Description+goes+here https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com Some debt service coverage ratio loan borrowers are deliberately going delinquent while they renovate a property to improve its long-term rental performance. http://www.insidemortgagefinance.com/articles/237876 Thu, 02 Jul 2026 11:43:24 -0400 https://www.insidemortgagefinance.com/articles/237876-bpl-sector-challenged-by-short-term-dqs jdohnert@imfpubs.com A massive influx of investor demand for business-purpose loans has prompted lenders to loosen underwriting standards for the asset class. http://www.insidemortgagefinance.com/articles/237886 Thu, 02 Jul 2026 11:42:25 -0400 https://www.insidemortgagefinance.com/articles/237886-borrower-quality-insurance-dragging-down-bpl-market jdohnert@imfpubs.com Poor quality appraisals and weak due diligence controls are leading to growing concern about appraisal values for non-QMs. http://www.insidemortgagefinance.com/articles/237789 Thu, 18 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237789-non-qm-originators-raise-concern-on-appraisal-values jdohnert@imfpubs.com More extensive rehab projects and growing investor demand have pushed some lenders to consider getting more lenient with some standards for residential transition loans. http://www.insidemortgagefinance.com/articles/237667 Fri, 05 Jun 2026 13:02:00 -0400 https://www.insidemortgagefinance.com/articles/237667-lenders-consider-expanding-credit-box-for-rtls azimmardi@imfpubs.com Issuance of expanded-credit MBS increased a hefty 40.6% during the first quarter of 2026, with investment-property mortgages making up a big chunk of the total. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237280 Fri, 24 Apr 2026 12:50:19 -0400 https://www.insidemortgagefinance.com/articles/237280-refis-ipls-drive-up-ecm-mbs-issuance azimmardi@imfpubs.com Issuance of non-agency MBS backed by newly originated mortgages increased by 34.2% on a quarterly basis in the first quarter of 2026. (Includes data tables.) http://www.insidemortgagefinance.com/articles/237153 Fri, 10 Apr 2026 13:13:19 -0400 https://www.insidemortgagefinance.com/articles/237153-non-agency-mbs-issuance-heads-higher-in-first-quarter azimmardi@imfpubs.com Issuance of expanded-credit mortgage-backed securities declined during the fourth quarter of 2025, marking the first quarterly decline in issuance for the sector in two years. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/236538 Fri, 30 Jan 2026 12:40:41 -0500 https://www.insidemortgagefinance.com/articles/236538-expanded-credit-mbs-issuance-drops-in-4q bivey@imfpubs.com Issuance of expanded-credit MBS increased by nearly 80% on an annual basis in 2025 to $75.91 billion. Prime non-agency MBS issuance was up nearly 40% to $45.19 billion. (Includes data table.) http://www.insidemortgagefinance.com/articles/236419 Fri, 16 Jan 2026 14:29:33 -0500 https://www.insidemortgagefinance.com/articles/236419-non-agency-mbs-issuance-jumps-61-in-2025 azimmardi@imfpubs.com Issuance in the first nine months of the year was up nearly 90% compared with the first nine months of 2024. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/235649 Fri, 17 Oct 2025 15:38:26 -0400 https://www.insidemortgagefinance.com/articles/235649-expanded-credit-mbs-issuance-hits-another-record-in-3q azimmardi@imfpubs.com Expanded-credit MBS issuance rose by 25.4% from the first quarter to the second quarter, with mortgages for self-employed borrowers, interest-only loans and refinances driving the increase. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/234887 Fri, 25 Jul 2025 13:59:35 -0400 https://www.insidemortgagefinance.com/articles/234887-expanded-credit-mbs-issuance-up-in-second-quarter azimmardi@imfpubs.com Securitization of conforming jumbo mortgages by the government-sponsored enterprises increased during the second quarter of 2025 after a slowdown in the previous quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/234740 Fri, 11 Jul 2025 14:04:00 -0400 https://www.insidemortgagefinance.com/articles/234740-gse-conforming-jumbo-business-bounces-back-in-2q bivey@imfpubs.com Delinquencies and loan modifications on securitized non-QMs resumed increasing in May. Issuance from 2023 is performing worse than prior vintages while deals from 2024 have benefited from improved underwriting. http://www.insidemortgagefinance.com/articles/234776 Fri, 11 Jul 2025 14:03:00 -0400 https://www.insidemortgagefinance.com/articles/234776-mixed-trends-in-performance-of-expanded-credit-mbs bivey@imfpubs.com A cornucopia of non-agency MBS hit the market in early July. http://www.insidemortgagefinance.com/articles/234770 Fri, 11 Jul 2025 14:01:00 -0400 https://www.insidemortgagefinance.com/articles/234770-variety-of-non-agency-mbs-on-offer-early-in-3q bivey@imfpubs.com Retail lending among lenders in the analysis declined sharply during the first quarter while the correspondent and broker channels posted more modest declines in nonconforming production. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234673 Fri, 27 Jun 2025 13:45:38 -0400 https://www.insidemortgagefinance.com/articles/234673-retail-channel-loses-share-in-nonconforming-market bivey@imfpubs.com Impairment rate on securitized non-QMs rises in May; Rocket offering bridge loans; architecture firm to acquire non-QM lender; Chimera unit aggregating HEIs for securitization. http://www.insidemortgagefinance.com/articles/234679 Fri, 27 Jun 2025 13:37:50 -0400 https://www.insidemortgagefinance.com/articles/234679-news-briefs bivey@imfpubs.com Federal agencies have used the higher-priced mortgage designation as a proxy for subprime lending. Strategies vary among the biggest originators of higher-priced mortgages, including focusing on loans for manufactured homes or expanded-credit mortgages. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234291 Fri, 16 May 2025 15:06:51 -0400 https://www.insidemortgagefinance.com/articles/234291-higher-priced-lending-increases-slightly-in-2024 bivey@imfpubs.com Debt service coverage ratio mortgages, residential transition loans and other alternative products include some unique features that can’t necessarily be handled well by servicing systems for standard residential mortgages. http://www.insidemortgagefinance.com/articles/234289 Fri, 16 May 2025 15:04:53 -0400 https://www.insidemortgagefinance.com/articles/234289-commercial-loan-tech-popular-for-servicing-alt-products bivey@imfpubs.com Annaly started marketing an expanded-credit MBS last month just as President Trump announced new tariffs. The deal went through at a spread that likely wouldn’t have been achievable as recently as three years ago. http://www.insidemortgagefinance.com/articles/234175 Fri, 02 May 2025 13:07:29 -0400 https://www.insidemortgagefinance.com/articles/234175-annaly-seeing-resilient-demand-for-non-agency-mbs bivey@imfpubs.com Rithm is both a buyer and seller of non-agency mortgages. Wider spreads in recent months have helped generate strong returns from loan acquisitions. Meanwhile, RTL production through its Genesis unit slowed during the first quarter. http://www.insidemortgagefinance.com/articles/234176 Fri, 02 May 2025 13:04:30 -0400 https://www.insidemortgagefinance.com/articles/234176-rithms-investment-portfolio-recovers-in-first-quarter bivey@imfpubs.com Impairment rate on non-QMs declines; new issuers of home equity loan securitizations; bank offers new jumbo ARMs via wholesale channel; proprietary reverse-mortgage product from Liberty Reverse Mortgage. http://www.insidemortgagefinance.com/articles/234173 Fri, 02 May 2025 13:02:34 -0400 https://www.insidemortgagefinance.com/articles/234173-news-briefs bivey@imfpubs.com Loans originated by CrossCountry Mortgage accounted for $942.1 million of mortgages in expanded-credit MBS issued in the first quarter of 2025. Annaly Capital Management’s Onslow Bay unit remained the largest issuer of expanded-credit MBS. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/234041 Fri, 18 Apr 2025 14:10:00 -0400 https://www.insidemortgagefinance.com/articles/234041-crosscountry-maintains-lead-in-expanded-credit-mbs bivey@imfpubs.com Proponents of the non-agency market see GSE reform as an opportunity to take steps to increase the non-agency share of activity in the secondary market. The Trump administration’s plans for the secondary market remain unclear. http://www.insidemortgagefinance.com/articles/234043 Fri, 18 Apr 2025 14:06:00 -0400 https://www.insidemortgagefinance.com/articles/234043-non-agency-boost-an-option-with-gse-reform bivey@imfpubs.com Carrington is expanding its guidelines and offering competitive pricing for non-QMs in the correspondent channel, aiming to gain market share. The company also works to help correspondent sellers mitigate risks on non-QM sales. http://www.insidemortgagefinance.com/articles/234045 Fri, 18 Apr 2025 14:03:00 -0400 https://www.insidemortgagefinance.com/articles/234045-carrington-goes-non-qm-only-for-correspondent-channel bivey@imfpubs.com Castlelake plans to invest in up to $2 billion of newly originated residential mortgages sourced from Invictus Capital Partners. http://www.insidemortgagefinance.com/articles/234046 Fri, 18 Apr 2025 14:02:00 -0400 https://www.insidemortgagefinance.com/articles/234046-invictus-to-sell-non-agency-whole-loans-to-castlelake bivey@imfpubs.com Beeline Financial started operations in 2020 and has yet to turn a profit. The company is now publicly traded thanks to a transaction involving a distillery, with plans to boost non-QM lending by leaning on technology. http://www.insidemortgagefinance.com/articles/234047 Fri, 18 Apr 2025 14:01:00 -0400 https://www.insidemortgagefinance.com/articles/234047-non-qm-lender-working-to-dig-out-of-hole pmuolo@imfpubs.com Moody’s affirms assessments on Redwood; Deephaven loosens DSCR underwriting; Dan Perl update; ARDRI acquires expanded-credit lender; new proprietary reverse mortgages from Mutual of Omaha Mortgage. http://www.insidemortgagefinance.com/articles/234049 Fri, 18 Apr 2025 14:00:00 -0400 https://www.insidemortgagefinance.com/articles/234049-news-briefs jdohnert@imfpubs.com Volume of noncore products at the GSEs shifted downward in the first quarter as questions around the future of Fannie Mae and Freddie Mac persist. (Includes data table.) http://www.insidemortgagefinance.com/articles/233925 Fri, 04 Apr 2025 14:32:40 -0400 https://www.insidemortgagefinance.com/articles/233925-volume-for-noncore-gse-products-down-across-the-board-in-1q jdohnert@imfpubs.com Toorak Connect is an underwriting platform that uses artificial intelligence and machine learning to score loans based on risk. It has been used to underwrite more than $5 billion in business-purpose loans since its launch in 2022. http://www.insidemortgagefinance.com/articles/233929 Fri, 04 Apr 2025 14:31:43 -0400 https://www.insidemortgagefinance.com/articles/233929-toorak-leverages-ai-for-bpl-originations jdohnert@imfpubs.com Brookfield to acquire majority stake in Angel Oak; Dominion Financial launches AI chatbots; Carrington Mortgage’s correspondent channel goes fully non-QM; Sachem Capital takes loss in 2024. http://www.insidemortgagefinance.com/articles/233932 Fri, 04 Apr 2025 14:28:49 -0400 https://www.insidemortgagefinance.com/articles/233932-news-briefs jdohnert@imfpubs.com The lender is seeing strong demand from borrowers and the secondary market for non-agency business purpose loans. http://www.insidemortgagefinance.com/articles/233786 Fri, 21 Mar 2025 15:18:05 -0400 https://www.insidemortgagefinance.com/articles/233786-velocity-sees-record-profits-in-4q