Inside Mortgage Finance: What the Mortgage Market Reads, since 1984. Industry Data, News & Analysis. Also on LinkedIn: https://nitter.cf/t.co/qGrSzwHUwb
Bethesda, Md.
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During the first Trump administration, when FHFA was led by Mark Calabria, there was plenty of thought put into GSE reform. “We haven’t seen the same kind of policy development from the second Trump administration,” industry veteran Sam Valverde said. insidemortgagefinance.com/ar…
The two largest servicers in the industry (Rocket and Chase) reduced their portfolios during the third quarter of 2026 even as overall servicing outstanding continued to climb, according to a new ranking and analysis by Inside Mortgage Finance. insidemortgagefinance.com/ar…
The National Urban League and the Massachusetts Association of Community Development Corporations have filed suit challenging the CFPB’s elimination or narrowing of the “critical, longstanding protections” of Reg. B, which implements the ECOA. insidemortgagefinance.com/ar…
Investments in AI are starting to generate results for mortgage companies, but challenges remain. insidemortgagefinance.com/ar…
ALT “Anyone can vibe code something that works. But how do you get that from something that works really nice on somebody’s one computer to where it’s institutional and safe from a cyber perspective? That has been a real challenge for us.” - Maren Kasper, CEO of Lakeview Loan Servicing, on the challenge of creating AI solutions that can scale.
Redwood’s capital markets team has started using AI for pricing, both to help inform bids on pools and to gauge how a pool of loans might sell via a securitization. The team is also using AI to do what a quantitative analyst would do. insidemortgagefinance.com/ar…
Ten Democratic state attorneys general have urged a federal district court to deny a motion by the Office of the Comptroller of the Currency in a lawsuit about final rules from the OCC on mortgage interest and preemption. insidemortgagefinance.com/ar…
Freddie Mac’s available total capital jumped from $6 billion at the beginning of the year to $16 billion on Sept. 30. insidemortgagefinance.com/ar…
Redwood Trust appears to have issued around $2.91 billion of non-agency MBS across six private deals in the first half of 2026. The deals might also have been redeemed shortly after being issued, according to a disclosure from Redwood. insidemortgagefinance.com/ar…
Many lenders may sell soon because they no longer have cash on hand to survive another challenging market, says industry consultant Rick Roque. “They’ve been through their market hurdles and they’re out of gas. They don’t have it in them for another run.” insidemortgagefinance.com/ar…
Onity Group generated $4.5 million of net income in the third quarter of 2026 after taking an $11.9 million loss the prior quarter. In the third quarter of 2025, Onity had an $18.7 million profit. insidemortgagefinance.com/ar…
As of the end of September, 84 lenders were signed up to use FICO Score 10T, up from 70 at the end of June, according to FICO. The company added that it has seen “no evidence of meaningful volume loss to competition” in terms of mortgage scoring activity. insidemortgagefinance.com/ar…
Data inventory management at the CFPB is now conducted by one person, limiting the bureau’s ability to maintain comprehensive visibility into the data assets it’s responsible for protecting, according to the OIG’s fiscal year 2026 audit. insidemortgagefinance.com/ar…
For businesses investing in technology, the investments in efficiency pay off only if the business grows, Freedom Mortgage CEO Stan Middleman said. What tech like AI “gives you is the capacity to scale without disrupting your expense structure.” insidemortgagefinance.com/ar…
Fannie Mae disclosed that Omeed Malik resigned from the board of the government-sponsored enterprise Oct. 30. A replacement hasn’t been appointed. Malik joined Fannie’s board in April 2025. insidemortgagefinance.com/ar…
A total of $163.37 billion of collateralized loan obligations and collateralized debt obligations came to market during the third quarter of 2026, according to a new analysis by Inside MBS & ABS. That represented a 22.5% jump from the second quarter. insidemortgagefinance.com/ar…
FICO’s business-to-business scoring revenue hit $356 million in the third quarter of 2026, up by 39% compared with the third quarter of 2025. FICO said the increase in revenue was “primarily attributable to a higher mortgage origination scores unit price.” insidemortgagefinance.com/ar…
Rocket Mortgage reported $1.21 billion in net GOS and originated MSR in 2Q, a 12.4% decline from 1Q. Rocket’s $450 million in net servicing income was down 24.7% from 1Q. Dig into company-specific earnings results in IMF’s Mortgage Profitability Report. insidemortgagefinance.com/pr…
The share of mortgages delivered to the GSEs with an LTV ratio of between 81% and 97% increased from 37.08% in the second quarter to 42.29% in the third. The share of mortgages with a credit score of between 620 and 699 increased from 9.40% to 10.97%. insidemortgagefinance.com/ar…
Annaly Capital Management’s Onslow Bay Financial was one of the few lenders among the top 50 to increase its volume during the third quarter, up 15.5% to $6.36 billion, according to a new ranking and analysis by Inside Mortgage Finance. insidemortgagefinance.com/ar…
Some of the options listed in the recent EO on housing, like waiving verification of income and other documentation requirements, generally won’t reduce closing costs, but it could reduce the time it takes to close loans, says @GoldmanSachs’ Arun Manohar. insidemortgagefinance.com/ar…