https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com The jumbo share of first-lien originations increased from 16.4% in the first quarter of 2026 to 18.8% in the second quarter. Large banks and nonbanks are putting an emphasis on the products. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/238539 Thu, 17 Sep 2026 11:20:47 -0400 https://www.insidemortgagefinance.com/articles/238539-jumbo-share-of-originations-highest-since-2023 bivey@imfpubs.com The Federal Reserve hiked the federal funds rate by 25 bps this week. The move was already baked into mortgage rates, which aren’t expected to climb much higher even if the Fed hikes rates twice more in the next 12 months. http://www.insidemortgagefinance.com/articles/238554 Thu, 17 Sep 2026 11:16:32 -0400 https://www.insidemortgagefinance.com/articles/238554-interest-rates-on-mortgages-expected-to-hold-as-fed-hikes dhollier@imfpubs.com The FHFA director’s predilection for conducting official business on X provides housing-finance advocates a unique opportunity to lobby him directly. http://www.insidemortgagefinance.com/articles/238538 Thu, 17 Sep 2026 11:14:49 -0400 https://www.insidemortgagefinance.com/articles/238538-trades-use-social-media-to-reach-pulte bivey@imfpubs.com As originations remain subdued, warehouse lenders are focusing on market share. Chase, the top warehouse lender, reduced its footprint in the second quarter and some newer players are filling the void. (Includes data table.) http://www.insidemortgagefinance.com/articles/238540 Thu, 17 Sep 2026 11:12:50 -0400 https://www.insidemortgagefinance.com/articles/238540-warehouse-lenders-fighting-for-share-in-tough-market ewilley@imfpubs.com With Democrats expected to gain majority in the House, and their odds of Senate control improving, congressional oversight of federal agencies may increase next year. http://www.insidemortgagefinance.com/articles/238542 Thu, 17 Sep 2026 11:09:51 -0400 https://www.insidemortgagefinance.com/articles/238542-eyes-on-oversight-as-democrats-midterm-prospects-brighten jdohnert@imfpubs.com Pennymac and Rocket are focused on developing scale and technology to drive down costs as originations are expected to remain muted due to the higher-for-longer interest rate environment. http://www.insidemortgagefinance.com/articles/238551 Thu, 17 Sep 2026 11:08:52 -0400 https://www.insidemortgagefinance.com/articles/238551-rocket-pennymac-focus-on-servicing-and-tech-as-originations-slow jdohnert@imfpubs.com The landmark housing bill is still a long way from impacting the actual housing market, according to experts. http://www.insidemortgagefinance.com/articles/238548 Thu, 17 Sep 2026 11:05:53 -0400 https://www.insidemortgagefinance.com/articles/238548-staffing-cuts-other-priorities-could-slow-housing-bill-implementation sclark@imfpubs.com Better Markets has alleged that a Federal Reserve board member interfered with the Basel III rulemaking process by secretly meeting with bank executives to influence their support for the proposals. http://www.insidemortgagefinance.com/articles/238537 Thu, 17 Sep 2026 11:04:54 -0400 https://www.insidemortgagefinance.com/articles/238537-better-markets-sues-fed-over-basel-iii-rulemaking-process bivey@imfpubs.com Retail originations increased by 10.5% on a quarterly basis in the second quarter of 2026. That pushed the channel’s share of total first-lien originations to 53.7%. (Includes six data tables.) http://www.insidemortgagefinance.com/articles/238489 Thu, 10 Sep 2026 11:58:33 -0400 https://www.insidemortgagefinance.com/articles/238489-retail-lending-takes-some-share-from-brokers-in-2q dhollier@imfpubs.com VantageScore 4.0 is now available to all Fannie Mae and Freddie Mac sellers. And FHFA Director Bill Pulte is pondering ending the tri-merge standard. http://www.insidemortgagefinance.com/articles/238487 Thu, 10 Sep 2026 11:57:34 -0400 https://www.insidemortgagefinance.com/articles/238487-fico-monopoly-comes-to-an-end bivey@imfpubs.com Rocket is offering a permanent 60-bp pricing incentive for agency loans and a broker referral bonus, while UWM extended a 90-bp pricing incentive and removed LLPAs on conforming jumbos. http://www.insidemortgagefinance.com/articles/238491 Thu, 10 Sep 2026 11:56:37 -0400 https://www.insidemortgagefinance.com/articles/238491-rocket-intensifies-broker-competition-with-uwm sclark@imfpubs.com The Mortgage Bankers Association argued that New Jersey’s disparate- impact rule forces lenders to choose between conduct federal law prohibits and potential liability under state law. http://www.insidemortgagefinance.com/articles/238478 Thu, 10 Sep 2026 11:55:38 -0400 https://www.insidemortgagefinance.com/articles/238478-mba-challenges-nj-disparate-impact-rule jdohnert@imfpubs.com The lender will retain mortgage servicing rights on its originations in an effort to increase borrower retention. http://www.insidemortgagefinance.com/articles/238477 Thu, 10 Sep 2026 11:54:40 -0400 https://www.insidemortgagefinance.com/articles/238477-homeservices-of-america-shifts-servicing-strategy jdohnert@imfpubs.com The lender removed the percentage split between loan officers and NEXA as well as some of the costs tied to other comp structures. http://www.insidemortgagefinance.com/articles/238490 Thu, 10 Sep 2026 11:53:43 -0400 https://www.insidemortgagefinance.com/articles/238490-nexa-updates-lo-comp-model-as-it-scales-up-operations bivey@imfpubs.com Housing affordability concerns are being blown out of proportion, according to Stanley Middleman, CEO of Freedom Mortgage. http://www.insidemortgagefinance.com/articles/238492 Thu, 10 Sep 2026 11:52:45 -0400 https://www.insidemortgagefinance.com/articles/238492-freedoms-middleman-brushes-off-affordability-concerns jdohnert@imfpubs.com Redfin found that 71.6% of ARM borrowers can refinance into a 30-year fixed rate that is at least 50 bps lower than their original rate. http://www.insidemortgagefinance.com/articles/238479 Thu, 10 Sep 2026 11:51:48 -0400 https://www.insidemortgagefinance.com/articles/238479-borrowers-who-bet-on-arms-usually-refi-to-a-lower-rate dhollier@imfpubs.com The think tank believes a smaller federal footprint in the mortgage market is the best way to lower prices and encourage homeownership. http://www.insidemortgagefinance.com/articles/238481 Thu, 10 Sep 2026 11:50:27 -0400 https://www.insidemortgagefinance.com/articles/238481-heritage-foundation-calls-for-smaller-government-role-in-mortgages nbhatia@imfpubs.com The conventional-conforming sector lagged in an otherwise upbeat mortgage market. (Includes two data files.) http://www.insidemortgagefinance.com/articles/238372 Thu, 27 Aug 2026 11:54:57 -0400 https://www.insidemortgagefinance.com/articles/238372-all-products-gained-in-2q26-but-agency-market-lagged jdohnert@imfpubs.com Market uncertainty and rising costs have led some economists to revise their origination forecast for the rest of this year and into 2027. http://www.insidemortgagefinance.com/articles/238382 Thu, 27 Aug 2026 11:52:58 -0400 https://www.insidemortgagefinance.com/articles/238382-economists-reduce-expectations-for-originations dhollier@imfpubs.com Fannie Mae has reportedly fired 10 senior executives, including senior vice presidents Mark Palim and Devang Doshi. http://www.insidemortgagefinance.com/articles/238369 Thu, 27 Aug 2026 11:51:01 -0400 https://www.insidemortgagefinance.com/articles/238369-keeping-up-with-pulte dhollier@imfpubs.com New PMIERs guidelines help determine required asset levels for MIs, but industry officials say they already have more than required. http://www.insidemortgagefinance.com/articles/238380 Thu, 27 Aug 2026 11:50:04 -0400 https://www.insidemortgagefinance.com/articles/238380-pmis-say-theyre-ready-for-vantagescore-40 ewilley@imfpubs.com Executives at the credit reporting agencies and scoring companies said the deployment of FICO 10T and VantageScore 4.0 scores will have cascading effects on the primary and secondary mortgage markets. http://www.insidemortgagefinance.com/articles/238383 Thu, 27 Aug 2026 11:49:06 -0400 https://www.insidemortgagefinance.com/articles/238383-credit-scores-will-trickle-through-mortgage-ecosystem jdohnert@imfpubs.com The new third‑party origination channel, BrokerBrand TPO, is led by industry veteran Bob Marseilles. http://www.insidemortgagefinance.com/articles/238384 Thu, 27 Aug 2026 11:48:10 -0400 https://www.insidemortgagefinance.com/articles/238384-lenders-flock-to-wholesale-channel ewilley@imfpubs.com The Trump administration is running short on time to get more regulatory changes through the pipeline, according to panelists at the Mortgage Industry Standards Maintenance Organization’s fall summit. http://www.insidemortgagefinance.com/articles/238385 Thu, 27 Aug 2026 11:47:12 -0400 https://www.insidemortgagefinance.com/articles/238385-further-trump-regulatory-changes-fight-against-the-clock azimmardi@imfpubs.com Though interest-only loans are a good option to address affordability, they are not necessarily for every borrower. http://www.insidemortgagefinance.com/articles/238321 Thu, 27 Aug 2026 11:46:15 -0400 https://www.insidemortgagefinance.com/articles/238321-io-loans-gaining-popularity-to-help-affordability jdohnert@imfpubs.com The double-pledge protection program offers lenders automated portfolio scrubbing to identify potential collateral overlap. http://www.insidemortgagefinance.com/articles/238373 Thu, 27 Aug 2026 11:45:17 -0400 https://www.insidemortgagefinance.com/articles/238373-rams-mortgage-capital-launches-double-pledging-protection-tool bivey@imfpubs.com Refi volume declined by 32.7% from the first quarter to the second but nearly doubled year to date. Meanwhile, purchase-mortgage originations increased by just 4.7% year to date. (Includes five data tables.) http://www.insidemortgagefinance.com/articles/238303 Thu, 20 Aug 2026 11:59:08 -0400 https://www.insidemortgagefinance.com/articles/238303-refis-trail-off-purchase-lending-slightly-ahead-of-2025 jdohnert@imfpubs.com UWM accused Two Harbors executives of subversion, inaction and lies to stop its planned acquisition of the real estate investment trust. http://www.insidemortgagefinance.com/articles/238313 Thu, 20 Aug 2026 11:58:09 -0400 https://www.insidemortgagefinance.com/articles/238313-uwm-two-harbors-lawsuit-highlights-importance-of-trust-in-m-and-a bivey@imfpubs.com The increase in the delinquency rate in the second quarter of 2026 erased improvements seen in the first quarter. Delinquencies are also expected to rise through the end of the year. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238312 Thu, 20 Aug 2026 11:57:11 -0400 https://www.insidemortgagefinance.com/articles/238312-delinquencies-increase-at-large-servicers-in-second-quarter dhollier@imfpubs.com Trade groups agree that the reputational harm provision of the suspended counterparty program regulation is redundant. http://www.insidemortgagefinance.com/articles/238304 Thu, 20 Aug 2026 11:56:13 -0400 https://www.insidemortgagefinance.com/articles/238304-industry-backs-fhfas-scp-rule-changes