FHA

Ginnie Lenient With VA Delinquencies as Well

ewilley@imfpubs.com — Fri, 17 Jul 2026 11:57:00 -0400

In late April, Ginnie announced that it would exclude FHA mortgages on trial payment plans when calculating servicers’ delinquency ratios for compliance purposes.

FHA, VA Drive Up Primary MI Volume in Second Quarter

bivey@imfpubs.com — Thu, 16 Jul 2026 11:59:00 -0400

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.

M&T Adds Subservicing for Bayview

bivey@imfpubs.com — Thu, 16 Jul 2026 11:56:00 -0400

M&T Bank says it has been adding capacity to its subservicing operations in anticipation of increasing volume.

Purchase Mortgages Drive Up Ginnie Issuance in Second Quarter

ewilley@imfpubs.com — Thu, 09 Jul 2026 11:59:00 -0400

The first-quarter tally was the highest quarterly issuance total for Ginnie since the fourth quarter of 2021.

Mortgage Securitization Rate Increases in First Quarter

bivey@imfpubs.com — Wed, 08 Jul 2026 11:56:00 -0400

The sharpest increase in the use of securitization was in the expanded-credit mortgage market.

Cassidy Returns to Walker & Dunlop After FHA Stint

bivey@imfpubs.com — Tue, 07 Jul 2026 11:57:00 -0400

“I understand how the Department of Housing and Urban Development and FHA operate behind the scenes, how decisions are made, and what it takes to successfully close complex financing transactions from both sides of the table,” Frank Cassidy wrote on Linkedin.

Non-Agency Share of MBS Outstanding Up in First Quarter

jbancroft@imfpubs.com — Wed, 24 Jun 2026 11:59:00 -0400

A total of $545.80 billion of non-agency MBS backed by single-family mortgages was outstanding at the end of March.

FHA Clarifies Mod Requirements, Loosens Lending Regulations

ewilley@imfpubs.com — Wed, 24 Jun 2026 11:58:00 -0400

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.

HECM Originations Increase Slightly in First Quarter

ewilley@imfpubs.com — Tue, 23 Jun 2026 11:56:00 -0400

Mutual of Omaha Mortgage and Finance of America Mortgage, the top two lenders in the sector, lost some market share in the first quarter.

Ginnie Gains More Servicing Share During First Quarter

bivey@imfpubs.com — Thu, 18 Jun 2026 11:59:00 -0400

Ginnie Mae’s share of total residential servicing outstanding increased to 18.5% as of the end of March.

Jumbo Mortgages Gaining Share in Originations

bivey@imfpubs.com — Fri, 12 Jun 2026 11:59:00 -0400

Loans with balances above the baseline conforming loan limit accounted for 16.4% of total originations in the first quarter of 2026.

Ginnie Issuance Ticks Down in May

ewilley@imfpubs.com — Thu, 11 Jun 2026 11:57:00 -0400

The decline in issuance was driven by refinances, with refi volume off 16.8% on a monthly basis.

Refis Drag Down Agency MBS Issuance in May

jbancroft@imfpubs.com — Tue, 09 Jun 2026 11:59:00 -0400

The agencies securitized $30.31 billion of rate-term refis in May, a 32.6% decline from April.

FHA Seeks Feedback on Property Requirements

ewilley@imfpubs.com — Fri, 29 May 2026 11:56:00 -0400

FHA published a request for information seeking ways to ease its minimum property requirements.

FHA, VA Lending Down in First Quarter

bivey@imfpubs.com — Tue, 26 May 2026 11:59:00 -0400

Overall, refinance business was down compared with the fourth quarter of 2025, though FHA refi volume increased by 6.1% due to FHA-to-FHA refi activity.

FHA Still Working on Details for VantageScore, FICO 10T

bivey@imfpubs.com — Fri, 22 May 2026 11:58:00 -0400

“Implementation dates and additional guidance will be announced later this year,” FHA said.

FHA Proposes Denying Loans Due to Delinquent Child Support

bivey@imfpubs.com — Wed, 20 May 2026 11:56:00 -0400

FHA noted that federal law prohibits providing federal financial assistance to individuals with delinquent child support.

FHA Plans De-Regulation to Address Origination Costs

ewilley@imfpubs.com — Tue, 19 May 2026 11:59:00 -0400

FHA expects to rescind a suite of policies next month as a continuation of its deregulatory approach to tackling affordability, said FHA Deputy Assistant Secretary for Single-Family Housing Matt Jones.

Delinquencies on the Rise to Start 2026

jdohnert@imfpubs.com — Fri, 15 May 2026 11:58:00 -0400

The spread between conventional loans and FHA and VA loans last quarter were at their widest margins since 2021, according to the Mortgage Bankers Association’s National Delinquency Survey.

Agency MBS Issuance Soars in April, Prior to Lending Disruption

jbancroft@imfpubs.com — Tue, 12 May 2026 11:59:00 -0400

April issuance was the highest monthly total since June 2022, when the market was coming down from the euphoria of the COVID-19 rally.

Low Downpayment Borrowers Struggle to Compete

jdohnert@imfpubs.com — Mon, 11 May 2026 11:57:00 -0400

Some real estate agents are pushing clients away from offers supported by some government-backed mortgage products, industry members say.

Bayview Tops Ginnie Servicers, Passing Freedom in 1Q

ewilley@imfpubs.com — Tue, 28 Apr 2026 11:59:00 -0400

Bayview handled a $436.71 billion Ginnie portfolio as of the end of March, up 1.5% from the end of 2025.

GSE Purchase-Mortgage Volume With Private MI Gains Share

bivey@imfpubs.com — Fri, 24 Apr 2026 11:59:00 -0400

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.

GSEs, FHA Moving Forward With New Credit Scores

dhollier@imfpubs.com — Thu, 23 Apr 2026 11:59:00 -0400

The GSEs will accept VantageScore 4.0 on a pilot basis. FHA will follow at a later date, along with plans for the GSEs and FHA to allow for use of FICO 10T.

Delinquency Recovery Less Robust in First Quarter of 2026

bivey@imfpubs.com — Thu, 23 Apr 2026 11:58:00 -0400

The main difference in 2026 was that later-stage delinquencies increased.

Ginnie Drives Growth in Agency Servicing in First Quarter

jbancroft@imfpubs.com — Fri, 17 Apr 2026 11:59:00 -0400

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.

Ginnie Issuance Declines in First Quarter, Refis Steady

ewilley@imfpubs.com — Wed, 15 Apr 2026 11:59:00 -0400

The refi share of Ginnie issuance increased to 43.9% in the first quarter of 2026, the highest since the second quarter of 2021.

Loss-Mitigation Changes Blamed for Rise in FHA DQs

ewilley@imfpubs.com — Mon, 13 Apr 2026 11:57:00 -0400

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.

Appeals Court Rules in Favor of Lender in Attorney's Fees Dispute

bivey@imfpubs.com — Tue, 07 Apr 2026 11:58:00 -0400

Academy Mortgage won an appeal in a case involving attorney's fees associated with a lawsuit filed under the False Claims Act.

HECM Endorsements Increase Slightly in 2025

ewilley@imfpubs.com — Fri, 03 Apr 2026 11:58:00 -0400

Endorsements of FHA home equity conversion mortgages rose 3.2% on an annual basis to $14.17 billion in 2025.