https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com Ginnie Mae and whole loans have gained servicing share in recent years to the detriment of Fannie Mae and Freddie Mac. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237755 Thu, 18 Jun 2026 09:10:00 -0400 https://www.insidemortgagefinance.com/articles/237755-gse-servicing-share-falling-to-pre-pandemic-levels bivey@imfpubs.com MBS investors aren’t sure how VantageScore scores compare with classic FICO scores. And a variety of systems used in the mortgage market need to be updated to allow for two scoring models. http://www.insidemortgagefinance.com/articles/237694 Thu, 11 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237694-many-hurdles-to-widespread-adoption-of-vantagescore jdohnert@imfpubs.com VantageScore’s CEO said he doesn’t think FICO’s trended data score will be operational with the GSEs anytime soon. http://www.insidemortgagefinance.com/articles/237695 Thu, 11 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237695-vantagescore-ready-to-take-on-fico-in-mortgage dhollier@imfpubs.com Early interest in the VantageScore 4.0 pilot has been strong, but participants note that the new score can be up to 100 points different from Classic FICO. http://www.insidemortgagefinance.com/articles/237532 Thu, 21 May 2026 12:00:10 -0400 https://www.insidemortgagefinance.com/articles/237532-vantagescore-uptake-matches-expectations dhollier@imfpubs.com FHFA Director Bill Pulte said 21 large lenders will roll out the new score with the GSEs, though all lenders are eligible. FHA also plans to accept VantageScore and FICO 10T. http://www.insidemortgagefinance.com/articles/237281 Thu, 23 Apr 2026 12:10:06 -0400 https://www.insidemortgagefinance.com/articles/237281-vantagescore-40-is-a-go dhollier@imfpubs.com Industry watchers believe the abruptly cancelled FHFA/HUD press conference was tied to implementation of VantageScore 4.0. http://www.insidemortgagefinance.com/articles/237195 Thu, 16 Apr 2026 11:25:30 -0400 https://www.insidemortgagefinance.com/articles/237195-fhfa-and-hud-postpone-major-housing-announcement bivey@imfpubs.com Deliveries of purchase mortgages to agency MBS were essentially level in the first quarter of 2026 compared with the first quarter of 2025. Refi business remained elevated. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237136 Thu, 09 Apr 2026 11:56:37 -0400 https://www.insidemortgagefinance.com/articles/237136-purchase-mortgage-volume-plods-along-in-agency-market dhollier@imfpubs.com The Broker Action Coalition is asking its members to bring their credit report bills to the trade group’s Washington fly-in this month so DC politicians can see how much a monopoly costs. http://www.insidemortgagefinance.com/articles/237152 Thu, 09 Apr 2026 11:52:41 -0400 https://www.insidemortgagefinance.com/articles/237152-mortgage-brokers-spill-the-beans-on-credit-score-costs dhollier@imfpubs.com Economists quantify the impact of demand shocks on lender-set rates and origination efficiency. http://www.insidemortgagefinance.com/articles/237040 Fri, 03 Apr 2026 11:00:25 -0400 https://www.insidemortgagefinance.com/articles/237040-mortgage-demand-and-lender-rates jdohnert@imfpubs.com Investors are expected to take time to adjust to new credit score models and the potential end of the tri-merge scoring requirement at the GSEs. http://www.insidemortgagefinance.com/articles/236770 Thu, 26 Feb 2026 12:04:07 -0500 https://www.insidemortgagefinance.com/articles/236770-investors-expect-adjustment-period-for-new-credit-score-models dhollier@imfpubs.com Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help. http://www.insidemortgagefinance.com/articles/236656 Thu, 12 Feb 2026 11:34:20 -0500 https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability bivey@imfpubs.com In mid-December, MBA was projecting interest rates would hold at 6.4% throughout 2026. However, MBA now anticipates the average rate will be 6.1% in the first quarter and hold at that level through the year. http://www.insidemortgagefinance.com/articles/236502 Thu, 29 Jan 2026 11:48:44 -0500 https://www.insidemortgagefinance.com/articles/236502-economists-make-adjustments-on-rate-forecasts bivey@imfpubs.com President Trump’s announcement that the GSEs will buy $200 billion of agency MBS prompted mortgage spreads to tighten by about 20 basis points and some lenders to offer mortgages below 6.00%. http://www.insidemortgagefinance.com/articles/236382 Thu, 15 Jan 2026 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/236382-lenders-expect-rush-from-gse-mbs-purchases dhollier@imfpubs.com Treasury Secretary Scott Bessent confirmed industry speculation that President Trump directed the GSEs to purchase $200 billion in MBS to offset Federal Reserve policy. http://www.insidemortgagefinance.com/articles/236381 Thu, 15 Jan 2026 12:07:00 -0500 https://www.insidemortgagefinance.com/articles/236381-trumps-mbs-purchase-plan-runs-counter-to-fed-policy jbancroft@imfpubs.com UWM finished as the top agency seller in 2025, with annual volume up 22.2% from the previous year. Like many companies, its fourth-quarter sales rose dramatically thanks to heavy refinance volume. http://www.insidemortgagefinance.com/articles/236300 Thu, 08 Jan 2026 12:26:49 -0500 https://www.insidemortgagefinance.com/articles/236300-agency-refi-market-rises-to-three-year-high-in-2025 dhollier@imfpubs.com Mortgage applications are on the upswing as interest rates and spreads fall. FHFA says Trump is responsible, but critics disagree. http://www.insidemortgagefinance.com/articles/236247 Fri, 02 Jan 2026 09:00:00 -0500 https://www.insidemortgagefinance.com/articles/236247-fhfa-touts-administrations-housing-success bivey@imfpubs.com Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/236177 Thu, 18 Dec 2025 11:59:03 -0500 https://www.insidemortgagefinance.com/articles/236177-ginnie-servicing-share-ticks-up-again-in-third-quarter bivey@imfpubs.com While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change. http://www.insidemortgagefinance.com/articles/236049 Thu, 04 Dec 2025 11:51:24 -0500 https://www.insidemortgagefinance.com/articles/236049-complications-await-if-gses-allow-assumable-mortgages dhollier@imfpubs.com The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years. http://www.insidemortgagefinance.com/articles/235941 Thu, 20 Nov 2025 12:03:00 -0500 https://www.insidemortgagefinance.com/articles/235941-ackman-refines-plan-for-gse-reform pmuolo@imfpubs.com FHFA Director Bill Pulte touted possibility of a 50-year fixed-rate mortgage. Also under consideration: transferable and portable mortgages. http://www.insidemortgagefinance.com/articles/235890 Thu, 13 Nov 2025 12:08:00 -0500 https://www.insidemortgagefinance.com/articles/235890-trump-administration-hints-at-new-mortgage-products dhollier@imfpubs.com The Trump administration continues to tease a 2025 capital raise for the GSEs but industry experts remain skeptical this can be done in a safe, sound manner. http://www.insidemortgagefinance.com/articles/235810 Thu, 06 Nov 2025 12:10:39 -0500 https://www.insidemortgagefinance.com/articles/235810-recapping-recap-and-release pmuolo@imfpubs.com A reduction in loan-level pricing adjustments for Fannie Mae and Freddie Mac is being discussed. http://www.insidemortgagefinance.com/articles/235762 Thu, 30 Oct 2025 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/235762-a-reduction-in-gse-llpas-something-or-nothing dhollier@imfpubs.com While most mortgage industry participants believe the tri-merge limits competition among the three credit reporting companies, some say it’s a critical tool to maintain the credit quality of mortgages. http://www.insidemortgagefinance.com/articles/235680 Thu, 23 Oct 2025 12:29:07 -0400 https://www.insidemortgagefinance.com/articles/235680-mortgage-industry-bigwigs-debate-the-tri-merge jbancroft@imfpubs.com Agency refinance business slowed significantly in the third quarter, and the market seemed to turn in September as purchase-mortgage volume also declined. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235542 Thu, 09 Oct 2025 12:16:00 -0400 https://www.insidemortgagefinance.com/articles/235542-purchase-mortgages-lift-agency-market-in-3q25 dhollier@imfpubs.com The Trump administration is ramping up discussions regarding reforms to the government-sponsored enterprises but it’s still not clear what the result will be. Whether Congress will take action is also an open question. http://www.insidemortgagefinance.com/articles/235360 Thu, 18 Sep 2025 12:13:06 -0400 https://www.insidemortgagefinance.com/articles/235360-the-next-steps-in-gse-reform dhollier@imfpubs.com Mortgage lenders and their partners are working to figure out how to implement both Classic FICO and VantageScore 4.0 credit scores. http://www.insidemortgagefinance.com/articles/235370 Thu, 18 Sep 2025 12:11:10 -0400 https://www.insidemortgagefinance.com/articles/235370-industry-seeks-clarity-on-credit-scores dhollier@imfpubs.com Industry stakeholders puzzle over the implications of the Trump administration’s plans for a quick public offering of the GSEs. http://www.insidemortgagefinance.com/articles/235056 Thu, 14 Aug 2025 11:58:01 -0400 https://www.insidemortgagefinance.com/articles/235056-merger-rumors-and-a-possible-gse-exit jbancroft@imfpubs.com Credit trends remained strong as heavy refinancing activity helped boost agency business in the second quarter of 2025. The top sellers with significant TPO platforms continued to gain market share. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234750 Thu, 10 Jul 2025 11:30:28 -0400 https://www.insidemortgagefinance.com/articles/234750-agency-1-fam-market-up-in-2q25-buyed-by-refinance dhollier@imfpubs.com FHFA said lenders can now use VantageScore 4.0 when underwriting GSE loans. It’s not clear, though, if the mortgage industry is ready to take advantage of the opportunity. http://www.insidemortgagefinance.com/articles/234754 Thu, 10 Jul 2025 11:28:30 -0400 https://www.insidemortgagefinance.com/articles/234754-fhfa-oks-vantagescore-for-immediate-use dhollier@imfpubs.com Advocates for GSE reform offered the Trump administration some useful guardrails to consider as it plots ending the conservatorships of Fannie and Freddie. http://www.insidemortgagefinance.com/articles/234634 Thu, 03 Jul 2025 12:55:14 -0400 https://www.insidemortgagefinance.com/articles/234634-requirements-for-gse-reform