New capability comes as FHFA directs Fannie Mae and Freddie Mac to approve VantageScore 4.0 for all lenders NOVI, Michigan, September 10, 2026 — Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, today announced that its capital markets platform now supports the

Chris Bennett is chairman of mortgage industry hedge advisory firm Vice Capital Markets, now in its third decade of service to mortgage lenders across the country. Mortgage industry consolidation ramped up significantly in 2025. HousingWire tracked 62 mergers, acquisitions, exits, investments and joint ventures across originators, servicers, technology platforms and

Two pricing decisions separated the lenders that hit their return-on-equity targets in 2023 and 2024 from the ones that struggled to break even. Both still apply. After two of the leanest years on record in 2023 and 2024, one pattern is hard to miss. The mortgage lenders that consistently make

NOVI, Michigan, July 14, 2026 — Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, today announced the appointment of Terry Aikin as executive vice president, strategic growth. With more than three decades of experience across mortgage banking, risk management and capital markets, Aikin

NOVI, Michigan, May 7, 2026 — Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, today announced the public release of the Vice Capital Par Note Rate, a proprietary daily mortgage rate benchmark designed to provide a distinct, market-based view of mortgage pricing.

NOVI, Michigan, April 9, 2026 — Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, announced today that it now supports new 30-year fixed-rate specified-cash payup commitment grids from Fannie Mae, which became effective April 9, 2026. The new commitment grids include:  

NOVI, Michigan, April 6, 2026 — Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, that two new Freddie Mac Cash-Specified Payup Types (CSPTs) for 30-year fixed-rate mortgages are now available through Vice Capital for both mandatory and best-efforts executions. The new payup

Chris Bennett is chairman of mortgage industry hedge advisory firm Vice Capital Markets, now in its third decade of service to mortgage lenders across the country. More than 15 years after being placed into conservatorship, Fannie Mae and Freddie Mac continue to play a central role in the functioning of

Why longer terms and portability sound appealing, but execution, liquidity and pricing still matter most   By Chris Bennett Affordability pressures, elevated mortgage rates, and homeowner rate lock-in have pushed once-fringe mortgage ideas back into the spotlight. Concepts such as 50-year mortgages, portable mortgages, and assumable loans are being discussed as potential solutions.