Description+goes+here https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com The share of GSE purchase mortgages with LTV ratios above 80% increased during the second quarter to a level last seen in 2023. However, lenders held firm on credit scores and the high-LTV-ratio share of refi business declined. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237957 Fri, 10 Jul 2026 12:12:20 -0400 https://www.insidemortgagefinance.com/articles/237957-ltv-ratios-on-gse-deliveries-up-in-second-quarter bivey@imfpubs.com The FHA/VA share of agency business with primary mortgage insurance increased during the second quarter for both purchase mortgages and refis. In the first half of 2026, purchase-mortgage volume with primary MI was up only 2.7% from the first half of 2025. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237959 Fri, 10 Jul 2026 12:08:25 -0400 https://www.insidemortgagefinance.com/articles/237959-primary-mi-volume-up-in-2q-led-by-fha-and-va nbhatia@imfpubs.com JPMorgan Chase remained by far the most prominent seller, with $23.05 billion in volume during the first quarter. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237867 Fri, 26 Jun 2026 13:06:15 -0400 https://www.insidemortgagefinance.com/articles/237867-bank-mortgage-originations-loan-sales-decline bivey@imfpubs.com Earnings were down compared with both the fourth quarter of 2025 and the first quarter of 2025. Some of the biggest banks don’t have particularly high hopes for their mortgage businesses this year. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237734 Fri, 12 Jun 2026 11:05:00 -0400 https://www.insidemortgagefinance.com/articles/237734-banks-mortgage-earnings-decline-in-first-quarter bivey@imfpubs.com Repurchases were down nearly 20% compared with the fourth quarter of 2025. Reserves for repurchases also declined. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237735 Fri, 12 Jun 2026 11:03:00 -0400 https://www.insidemortgagefinance.com/articles/237735-mortgage-repurchases-by-banks-drop-in-first-quarter nbhatia@imfpubs.com The volume of loans with primary insurance coverage flowing into agency mortgage-backed securities declined during the first quarter of 2026. FHA refinances in agency MBS issuance were up 8.0%. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237588 Fri, 29 May 2026 10:10:03 -0400 https://www.insidemortgagefinance.com/articles/237588-primary-mi-volume-falls-in-1q-fha-boost-refi-share nbhatia@imfpubs.com Banks and thrifts decreased the amount of mortgage servicing they handle for other entities in the first quarter. Meanwhile, valuations for the servicing asset increased for the third straight quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/237574 Fri, 29 May 2026 10:06:05 -0400 https://www.insidemortgagefinance.com/articles/237574-banks-servicing-valuations-strengthen-in-first-quarter nbhatia@imfpubs.com Denial rates declined slightly last year even as more applicants flocked to get a mortgage. (Includes data table.) http://www.insidemortgagefinance.com/articles/237569 Fri, 29 May 2026 10:04:08 -0400 https://www.insidemortgagefinance.com/articles/237569-denial-rate-for-conforming-mortgages-decline-in-2025 nbhatia@imfpubs.com Rate emerged as the top correspondent seller in 2025, delivering $18.58 billion of mortgages to unaffiliated non-agency buyers, a sharp 36.4% increase on an annual basis. (Includes data table.) http://www.insidemortgagefinance.com/articles/237482 Fri, 15 May 2026 14:07:05 -0400 https://www.insidemortgagefinance.com/articles/237482-correspondent-sales-increase-in-2025-rate-tops-lenders bivey@imfpubs.com The improvement in mortgage performance seen in early 2026 was weaker than in the first quarter of the prior two years. Much of the difference was due to an increase in loans 120+ days delinquent, with particular issues involving FHA mortgages. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237231 Fri, 17 Apr 2026 12:12:14 -0400 https://www.insidemortgagefinance.com/articles/237231-recovery-in-agency-delinquencies-in-1q-not-as-robust jdohnert@imfpubs.com The rise in home equity lending by nonbanks is driving increased use of artificial intelligence in the appraisal process. http://www.insidemortgagefinance.com/articles/237221 Fri, 17 Apr 2026 12:09:18 -0400 https://www.insidemortgagefinance.com/articles/237221-home-equity-lending-driving-ai-use-for-appraisals bivey@imfpubs.com Repurchase and indemnification activity at banks and thrifts declined by 10.9% from the third to the fourth quarter of 2025. Though for the full year, repurchases increased by 4.8% compared with 2024. (Includes data table.) http://www.insidemortgagefinance.com/articles/236825 Fri, 06 Mar 2026 12:16:23 -0500 https://www.insidemortgagefinance.com/articles/236825-mortgage-repurchases-by-banks-tick-down-in-4q bivey@imfpubs.com The total delinquency rate on loans in agency MBS reached 3.71% at the end of 2025. The last time delinquencies were at that level was early 2021 as the market was recovering from the impact of the pandemic. (Includes data table.) http://www.insidemortgagefinance.com/articles/236470 Fri, 23 Jan 2026 14:18:35 -0500 https://www.insidemortgagefinance.com/articles/236470-agency-mbs-delinquency-rate-hits-level-seen-in-2021 jbancroft@imfpubs.com Gain-on-sale margins improved in the third quarter, helping to offset a decline in net servicing income. (Includes data tables.) http://www.insidemortgagefinance.com/articles/236176 Fri, 19 Dec 2025 12:50:00 -0500 https://www.insidemortgagefinance.com/articles/236176-production-picks-up-slack-as-3q25-servicing-income-fades bivey@imfpubs.com SoFi Bank posted an 18.2% quarterly increase in retail lending in the third quarter, while the market as a whole contracted. The bank is looking to cross-sell mortgages to its customers. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/236217 Fri, 19 Dec 2025 12:05:00 -0500 https://www.insidemortgagefinance.com/articles/236217-bank-retail-lending-slows-in-3q-mortgage-sales-rise bivey@imfpubs.com Banks and thrifts had a combined $2.49 billion of mortgage-banking income in the third quarter. Western Alliance Bank stood out, more than doubling its earnings from the second quarter. (Includes data table.) http://www.insidemortgagefinance.com/articles/236214 Fri, 12 Dec 2025 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/236214-bank-mortgage-earnings-up-61-in-third-quarter bivey@imfpubs.com The delinquency rate on loans in Ginnie Mae MBS increased at a much faster pace than that on loans in GSE MBS, with the total delinquency rate for FHA mortgages hitting 10.90% at the end of September. http://www.insidemortgagefinance.com/articles/235722 Fri, 24 Oct 2025 12:06:58 -0400 https://www.insidemortgagefinance.com/articles/235722-delinquencies-rising-at-faster-pace-for-fha-va nbhatia@imfpubs.com Deliveries of high-risk purchase loans to the GSEs saw minor increases in the third quarter. But lenders expanded the credit for such loans in the refi sector. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235578 Fri, 10 Oct 2025 13:30:56 -0400 https://www.insidemortgagefinance.com/articles/235578-gses-get-more-low-risk-purchase-mortgages-in-third-quarter nbhatia@imfpubs.com The flow of purchase mortgages with some form of mortgage insurance in agency MBS increased in the third quarter of 2025, while refinance business saw a sharp downturn. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235579 Fri, 10 Oct 2025 13:27:57 -0400 https://www.insidemortgagefinance.com/articles/235579-insured-purchase-mortgage-activity-up-in-3q-refis-fall nbhatia@imfpubs.com Retail originations of mortgages by banks and thrifts sharply increased in the second quarter. The industry also reported a more modest increase in secondary-market mortgage sales. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235454 Fri, 26 Sep 2025 13:36:56 -0400 https://www.insidemortgagefinance.com/articles/235454-banks-boost-retail-lending-secondary-sales-in-2q bivey@imfpubs.com The volume of adjustable-rate mortgages flowing into agency mortgage-backed securities jumped in the second quarter of 2025 and has remained elevated. Large nonbank lenders are driving the increase. (Includes data table.) http://www.insidemortgagefinance.com/articles/235326 Fri, 12 Sep 2025 12:11:42 -0400 https://www.insidemortgagefinance.com/articles/235326-nonbanks-boosting-arm-lending-via-agency-mbs nbhatia@imfpubs.com Repurchases and indemnifications increased by more than 30% on a sequential basis during the second quarter. Through the first six months of the year, buyback activity was essentially level compared with the first half of 2024. (Includes data table.) http://www.insidemortgagefinance.com/articles/235324 Fri, 12 Sep 2025 12:04:46 -0400 https://www.insidemortgagefinance.com/articles/235324-repurchases-by-banks-surge-in-second-quarter dhollier@imfpubs.com The use of positive rental payment data and cash flow underwriting in new credit score models is expected to increase the number of borrowers that qualify for mortgages. http://www.insidemortgagefinance.com/articles/234931 Fri, 01 Aug 2025 11:20:55 -0400 https://www.insidemortgagefinance.com/articles/234931-vantagescore-touts-benefits-of-new-score dhollier@imfpubs.com Declining equity and surging escrow payments may be a precursor to market stress in some parts of the country, analysts say. http://www.insidemortgagefinance.com/articles/234822 Fri, 18 Jul 2025 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/234822-sagging-home-prices-threaten-some-mortgage-markets bivey@imfpubs.com FHA and VA purchase-mortgage volume increased by nearly 30% in the second quarter of 2025 compared with the previous quarter. GSE mortgages with private MI and agency purchase mortgages without primary MI lagged behind. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234712 Thu, 03 Jul 2025 13:42:22 -0400 https://www.insidemortgagefinance.com/articles/234712-purchase-mortgage-volume-strong-at-fha-va-in-2q jbancroft@imfpubs.com Income from production and servicing fell in the first quarter, but not by as much as origination volume. The MBA reported fewer firms were profitable than in the previous period. (Includes data tables.) http://www.insidemortgagefinance.com/articles/234458 Fri, 06 Jun 2025 11:41:57 -0400 https://www.insidemortgagefinance.com/articles/234458-1q25-yields-mixed-bag-of-lower-mortgage-profits nbhatia@imfpubs.com Correspondent sales of mortgage loans to unaffiliated buyers increased 26.8% in 2024, led by CrossCountry Mortgage, Rate and United Wholesale Mortgage. (Includes data table.) http://www.insidemortgagefinance.com/articles/234440 Fri, 06 Jun 2025 11:38:00 -0400 https://www.insidemortgagefinance.com/articles/234440-correspondent-sales-of-mortgages-rebound-in-2024 dhollier@imfpubs.com Rent payment history and bank account income verification are just the start. Machine learning algorithms also promise better risk assessment and more accurate pricing for that risk. http://www.insidemortgagefinance.com/articles/234322 Fri, 23 May 2025 11:41:36 -0400 https://www.insidemortgagefinance.com/articles/234322-how-ai-is-revolutionizing-mortgage-lending nbhatia@imfpubs.com Among the top-five lenders in terms of applications received for conventional-conforming mortgages in 2024, Rocket Mortgage had the highest overall denial rate at 15.9%. JPMorgan Chase ranked second with a rejection rate of 12.0%. (Includes data table.) http://www.insidemortgagefinance.com/articles/234213 Fri, 09 May 2025 12:33:05 -0400 https://www.insidemortgagefinance.com/articles/234213-denial-rates-on-conventional-conforming-mortgages-rise jbancroft@imfpubs.com Most lenders reported significant improvement in servicing profitability that was driven by MSR markups. But results varied greatly on the production side, where lenders that rely on TPO channels fared much better. (Includes data tables.) http://www.insidemortgagefinance.com/articles/233850 Fri, 28 Mar 2025 13:02:00 -0400 https://www.insidemortgagefinance.com/articles/233850-servicing-bounced-back-in-4q24-production-faltered