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Servicing

Securitization standards evolve for mortgages, home equity

Capital markets, MBS, Politics and policy, Secondary markets, Servicing /

The mortgage securitization market is facing two significant shifts: a proposed regulatory change that could reduce risk weights for private-label MBS, and an industry push for due diligence standards aimed at keeping up with surging growth in second-lien products. Processing Content The risk weighting for investment-grade MBS in the private market would fall from 20% […]

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Why servicing is so important to mortgage originators now

M&A, Servicing /

The change in the rate environment has revived a focus on servicing this year for originators, which may account for some of the current merger and acquisition fervor. Processing Content Not only has the recapture rate nearly doubled since 2023 and has March’s trigger lead ban implementation restricted the ability of outside lenders to compete

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Home insurance rate hikes may be cooling off

Homeowners insurance, Housing affordability, Servicing /

The rapid acceleration of home insurance costs may be approaching an inflection point after growth cooled considerably last year, according to a new report from Rate Cos.  Processing Content The average premium increased 9.2% in 2025, rising to $2,205 from $2,020 the prior year, with moderation resulting in the slowest growth pace since 2020. Last

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AI adoption in mortgage servicing is accelerating, BlackWolf says

Artificial Intelligence, HWmember, Mortgage, Mortgage Servicing, Servicing, Stratmor Group, Technology /

A new white paper from BlackWolf Advisory Group says adoption of artificial intelligence in mortgage servicing is accelerating as firms seek to reduce costs, improve compliance and automate routine tasks. While the paper says servicers are ready and actively adopting AI, regulatory scrutiny and legacy technology systems remain as major barriers. The paper, titled “Mortgage

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Basel III relief could turn mortgage bankers into bank owners

Capital markets, Politics and policy, Secondary markets, Servicing /

The Basel III endgame proposal’s full benefit related to the capital treatment of servicing rights is not yet clear, but the promise of it is enough for independent mortgage banks to begin running the numbers and what they’re finding could reshape how the industry is structured.    Processing Content “Normally when an IMB gets either

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Zombie foreclosures rise in most states, report finds

Distressed, Foreclosures, Servicing /

The number of homes abandoned during the foreclosure process, known as “zombie foreclosures,” increased in the majority of states this quarter, an industry report found. Processing Content Zombie properties rose quarter over quarter in 38 states and the District of Columbia, according to Attom’s latest Vacant Property and Foreclosure Report.  Out of the 104.9 million

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FHA servicers brace for slow, steady delinquency climb

Distressed, FHA, Mortgage Bankers Association, Servicing /

The increased workload from recent changes in Federal Housing Administration-backed loan servicing means any future strategy to counter today’s rising numbers must include engagement to change borrowers’ mindset, mortgage leaders say. Processing Content Years of relief measures introduced during the COVID-19 pandemic, beginning with automatic forbearance following any stated financial hardship, created a change in

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How top mortgage execs are contending with 2026’s challenges

How top mortgage execs are contending with 2026’s challenges

Capital markets, Credit, Mortgage Rates, Secondary markets, Servicing /

From left: Michael Lau, Bayview Asset Management; Michael Patterson, Freedom Mortgage; and Jay Plum, Fifth Third Bank Inflation is creating lending hurdles related to consumer spending and rates this year, as could another move the Fed’s eyeing; but lenders will have some coping mechanisms, industry leaders said Tuesday. Processing Content One thing to watch out

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Two Harbors postpones CrossCountry acquisition vote

M&A, Servicing /

The Two Harbors acquisition saga will continue for at least one more week, after the company adjourned a shareholder meeting Tuesday.  Processing Content The servicer said it postponed its special meeting to provide additional time for Two Harbors to solicit additional proxies, and for shareholders to vote in favor of the CrossCountry Mortgage bid. The

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Ginnie Mae’s Joseph Gormley sounds the alarm on ‘risk-layered’ FHA portfolios

Delinquencies, FHA, FHA loan, Ginnie Mae, Government Lending, HWmember, LendingLife, Mortgage, Mortgage Servicing, Servicing /

Ginnie Mae President Joseph Gormley, who is also serving as acting commissioner of the Federal Housing Administration (FHA), said the counterparties participating in Ginnie Mae’s program have evolved significantly since the Great Financial Crisis, with greater exposure to independent mortgage banks (IMBs) that have invested heavily in governance and risk management. Still, he cautioned that

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