https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com Industry leaders believe lenders need to work more closely with AI vendors to avoid compliance issues. http://www.insidemortgagefinance.com/articles/237904 Thu, 02 Jul 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237904-ai-causes-rise-in-litigation-for-non-qm-lenders jdohnert@imfpubs.com Only about a third of nonhomeowners can afford a starter home, a new LendingTree survey finds. http://www.insidemortgagefinance.com/articles/237906 Thu, 02 Jul 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237906-short-takes-starter-homes-out-of-reach-foa-closes-on-reverse-msr-deal-housing-payments-rise-publishing-break jdohnert@imfpubs.com AI is gaining momentum as a tool used in the non-qualified mortgage underwriting process, according to executives at non-QM lenders. http://www.insidemortgagefinance.com/articles/237891 Wed, 01 Jul 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237891-ai-use-in-non-qm-underwriting-ramps-up bivey@imfpubs.com Most of the increase in the impairment rate in May was from delinquencies. http://www.insidemortgagefinance.com/articles/237865 Fri, 26 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237865-short-takes-delinquencies-rise-on-securitized-non-qms-the-sunday-factor-in-delinquencies-community-bank-expands-agreement-with-ncrc ewilley@imfpubs.com Matt Jones, FHA single-family housing deputy assistant secretary, indicated the agency believed the rescissions would make the FHA program more accessible to a wide range of lenders. http://www.insidemortgagefinance.com/articles/237827 Wed, 24 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237827-fha-clarifies-mod-requirements-loosens-lending-regulations jdohnert@imfpubs.com Another vote delay adds more uncertainty to the proposed merger between CrossCountry Mortgage and Two Harbor Investments. http://www.insidemortgagefinance.com/articles/237823 Wed, 24 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237823-two-harbors-pushes-back-merger-vote bivey@imfpubs.com Fannie increased its interest rate projections somewhat in the latest monthly forecast from the GSE. http://www.insidemortgagefinance.com/articles/237812 Tue, 23 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237812-economists-at-mba-fannie-closer-to-alignment-on-rate-forecasts bivey@imfpubs.com Demographic shifts are expected to lead housing supply to surpass demand in the coming years. http://www.insidemortgagefinance.com/articles/237813 Tue, 23 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237813-mba-warns-of-potential-for-home-price-depreciation jdohnert@imfpubs.com Ahead of a shareholder vote, the Two Harbors board of directors has reaffirmed its positive stance on CrossCountry's proposed merger. http://www.insidemortgagefinance.com/articles/237806 Mon, 22 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237806-two-harbors-to-move-forward-with-merger-vote jdohnert@imfpubs.com The portfolio, with a $555 million unpaid principal balance, is being sold by an unidentified nonbank. http://www.insidemortgagefinance.com/articles/237809 Mon, 22 Jun 2026 11:55:01 -0400 https://www.insidemortgagefinance.com/articles/237809-short-takes-agency-msrs-on-offer-kbra-rates-planet-financial-housing-payments-hit-one-year-high-seller-concessions-reach-high-in-may bivey@imfpubs.com Ginnie Mae’s share of total residential servicing outstanding increased to 18.5% as of the end of March. http://www.insidemortgagefinance.com/articles/237799 Thu, 18 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237799-ginnie-gains-more-servicing-share-during-first-quarter bivey@imfpubs.com “Mortgage lenders benefited from multiple refinance rallies over the last nine months, but we don’t expect another in 2026,” said Eric Orenstein, a senior director at Fitch Ratings. http://www.insidemortgagefinance.com/articles/237800 Thu, 18 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237800-feds-warsh-unlikely-to-drive-down-interest-rates-on-mortgages bivey@imfpubs.com During a press conference Wednesday, Fed Chair Kevin Warsh suggested that he will wait to see recommendations from the new task forces before making any major changes at the Fed. http://www.insidemortgagefinance.com/articles/237802 Thu, 18 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237802-short-takes-warsh-establishes-task-forces-pending-home-sales-increase-chase-sending-gse-eligible-mortgages-to-non-agency-mbs-uwm-offering-doctor-loans-publication-break bivey@imfpubs.com Rocket Mortgage and Cenlar remained the largest subservicers — by far, as of the end of March, though the firms ranked third and fourth gained some ground during the first quarter of 2026. http://www.insidemortgagefinance.com/articles/237782 Wed, 17 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237782-subservicing-volume-up-at-loancare-servicemac jbancroft@imfpubs.com An analysis of earnings reports from 18 lenders showed combined income from production and secondary market rose to $2.75 billion in the first quarter, a 5.0% increase from the previous period. http://www.insidemortgagefinance.com/articles/237750 Mon, 15 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237750-mortgage-banking-profits-rise-in-1q bivey@imfpubs.com “Two-thirds of mortgage holders compared quotes from multiple lenders during their most recent mortgage-shopping process, but only 54% attempted to negotiate,” according to LendingTree. http://www.insidemortgagefinance.com/articles/237745 Fri, 12 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237745-short-takes-borrowers-advised-to-negotiate-borrowers-ready-to-avoid-people-foreclosures-decline-in-may-rocket-sending-jumbos-to-redwood bivey@imfpubs.com Johnson was deputy director of the CFPB during the first Trump administration. http://www.insidemortgagefinance.com/articles/237722 Thu, 11 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237722-trump-nominates-brian-johnson-for-cfpb-director bivey@imfpubs.com The MBA's white paper, prepared by the law firm of Orrick, Herrington & Sutcliffe, addresses various questions regarding AI usage. http://www.insidemortgagefinance.com/articles/237726 Thu, 11 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237726-short-takes-white-paper-on-ai-regulation-pending-home-sales-decline-annaly-increases-dividend bivey@imfpubs.com “The existing home sales data reflects momentum that was building earlier this spring, when buyers briefly benefited from improved affordability and greater purchasing power,” said Kamini Lane, CEO and president of Coldwell Banker Realty. http://www.insidemortgagefinance.com/articles/237708 Wed, 10 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237708-short-takes-sales-of-existing-homes-increase-pultes-dual-role-starts-next-week-pennymac-adds-ai-specialist-to-board-ai-servicing-metric jdohnert@imfpubs.com “Regardless of who wins the bid, the consequences of this is market-disrupting for anyone who does not have the capital to build up servicing and/or the technology leadership to take advantage of it,” said Rick Roque, a consultant with Menlo Company. http://www.insidemortgagefinance.com/articles/237690 Tue, 09 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237690-two-harbors-bidding-war-has-implications-for-msr-values bivey@imfpubs.com Some $12.26 million of mortgages originated using VantageScore were included in GSE MBS issued in May. http://www.insidemortgagefinance.com/articles/237691 Tue, 09 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237691-short-takes-vantagescore-loans-trickle-in-to-gse-mbs-rocket-plans-large-debt-offering-concerns-about-concentration-in-non-qm-servicing jdohnert@imfpubs.com The Florida-based bank has agreed to sell its third-party originations channel to Mortgage Forward, part of the Great Lakes Credit Union family. http://www.insidemortgagefinance.com/articles/237686 Mon, 08 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237686-short-takes-first-federal-sells-tpo-channel-trump-keeps-door-open-on-gse-ipo-pulte-dni-appointment-only-temporary jdohnert@imfpubs.com The acquisition is set to add a new revenue stream to Netcapital that is focused on residential mortgage originations and servicing. http://www.insidemortgagefinance.com/articles/237674 Fri, 05 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237674-netcapital-to-acquire-resmac nbhatia@imfpubs.com Eight of the top 10 banks reduced their portfolios on a quarterly basis. http://www.insidemortgagefinance.com/articles/237658 Thu, 04 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237658-banks-decrease-share-of-servicing-for-others jdohnert@imfpubs.com Bill Pulte will remain in his housing roles while serving in the new position. http://www.insidemortgagefinance.com/articles/237630 Tue, 02 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237630-short-takes-pulte-named-acting-director-of-national-intelligence-homebuyers-put-down-smaller-downpayments-ice-launches-mortgage-fraud-monitor-ellington-readies-agency-eligible-mbs jdohnert@imfpubs.com Cotality’s latest National Mortgage Application Fraud Risk Index found that an estimated one in 129 mortgage applications showed indications of fraud in the first quarter. http://www.insidemortgagefinance.com/articles/237622 Mon, 01 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237622-mortgage-fraud-risk-declining jdohnert@imfpubs.com The shareholder vote on a Two Harbors merger with CrossCountry Mortgage was postponed until June 11. http://www.insidemortgagefinance.com/articles/237611 Fri, 29 May 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237611-two-harbors-postpones-merger-vote-for-second-time ewilley@imfpubs.com The re-proposal would improve banks’ return on capital, said John Sim, a managing director at JPMorgan Chase. http://www.insidemortgagefinance.com/articles/237584 Wed, 27 May 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237584-bank-capital-revisions-expected-to-provide-modest-boost bivey@imfpubs.com Homesellers are refusing to offer steep discounts. http://www.insidemortgagefinance.com/articles/237585 Wed, 27 May 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237585-short-takes-stand-off-on-home-prices-non-qm-delinquencies-bounce-up-rate-drops-title-insurance-for-some-refis bivey@imfpubs.com Delinquency rates on mortgages with debt-to-income ratios above 43% are only slightly higher than delinquency rates on mortgages overall, according to a new analysis by Moody’s Ratings. http://www.insidemortgagefinance.com/articles/237566 Tue, 26 May 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237566-higher-dti-ratio-borrowers-still-performing-well