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 Two class-action lawsuits brought forward last month allege the company is trying to circumvent the Truth in Lending Act by claiming HEIs are not loans. http://www.insidemortgagefinance.com/articles/237905 Thu, 02 Jul 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237905-hometap-hit-with-new-class-action-lawsuits jdohnert@imfpubs.com Figure has closed its first fully prefunded securitization of home equity lines of credit. http://www.insidemortgagefinance.com/articles/237890 Wed, 01 Jul 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237890-figure-hopes-to-start-its-own-tba-market 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 jdohnert@imfpubs.com An affiliate of Bayview Asset Management is marketing a mortgage-backed security of closed-end second-lien mortgages originated by Rocket Mortgage. http://www.insidemortgagefinance.com/articles/237892 Wed, 01 Jul 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237892-bayview-markets-mbs-of-rocket-ces jdohnert@imfpubs.com Hometap is now offering its home equity investment product in five new states: Georgia, Montana, Tennessee, Idaho and Delaware. http://www.insidemortgagefinance.com/articles/237879 Tue, 30 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237879-hometap-charts-major-expansion-of-hei-program jdohnert@imfpubs.com The Supreme Court ruled that the White House cannot remove Federal Reserve Governor Lisa Cook while her court challenge is pending. http://www.insidemortgagefinance.com/articles/237882 Tue, 30 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237882-short-takes-supreme-court-blocks-cook-dismissal-julia-gordon-heads-to-cahl-luxury-home-prices-rising-fast jdohnert@imfpubs.com Borrowers aren't shopping for the best rate. http://www.insidemortgagefinance.com/articles/237874 Mon, 29 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237874-short-takes-homeowners-overpaying-for-mortgage-house-hunters-looking-to-relocate-realpha-launches-flat-fee-lo-comp-model-truss-offers-heloc-for-self-employed-borrowers bivey@imfpubs.com Rocket and a number of other nonbanks have added home equity loans to their product offerings in recent years after refinance activity slowed. http://www.insidemortgagefinance.com/articles/237861 Fri, 26 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237861-rocket-leads-home-equity-lenders-in-1q-a-first-for-a-nonbank bivey@imfpubs.com Acra and BlackRock NQM Investments are jointly issuing the new MBS and BlackRock is retaining risk on the issuance. http://www.insidemortgagefinance.com/articles/237864 Fri, 26 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237864-acra-offering-its-first-expanded-credit-mbs-since-2024 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 azimmardi@imfpubs.com The ARM share of first-lien originations also declined somewhat, as interest rate trends in the first two months of the first quarter made fixed-rate mortgages somewhat more attractive than ARMs. http://www.insidemortgagefinance.com/articles/237843 Thu, 25 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237843-arm-originations-decline-in-first-quarter bivey@imfpubs.com Days after issuing a $1.02 billion expanded-credit MBS, Annaly is marketing a $1.01 billion deal. http://www.insidemortgagefinance.com/articles/237845 Thu, 25 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237845-annaly-quickly-brings-another-large-expanded-credit-mbs bivey@imfpubs.com Sales of new homes declined on monthly and annual bases in May. http://www.insidemortgagefinance.com/articles/237847 Thu, 25 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237847-short-takes-sales-of-new-homes-decline-heloc-lender-raises-capital-big-banks-pass-stress-test-with-major-home-price-depreciation jbancroft@imfpubs.com A total of $545.80 billion of non-agency MBS backed by single-family mortgages was outstanding at the end of March. http://www.insidemortgagefinance.com/articles/237826 Wed, 24 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237826-non-agency-share-of-mbs-outstanding-up-in-first-quarter bivey@imfpubs.com H.R. 6644, the 21st Century ROAD to Housing Act, is being hailed as the most significant housing legislation from Congress in three decades. http://www.insidemortgagefinance.com/articles/237828 Wed, 24 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237828-short-takes-housing-bill-headed-to-trump-fannie-to-expand-title-insurance-skipping-pilot-angel-oak-shifts-mbs-strategy-income-declines-at-kb-home azimmardi@imfpubs.com Annaly was the top producer of nonconforming loans through the correspondent channel among the survey group, increasing its production by 9.9% to $5.08 billion. http://www.insidemortgagefinance.com/articles/237805 Mon, 22 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237805-correspondents-increase-share-of-nonconforming-production jdohnert@imfpubs.com New investors include firms in Asia and Europe. http://www.insidemortgagefinance.com/articles/237801 Thu, 18 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237801-new-investors-entering-market-for-non-agency-mbs 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 jdohnert@imfpubs.com Recent changes by the NAIC and worsening conditions in the commercial real estate market have led insurance companies to devote more capital to non-QMs. http://www.insidemortgagefinance.com/articles/237780 Wed, 17 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237780-insurers-flock-to-non-qm jdohnert@imfpubs.com Non-QM investors prefer disciplined originators, instead of lenders who scale quickly even if it causes additional risk. http://www.insidemortgagefinance.com/articles/237760 Tue, 16 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237760-investors-warn-against-widening-of-non-qm-credit-box bivey@imfpubs.com Rocket Companies is marketing a $706.0 million securitization of closed-end second liens. http://www.insidemortgagefinance.com/articles/237766 Tue, 16 Jun 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237766-short-takes-large-ces-securitization-from-rocket-wells-and-3d-printed-homes-namb-calls-for-delay-of-gse-condo-changes-pennymac-using-aws-ai-for-originations-servicing bivey@imfpubs.com Loans with balances above the baseline conforming loan limit accounted for 16.4% of total originations in the first quarter of 2026. http://www.insidemortgagefinance.com/articles/237741 Fri, 12 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237741-jumbo-mortgage-gaining-share-in-originations bivey@imfpubs.com The planned $1.02 billion deal is the largest offering in the sector thus far this year and one of the largest since the establishment of non-qualified mortgages. http://www.insidemortgagefinance.com/articles/237742 Fri, 12 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237742-annaly-brings-exceptionally-large-expanded-credit-mbs bivey@imfpubs.com “The flatter yield curve is burning a hole in a lot of people’s pockets,” sai Alan Qureshi, president of Black Lake Investments. http://www.insidemortgagefinance.com/articles/237743 Fri, 12 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237743-non-agency-mbs-investors-showing-insatiable-demand 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 Spring EQ is a longtime player in the home equity loan market, but the firm is rarely the sole contributor to a securitization. http://www.insidemortgagefinance.com/articles/237724 Thu, 11 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237724-spring-eq-fills-ces-securitization-from-cerberus bivey@imfpubs.com Kiavi originated more than $7.0 billion of loans in 2025, with a focus on short-term residential transition loans along with mortgages underwritten using debt service coverage ratios. http://www.insidemortgagefinance.com/articles/237703 Wed, 10 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237703-figure-and-sixth-street-to-acquire-non-agency-lender-kiavi azimmardi@imfpubs.com Lenders denied 12.1% of applications for jumbo mortgages in 2025. http://www.insidemortgagefinance.com/articles/237704 Wed, 10 Jun 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237704-denial-rates-on-jumbo-mortgages-decline-in-2025 bivey@imfpubs.com Deal sizes have increased with each issuance, growing from $234.5 million for the first deal from Figure, in August, to $373.3 million with the new issuance. http://www.insidemortgagefinance.com/articles/237706 Wed, 10 Jun 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237706-figure-ramping-up-securitization-of-first-lien-helocs