from the same quarter last year. http://www.insidemortgagefinance.com/articles/238209 Fri, 07 Aug 2026 11:48:13 -0400 https://www.insidemortgagefinance.com/articles/238209-zillow-charts-expansion-of-mortgage-business 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 The new housing law’s restriction on large institutional investors’ ability to purchase single-family homes could boost demand for investment-property mortgages from mom-and-pop investors. http://www.insidemortgagefinance.com/articles/238205 Fri, 07 Aug 2026 11:43:22 -0400 https://www.insidemortgagefinance.com/articles/238205-mom-and-pop-investors-could-receive-boost-from-housing-bill 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 jdohnert@imfpubs.com Lenders are innovating their product offerings to meet the growing demand for non-qualified mortgages. http://www.insidemortgagefinance.com/articles/237910 Fri, 10 Jul 2026 12:10:22 -0400 https://www.insidemortgagefinance.com/articles/237910-product-innovation-key-for-growing-non-qm-market 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 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 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 jdohnert@imfpubs.com loanDepot will launch a new white-label home equity line of credit product powered by Figure that can provide homeowners an equity payout in as little as five days. http://www.insidemortgagefinance.com/articles/237232 Fri, 17 Apr 2026 12:10:16 -0400 https://www.insidemortgagefinance.com/articles/237232-figure-loandepot-team-for-heloc-partnership jdohnert@imfpubs.com The rise in home equity lending by nonbanks is driving increased use of artificial intelligence in the appraisal process. http://www.insidemortgagefinance.com/articles/237221 Fri, 17 Apr 2026 12:09:18 -0400 https://www.insidemortgagefinance.com/articles/237221-home-equity-lending-driving-ai-use-for-appraisals ewilley@imfpubs.com Bank mortgage sales and originations rose in the fourth quarter to levels last seen in 2022. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237088 Fri, 03 Apr 2026 11:04:24 -0400 https://www.insidemortgagefinance.com/articles/237088-bank-sales-of-mortgages-rise-to-2022-level jbancroft@imfpubs.com Earnings reports from public companies showed gains in production-related and servicing income during the fourth quarter, but the broader MBA performance study found declines on both sides of the business. (Includes data tables.) http://www.insidemortgagefinance.com/articles/236975 Fri, 20 Mar 2026 13:00:30 -0400 https://www.insidemortgagefinance.com/articles/236975-production-vs-servicing-results-mixed-in-4q25 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 FASB looking at held-to-maturity hedging; NAIC proposes looser risk-based capital standard for mortgages held by life insurance companies; Better turns to new source of financing; Oregon bank to stop offering mortgages. http://www.insidemortgagefinance.com/articles/236863 Fri, 06 Mar 2026 12:12:31 -0500 https://www.insidemortgagefinance.com/articles/236863-grapevine-fasb-considering-accounting-change-naic-capital-proposal jdohnert@imfpubs.com Mortgage executives believe reverse-mortgage products are a valuable tool to boost originations as the average age of homeowners is increasing and more seniors are looking for ways to take advantage of the equity in their homes. http://www.insidemortgagefinance.com/articles/236731 Fri, 20 Feb 2026 12:22:38 -0500 https://www.insidemortgagefinance.com/articles/236731-lenders-encouraged-to-consider-reverse-mortgages-to-boost-originations 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 jdohnert@imfpubs.com Experts believe lenders will leverage new technologies to improve the customer experience. http://www.insidemortgagefinance.com/articles/236600 Fri, 06 Feb 2026 11:56:13 -0500 https://www.insidemortgagefinance.com/articles/236600-lenders-increasing-leveraging-data-intelligent-for-retention dhollier@imfpubs.com Researchers at the FRB of Richmond demonstrate how banks that gain local market share by acquiring an existing bank are likely to decrease FHA lending even while increasing conventional lending. http://www.insidemortgagefinance.com/articles/236589 Fri, 06 Feb 2026 11:51:24 -0500 https://www.insidemortgagefinance.com/articles/236589-bank-mergers-and-the-availability-of-mortgage-credit jbancroft@imfpubs.com Gain-on-sale margins improved in the third quarter, helping to offset a decline in net servicing income. (Includes data tables.) http://www.insidemortgagefinance.com/articles/236176 Fri, 19 Dec 2025 12:50:00 -0500 https://www.insidemortgagefinance.com/articles/236176-production-picks-up-slack-as-3q25-servicing-income-fades 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 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 jdohnert@imfpubs.com Sellers are unwilling to budge on price and buyers are waiting for better deals or a shift in market, prompting more delistings. http://www.insidemortgagefinance.com/articles/236084 Fri, 05 Dec 2025 12:07:21 -0500 https://www.insidemortgagefinance.com/articles/236084-buyers-sellers-at-impasse-as-delistings-rise 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 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 jdohnert@imfpubs.com ICE’s lender clients are interested in using AI for document automation and customer engagement. http://www.insidemortgagefinance.com/articles/235840 Fri, 07 Nov 2025 12:01:00 -0500 https://www.insidemortgagefinance.com/articles/235840-ai-boosts-ice-mortgage-segment-revenue jdohnert@imfpubs.com Mortgage lenders are seeking innovation and increased competition for credit reporting as loan origination costs continue to rise. http://www.insidemortgagefinance.com/articles/235721 Fri, 24 Oct 2025 12:08:54 -0400 https://www.insidemortgagefinance.com/articles/235721-mortgage-leaders-call-for-more-competition-in-credit-scoring-models