Nonqualified mortgage (non-QM) originations are on track to set another post-crisis record in 2026, as debt-service-coverage ratio (DSCR) and investor loans fuel growth in a still high-rate environment, according to a new Bank of America Securities report.

In terms of non-QM securitizations, insurance demand for bonds remains strong and investors are looking for high-quality, jumbo-like loans flowing through the channel — referred to in the report as “fumbos.”

Non-QM production is expected to reach $175 billion in 2026, compared to $108 billion in 2025. DSCR and investor products details ⇒

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