https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com FHA loss-mitigation removals more than doubled from $1.86 billion in the first quarter to $4.74 billion. http://www.insidemortgagefinance.com/articles/238175 Wed, 05 Aug 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238175-loss-mit-removals-of-fha-loans-from-mbs-increase-in-2q ewilley@imfpubs.com Delinquencies initially rose when FHA implemented changes to its loss-mitigation waterfall in October, installing trial payment plans that keep delinquent loans pooled for three months, generally, before the servicer can buy the loan out for a modification. http://www.insidemortgagefinance.com/articles/238160 Mon, 03 Aug 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238160-declining-dqs-show-signs-of-stabilization-for-fha-market bivey@imfpubs.com In the first half of 2026, $120.88 billion of GSE purchase mortgages with private MI was securitized, a 4.5% increase from the first half of 2025. http://www.insidemortgagefinance.com/articles/238089 Fri, 24 Jul 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238089-primary-mi-volume-up-somewhat-in-first-half-of-2026 ewilley@imfpubs.com The nonbank increased its Ginnie servicing portfolio by $15.70 billion during the quarter, including $14.35 billion in FHA servicing. http://www.insidemortgagefinance.com/articles/238041 Tue, 21 Jul 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238041-bayview-creates-some-distance-from-other-top-ginnie-servicers ewilley@imfpubs.com In late April, Ginnie announced that it would exclude FHA mortgages on trial payment plans when calculating servicers’ delinquency ratios for compliance purposes. http://www.insidemortgagefinance.com/articles/238028 Fri, 17 Jul 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/238028-ginnie-lenient-with-va-delinquencies-as-well bivey@imfpubs.com Primary MI volume in the agency MBS market increased at a faster pace at FHA and VA in the second quarter of 2026 compared with private MI usage with the GSEs. http://www.insidemortgagefinance.com/articles/238011 Thu, 16 Jul 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/238011-fha-va-drive-up-primary-mi-volume-in-second-quarter ewilley@imfpubs.com The first-quarter tally was the highest quarterly issuance total for Ginnie since the fourth quarter of 2021. http://www.insidemortgagefinance.com/articles/237949 Thu, 09 Jul 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237949-purchase-mortgages-drive-up-ginnie-issuance-in-second-quarter bivey@imfpubs.com The sharpest increase in the use of securitization was in the expanded-credit mortgage market. http://www.insidemortgagefinance.com/articles/237936 Wed, 08 Jul 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/237936-mortgage-securitization-rate-increases-in-first-quarter ewilley@imfpubs.com CHLA suggested the facility be modeled after the pass-through assistance program Ginnie launched in 2020 to support servicers facing liquidity shortfalls due to pandemic-related borrower forbearances. http://www.insidemortgagefinance.com/articles/237915 Mon, 06 Jul 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237915-chla-renews-push-for-ginnie-servicers-backstop 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 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 ewilley@imfpubs.com The decline in issuance was driven by refinances, with refi volume off 16.8% on a monthly basis. http://www.insidemortgagefinance.com/articles/237723 Thu, 11 Jun 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237723-ginnie-issuance-ticks-down-in-may jbancroft@imfpubs.com The agencies securitized $30.31 billion of rate-term refis in May, a 32.6% decline from April. http://www.insidemortgagefinance.com/articles/237687 Tue, 09 Jun 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237687-refis-drag-down-agency-mbs-issuance-in-may bivey@imfpubs.com “There’s a tremendous economic incentive to adopt VantageScore, it’s just gonna take some time to work it through,” said Chris Cartwright, CEO of TransUnion. http://www.insidemortgagefinance.com/articles/237602 Thu, 28 May 2026 11:55:00 -0400 https://www.insidemortgagefinance.com/articles/237602-short-takes-widespread-vantagescore-adoption-unlikely-this-year-pending-home-sales-decline-pennymac-offers-ginnie-msr-securitization-mortgage-usage-increases-for-home-purchases ewilley@imfpubs.com The lender saves 5 basis points per loan on average using eNotes. http://www.insidemortgagefinance.com/articles/237521 Wed, 20 May 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237521-veterans-united-hits-50-enote-adoption jbancroft@imfpubs.com April issuance was the highest monthly total since June 2022, when the market was coming down from the euphoria of the COVID-19 rally. http://www.insidemortgagefinance.com/articles/237444 Tue, 12 May 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237444-agency-mbs-issuance-soars-in-april-prior-to-lending-disruption ewilley@imfpubs.com Bayview handled a $436.71 billion Ginnie portfolio as of the end of March, up 1.5% from the end of 2025. http://www.insidemortgagefinance.com/articles/237314 Tue, 28 Apr 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237314-bayview-tops-ginnie-servicers-passing-freedom-in-1q jdohnert@imfpubs.com The temporary change is due to FHA’s 2025 modification to the single-family loss-mitigation waterfall, which included reinstating TPP requirements before certain loss-mitigation options can be approved. http://www.insidemortgagefinance.com/articles/237310 Mon, 27 Apr 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237310-ginnie-temporarily-updates-dq-tracking-policy bivey@imfpubs.com On average, loan-to-value ratios and debt-to-income ratios are much higher for GSE purchase mortgages with private MI compared with loans that don’t carry MI. http://www.insidemortgagefinance.com/articles/237304 Fri, 24 Apr 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237304-gse-purchase-mortgage-volume-with-private-mi-gains-share bivey@imfpubs.com The main difference in 2026 was that later-stage delinquencies increased. http://www.insidemortgagefinance.com/articles/237289 Thu, 23 Apr 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/237289-delinquency-recovery-less-robust-in-first-quarter-of-2026 jbancroft@imfpubs.com Ginnie posted a 1.3% quarterly gain in servicing outstanding to $2.726 trillion at the end of March, not including servicing of home-equity conversion mortgages. http://www.insidemortgagefinance.com/articles/237240 Fri, 17 Apr 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237240-ginnie-drives-growth-in-agency-servicing-in-first-quarter ewilley@imfpubs.com The refi share of Ginnie issuance increased to 43.9% in the first quarter of 2026, the highest since the second quarter of 2021. http://www.insidemortgagefinance.com/articles/237202 Wed, 15 Apr 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237202-ginnie-issuance-declines-in-first-quarter-refis-steady ewilley@imfpubs.com The recent rise in FHA delinquencies appears to be an artificial effect caused by the new trial payment plans borrowers must complete before loans can be modified, according to research by the Center for Responsible Lending. http://www.insidemortgagefinance.com/articles/237185 Mon, 13 Apr 2026 11:57:00 -0400 https://www.insidemortgagefinance.com/articles/237185-loss-mitigation-changes-blamed-for-rise-in-fha-dqs bivey@imfpubs.com Some $2.71 trillion of Ginnie servicing was outstanding as of the end of 2025, up 6.8% from 2024. http://www.insidemortgagefinance.com/articles/237002 Fri, 20 Mar 2026 11:59:00 -0400 https://www.insidemortgagefinance.com/articles/237002-ginnie-loans-help-drive-up-servicing-balances-in-2025 ewilley@imfpubs.com The $87.67 billion of removals were largely tied to borrower payoffs. http://www.insidemortgagefinance.com/articles/236980 Thu, 19 Mar 2026 11:56:00 -0400 https://www.insidemortgagefinance.com/articles/236980-withdrawals-from-ginnie-mbs-spike-in-fourth-quarter ewilley@imfpubs.com Gormley said Ginnie Mae is working with the Mortgage Bankers Association and the Housing Policy Council on the effort. http://www.insidemortgagefinance.com/articles/236806 Fri, 27 Feb 2026 11:57:00 -0500 https://www.insidemortgagefinance.com/articles/236806-ginnie-working-on-changes-to-acknowledgment-agreements ewilley@imfpubs.com Issuance of Ginnie Mae mortgage-backed securities increased by 3.5% on a monthly basis in January. http://www.insidemortgagefinance.com/articles/236720 Thu, 19 Feb 2026 11:58:00 -0500 https://www.insidemortgagefinance.com/articles/236720-ginnie-issuance-climbs-slightly-in-january bivey@imfpubs.com The agencies agreed to implement four recommendations from the Government Accountability Office. http://www.insidemortgagefinance.com/articles/236647 Wed, 11 Feb 2026 11:56:00 -0500 https://www.insidemortgagefinance.com/articles/236647-fhfa-ginnie-to-increase-oversight-of-nonbank-servicers ewilley@imfpubs.com The total FHA delinquency rate hit 11.86%, the third-highest reading in the past decade. http://www.insidemortgagefinance.com/articles/236549 Mon, 02 Feb 2026 11:59:00 -0500 https://www.insidemortgagefinance.com/articles/236549-loss-mitigation-policy-changes-drive-rise-in-fha-dqs ewilley@imfpubs.com VA refi issuance was the highest since the fourth quarter of 2021. http://www.insidemortgagefinance.com/articles/236441 Wed, 21 Jan 2026 11:58:00 -0500 https://www.insidemortgagefinance.com/articles/236441-refis-drive-ginnie-mbs-issuance-up-in-fourth-quarter