https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com Rocket Mortgage was the largest originator of home equity loans in the first quarter of 2026. The nonbank started originating closed-end second liens in recent years as refi opportunities declined. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237829 Thu, 25 Jun 2026 11:58:29 -0400 https://www.insidemortgagefinance.com/articles/237829-nonbank-tops-home-equity-lenders-for-first-time ewilley@imfpubs.com President Trump said he will not sign the 21st Century ROAD to Housing Act until Congress passes the election bill. http://www.insidemortgagefinance.com/articles/237822 Thu, 25 Jun 2026 11:57:31 -0400 https://www.insidemortgagefinance.com/articles/237822-senate-passes-landmark-housing-package bivey@imfpubs.com Federal regulators are open to adjusting the 250% risk weight that currently applies to bank holdings of mortgage servicing rights. Trade groups are calling for it to be reduced to 100%. http://www.insidemortgagefinance.com/articles/237820 Thu, 25 Jun 2026 11:56:35 -0400 https://www.insidemortgagefinance.com/articles/237820-banks-seek-looser-capital-requirements-for-msrs ewilley@imfpubs.com FHA is aiming its deregulatory efforts at barriers that make its programs less attractive to lenders. http://www.insidemortgagefinance.com/articles/237833 Thu, 25 Jun 2026 11:55:35 -0400 https://www.insidemortgagefinance.com/articles/237833-fha-seeks-to-attract-new-lenders jdohnert@imfpubs.com Investors are looking for consistency from non-QM lenders as concerns about expanding credit boxes mount. http://www.insidemortgagefinance.com/articles/237818 Thu, 25 Jun 2026 11:54:38 -0400 https://www.insidemortgagefinance.com/articles/237818-non-qm-investors-rewarding-consistency bivey@imfpubs.com Nonbanks accounted for 68.0% of residential mortgage originations in the first quarter of 2026. (Includes two data charts.) http://www.insidemortgagefinance.com/articles/237832 Thu, 25 Jun 2026 11:52:45 -0400 https://www.insidemortgagefinance.com/articles/237832-nonbank-share-of-originations-rises-in-first-quarter dhollier@imfpubs.com Demographic shifts mean demand is falling. Meanwhile supply is increasing, raising the potential for falling home prices and fewer originations. http://www.insidemortgagefinance.com/articles/237825 Thu, 25 Jun 2026 11:51:47 -0400 https://www.insidemortgagefinance.com/articles/237825-the-coming-housing-glut jdohnert@imfpubs.com The delay to July 2 is the fourth time a shareholder vote on CrossCountry’s bid for Two Harbors has been pushed back. http://www.insidemortgagefinance.com/articles/237831 Thu, 25 Jun 2026 11:50:48 -0400 https://www.insidemortgagefinance.com/articles/237831-two-harbors-crosscountry-vote-falls-short-again 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 Leaders in the Senate and House reached an agreement this week on the 21st Century ROAD to Housing Act. http://www.insidemortgagefinance.com/articles/237788 Thu, 18 Jun 2026 09:09:00 -0400 https://www.insidemortgagefinance.com/articles/237788-congress-set-to-pass-wide-ranging-housing-bill dhollier@imfpubs.com The FHFA director told homebuilders that Fannie Mae and Freddie Mac probably won’t play a big role in construction finance, but the Federal Home Loan Banks may expand their participation in the sector. http://www.insidemortgagefinance.com/articles/237762 Thu, 18 Jun 2026 09:08:00 -0400 https://www.insidemortgagefinance.com/articles/237762-despite-dni-gig-pulte-still-making-fhfa-plans jdohnert@imfpubs.com Delinquencies on non-qualified mortgages have increased, but lenders say the performance of the loans should hold up in the long run. http://www.insidemortgagefinance.com/articles/237761 Thu, 18 Jun 2026 09:07:00 -0400 https://www.insidemortgagefinance.com/articles/237761-lenders-comfortable-with-non-qm-performance bivey@imfpubs.com Merchants Bank and Northpointe Bank are putting an increased emphasis on warehouse lending. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237757 Thu, 18 Jun 2026 09:06:00 -0400 https://www.insidemortgagefinance.com/articles/237757-merchants-bank-northpointe-increase-warehouse-share bivey@imfpubs.com The March re-proposal of bank capital requirements could lead to harsher treatment of warehouse lending. On the flipside, the proposal includes incentives for larger nonbanks to seek bank charters. http://www.insidemortgagefinance.com/articles/237773 Thu, 18 Jun 2026 09:05:00 -0400 https://www.insidemortgagefinance.com/articles/237773-capital-proposal-could-hit-warehouse-lending dhollier@imfpubs.com The Broker Action Coalition says that if the borrower pays for a credit report, they should own it, a concept it believes could significantly reduce closing costs. http://www.insidemortgagefinance.com/articles/237769 Thu, 18 Jun 2026 09:04:00 -0400 https://www.insidemortgagefinance.com/articles/237769-brokers-step-up-push-for-portable-credit-scores ewilley@imfpubs.com Radian’s strategy to maximize value from its policies has led it to focus on lower-income first-time homebuyers and balance the higher risk with strong fundamentals like promising home price appreciation. http://www.insidemortgagefinance.com/articles/237709 Thu, 18 Jun 2026 09:03:00 -0400 https://www.insidemortgagefinance.com/articles/237709-radian-takes-calculated-risks-in-pmi-market bivey@imfpubs.com The leaders of UWM and Two Harbors met to discuss an offer to beat CrossCountry Mortgage’s final bid but were unable to reach an agreement or build much trust. http://www.insidemortgagefinance.com/articles/237770 Thu, 18 Jun 2026 09:02:00 -0400 https://www.insidemortgagefinance.com/articles/237770-leaders-of-uwm-two-harbors-express-frustration jdohnert@imfpubs.com A Michigan court held United Wholesale Mortgage in civil contempt and ordered the company to present its CEO for a deposition as part of an ongoing lawsuit regarding the company’s “all-in” initiative. http://www.insidemortgagefinance.com/articles/237748 Thu, 18 Jun 2026 09:01:00 -0400 https://www.insidemortgagefinance.com/articles/237748-ishbia-ordered-to-face-deposition-in-broker-lawsuit bivey@imfpubs.com Originations of jumbo mortgages increased by 50% on an annual basis in the first quarter of 2026. The bulk of the volume is in non-agency jumbos, with the conforming jumbo sector also holding up. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237696 Thu, 11 Jun 2026 12:09:00 -0400 https://www.insidemortgagefinance.com/articles/237696-jumbo-production-market-share-on-the-rise 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 ewilley@imfpubs.com Joe Gormley will continue to act as FHA commissioner after Frank Cassidy announced his formal exit from the position last week. http://www.insidemortgagefinance.com/articles/237712 Thu, 11 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237712-ginnie-head-to-continue-leading-fha-sans-commissioner bivey@imfpubs.com Rocket Mortgage and Cenlar remained the largest subservicers as of the end of March, though LoanCare and ServiceMac gained some ground. (Includes one data table.) http://www.insidemortgagefinance.com/articles/237699 Thu, 11 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237699-loancare-servicemac-gain-subservicing-share-in-1q dhollier@imfpubs.com Critics say the FHFA director is woefully underqualified to lead national intelligence. The impact on FHFA is also unclear. http://www.insidemortgagefinance.com/articles/237701 Thu, 11 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237701-director-pulte-vs-dni-pulte azimmardi@imfpubs.com Next week the Federal Open Market Committee will meet for the first time since Kevin Warsh took over as Fed chair. http://www.insidemortgagefinance.com/articles/237697 Thu, 11 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237697-fed-likely-to-hold-rates-hike-later azimmardi@imfpubs.com Hedging could lessen the shock of prepayments for large banks holding mortgage servicing rights. There aren’t similar offsets, though, to mitigate a surge in defaults, according to research from the Fed. http://www.insidemortgagefinance.com/articles/237700 Thu, 11 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237700-bank-msr-holdings-well-protected-from-prepayments jdohnert@imfpubs.com Two Harbors seeks cash-only offer from UWM; Capital One executive nominated for director of CFPB; SPS settles servicing issues with California; First Federal selling third-party origination business to Mortgage Forward; Sunflower Bank and OceanFirst sell multifamily assets. http://www.insidemortgagefinance.com/articles/237711 Thu, 11 Jun 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237711-grapevine-two-harbors-reopens-talks-with-uwm-cfpb-preps-vought-succession-plan bivey@imfpubs.com Officials at Pennymac note that the correspondent channel has been losing some share to the GSEs. (Includes six data tables.) http://www.insidemortgagefinance.com/articles/237635 Thu, 04 Jun 2026 12:09:00 -0400 https://www.insidemortgagefinance.com/articles/237635-correspondent-share-slips-in-first-quarter-of-2026 dhollier@imfpubs.com Following adoption by the 30-largest lenders, VantageScore will focus on making sure technology providers and smaller lenders are prepared to implement its new credit score model. http://www.insidemortgagefinance.com/articles/237638 Thu, 04 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237638-whats-next-for-vantagescore-40 jdohnert@imfpubs.com Industry analysts believe that the bidding war for Two Harbors Investment could inflate future acquisition prices for servicers. http://www.insidemortgagefinance.com/articles/237640 Thu, 04 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237640-two-harbors-deal-brings-uncertainty-to-m-and-a-market