By Dick Kazarian, Managing Director - Borrower Analytics Group - January 2026 The Adoption Of Alternative Credit Scores Within The Mortgage Industry Continues To Evolve As widely reported in numerous trade publications, FICO and the FHFA have recently reached an agreement for the release of historical FICO-10T data with various loan-level single-family datasets. According to... Read more »
Bid Date: December 12, 2025 - 10 AM EST MIAC Analytics is pleased to announce the offering of scratch and dent residential mortgage loans. The seller is a nonbank mortgage lender. Investment Opportunity: Collateral Type: Scratch and Dent Loans Current UPB: $26,249,610 Average UPB: $359,584 WAC: 5.229% WA FICO: 749 WA Term: 358 WA Orig... Read more »
By Mike Carnes, Managing Director - MIAC MSR Valuations Group - December 2025 The Evolving Role of Recapture in Today’s MSR Market Recapture continues to play a meaningful and increasingly visible role in MSR pricing, borrower behavior, and portfolio strategy. Even as primary mortgage rates hover in the low- to mid-6% range, recapture activity continues... Read more »
MIAC’s Whole Loan Pricing Report – November 2025 provides insight into agency pricing trends, Treasury yield shifts, and liquidity conditions across whole loan markets. Market Commentary Agency pricing improved in November. Pricing on the UMBS 5.0 was 99.55 to end October and rose to 99.79 at month end, a +0.241% change in price. The 10... Read more »
Bid Date: 12/10/2025 5:00 PM EST MIAC Analytics, as the exclusive representative for the Seller, is pleased to offer for your review and consideration a $1.36 Billion Agriculture Loan Servicing Rights Portfolio. The portfolio is being offered by a company that originates loans with a concentration in the Southeastern US. The Seller will be providing... Read more »
MIAC’s Whole Loan Pricing Report – October 2025 provides insight into agency pricing trends, Treasury yield shifts, and liquidity conditions across whole loan markets. Market Commentary Agency pricing improved in October. Pricing on the UMBS 5.0 was 99.14 to end September and rose to 99.55 at month end, a +0.414% change in price. The 10... Read more »
By Mike Carnes, Managing Director - MIAC MSR Valuations Group Fair Market Value Update Following the Federal Reserve’s recent 25-basis-point rate cut, mortgage rates initially moved lower but have since leveled off. Market sentiment has moderated in response to Chair Powell’s recent comments, which suggested that additional rate reductions in 2025 are not guaranteed. MIAC’s... Read more »
MIAC Analytics is representing a Chattel mortgage originator seeking a buyer for a flow purchase arrangement on new production. Seller has recently closed out an ~$50mm commitment to an Institutional Buyer and expects to deliver $10MM–$20MM in monthly production. Opportunity Highlights Production: Platform with the ability to fill buyer specific guidelines through built out origination... Read more »
Bid Date: 11/06/2025 5:00 PM EST MIAC Analytics, as the exclusive representative for the Seller, is pleased to offer for your review and consideration a $6.71 billion Fannie Mae, Freddie Mac, and Ginnie Mae mortgage servicing rights portfolio. The portfolio is being offered by a mortgage company that originates loans with a concentration in... Read more »
MIAC’s Whole Loan Pricing Report – September–October 2025 provides insight into agency pricing trends, Treasury yield shifts, and liquidity conditions across whole loan markets. Market Commentary Agency pricing improved in September. Pricing on the UMBS 5.5 was 100.58 to end August and rose to 100.81 at month end, a +0.229% change in price. The 10... Read more »
