https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com The retail channel accounted for 53.7% of originations in the second quarter. http://www.insidemortgagefinance.com/articles/238521 Fri, 11 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238521-retail-channels-share-of-originations-increases-in-2q ewilley@imfpubs.com FHA plans to begin accepting VantageScore 4.0 and FICO 10T credit scoring models on Jan. 1. http://www.insidemortgagefinance.com/articles/238522 Fri, 11 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238522-fha-to-allow-vs4-fico-10t-at-beginning-of-2027 dhollier@imfpubs.com The trade group seeks industry comment on a plan to centralize data on the loans collateralizing both agency mortgage-backed securities and non-agency MBS. http://www.insidemortgagefinance.com/articles/238476 Fri, 11 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238476-hpc-calls-for-mortgage-data-repository bivey@imfpubs.com “Next week’s [Fed] meeting will be key, as the inflation and economic outlook will help shape the path of rates and homebuyer demand,” said Bob Broeksmit, president and CEO of the Mortgage Bankers Association. http://www.insidemortgagefinance.com/articles/238523 Fri, 11 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238523-interest-rates-hit-another-high-for-the-year bivey@imfpubs.com CrossCountry Mortgage and Rocket Mortgage raised the loan limit they'll accept for conforming mortgages by 1.5% ahead of an anticipated increase in conforming loan limits in the new year. http://www.insidemortgagefinance.com/articles/238524 Fri, 11 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238524-short-takes-lenders-increase-their-conforming-loan-limits-listings-of-homes-outpacing-sales-greenberg-staying-a-little-longer-at-two-harbors-redwood-upsizes-debt-offering dhollier@imfpubs.com Fannie Mae and Freddie Mac are essentially subtracting 20 points from a VS4 score, then applying the Classic FICO LLPAs to the loan. http://www.insidemortgagefinance.com/articles/238500 Thu, 10 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238500-gses-set-llpas-for-vantagescore bivey@imfpubs.com Repurchases increased by 16.5% from the first quarter. http://www.insidemortgagefinance.com/articles/238501 Thu, 10 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238501-mortgage-repurchases-by-banks-increase-in-2q bivey@imfpubs.com It’s the first jumbo MBS to top $1.0 billion since 2022. http://www.insidemortgagefinance.com/articles/238502 Thu, 10 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238502-chase-marketing-large-jumbo-mbs bivey@imfpubs.com "The last two weeks of August were among the worst we have seen for housing in years," said Kaz Nejatian, CEO of Opendoor. http://www.insidemortgagefinance.com/articles/238503 Thu, 10 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238503-opendoor-moves-back-break-even-date-amid-tough-market bivey@imfpubs.com The GSEs will disclose scores from FICO and VantageScore for their mortgage-backed securities, credit risk transfer transactions and other securitization activity. http://www.insidemortgagefinance.com/articles/238504 Thu, 10 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238504-short-takes-gses-to-disclose-2-credit-scores-uwms-latest-pricing-incentives-no-downgrades-of-expanded-credit-mbs-wealthfront-plans-lending-expansion dhollier@imfpubs.com PNC Bank, now the top FHLBank borrower, ended the second quarter with $40.42 billion in outstanding advances, more than doubling its total from the end of March. http://www.insidemortgagefinance.com/articles/238482 Wed, 09 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238482-banks-increase-fhlbank-advance-usage-in-2q bivey@imfpubs.com Since Aug. 21, three issuers of expanded-credit MBS have offered deals individually sized at larger than $1.0 billion. http://www.insidemortgagefinance.com/articles/238483 Wed, 09 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238483-verus-latest-issuer-with-large-expanded-credit-mbs-offering sclark@imfpubs.com Former CFPB Director Kathy Kraninger said a new bill from Republicans in the House will “protect consumers while providing certainty that is necessary for responsible institutions to serve their customers and innovate.” http://www.insidemortgagefinance.com/articles/238484 Wed, 09 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238484-industry-trade-groups-support-republican-effort-to-reform-cfpb bivey@imfpubs.com Freddie Mac, meanwhile, hasn’t offered a single-family CRT deal since May. http://www.insidemortgagefinance.com/articles/238485 Wed, 09 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238485-fannie-back-quickly-with-crt-offering-following-august-issuance bivey@imfpubs.com Some 1.5 million homes were listed for sale as of the end of August. http://www.insidemortgagefinance.com/articles/238486 Wed, 09 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238486-short-takes-number-of-homes-for-sale-up-to-2020-level-ginnie-msrs-on-offer-mct-hires-piercy-angelai-receives-100-million-investment bivey@imfpubs.com The effort aims to “address crucial workplace and mission needs by eliminating redundancies, streamlining and increasing flexibility in work processes and consolidating administrative functions.” http://www.insidemortgagefinance.com/articles/238471 Tue, 08 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238471-hud-office-reorganization-plan-withdrawn-after-brief-publication dhollier@imfpubs.com The firing of 10 senior executives at the government-sponsored enterprise in August rattled leaders and staffers. http://www.insidemortgagefinance.com/articles/238472 Tue, 08 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238472-employee-morale-takes-hit-at-fannie-mae-following-layoffs bivey@imfpubs.com Among the 333 banks and thrifts that report mortgage-banking income on call reports, income declined by 6.1% on an annual basis in the first half of 2026. http://www.insidemortgagefinance.com/articles/238473 Tue, 08 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238473-banks-mortgage-earnings-decline-in-first-half-of-2026 bivey@imfpubs.com The decline was driven by refis, as locks for purchase mortgages increased by 6%. http://www.insidemortgagefinance.com/articles/238474 Tue, 08 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238474-locks-for-mortgages-down-3-on-annual-basis-in-august bivey@imfpubs.com Opendoor is now offering purchase mortgages in 21 states and Washington, DC. http://www.insidemortgagefinance.com/articles/238475 Tue, 08 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238475-short-takes-opendoor-expands-purchase-mortgage-effort-better-having-trouble-attracting-ceo-candidates-new-ceo-at-nexa bivey@imfpubs.com FHFA Director Bill Pulte cited massive price hikes on FICO scores in recent years as the reason for making VS4 widely available through the GSEs. http://www.insidemortgagefinance.com/articles/238465 Fri, 04 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238465-pulte-orders-vs4-rollout-considers-bi-merge-for-gses bivey@imfpubs.com The deal is being issued with Redwood’s Sequoia shelf name and continues the numbering convention seen with prior issuance from Redwood. http://www.insidemortgagefinance.com/articles/238462 Fri, 04 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238462-castlelake-and-redwood-bring-first-joint-jumbo-mbs bivey@imfpubs.com “Market sentiment was leaning toward a rate hike at the next Fed meeting, but this could give the Fed pause in hiking rates as they look to convene this month,” said Cody Echols, a capital markets technology advisor at Mortgage Capital Trading. http://www.insidemortgagefinance.com/articles/238466 Fri, 04 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238466-pending-inflation-reading-key-for-rates-with-jobs-market-resilient nbhatia@imfpubs.com Some of the largest bank investors in MBS reduced their holdings of agency MBS during the second quarter. http://www.insidemortgagefinance.com/articles/238463 Fri, 04 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238463-bank-holdings-of-residential-mbs-tick-up-in-2q bivey@imfpubs.com FHFA director Bill Pulte expressed frustration that the credit bureaus haven’t sufficiently engaged in reform talks with FHFA, accusing them of “cartel-like” behavior. http://www.insidemortgagefinance.com/articles/238464 Fri, 04 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238464-short-takes-pulte-frustrated-by-credit-bureaus-interest-rates-rise-to-highest-level-thus-far-in-2026-better-rejects-gargs-turnaround-plan dhollier@imfpubs.com Although investors would own just one listed security, Fannie and Freddie “could maintain separate underwriting, pricing, credit and customer service decisions,” according to Jon Oksenholt, the eponymous founder of Oksenholt Capital Management. http://www.insidemortgagefinance.com/articles/238442 Thu, 03 Sep 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238442-oksenholt-defends-single-holding-company-for-gses-tech azimmardi@imfpubs.com Jumbo servicing declined during the second quarter at Bank of America, Chase and Wells Fargo. http://www.insidemortgagefinance.com/articles/238443 Thu, 03 Sep 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238443-large-servicers-see-reduction-in-jumbo-portfolios-in-2q dhollier@imfpubs.com Private MIs are fully prepared for the credit score transition at the GSEs, according to Seth Appleton, president of U.S. Mortgage Insurers. http://www.insidemortgagefinance.com/articles/238445 Thu, 03 Sep 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238445-private-mortgage-insurance-companies-set-for-vantagescore-usage bivey@imfpubs.com Vishal Garg issued a press release Wednesday, calling himself the “true” CEO of Better Home and Finance. http://www.insidemortgagefinance.com/articles/238444 Thu, 03 Sep 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/238444-garg-claims-to-be-true-ceo-of-better bivey@imfpubs.com After getting close to 4.80% Tuesday, the 10-year Treasury rate declined somewhat Wednesday. http://www.insidemortgagefinance.com/articles/238446 Thu, 03 Sep 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/238446-short-takes-10-year-treasury-rate-down-from-recent-peak-more-supply-than-demand-with-homes-for-sale-trump-admin-moves-a-little-faster-on-housing-trust-fund