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Inside Mortgage Trends

October 4, 2024

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Fannie/Freddie Risk Profile Mixed in Third Quarter

Sellers to the GSEs sold a larger share of new single-family mortgages with lower credit scores in the third quarter of 2024. But they also in-creased deliveries of mortgages with lower loan-to-value ratios. (Includes two data tables.) Read More

Agency MBS Activity With MI Continues to Increase

Purchase mortgages with primary mortgage insurance pooled into agency MBS increased by 9.7% from the second quarter, while refinance volume spiked by 40.2%. (Includes two data tables.) Read More

Standardization Can Help Mitigate Risk Tied to Remote Work

Companies should implement consistent trainings for all new hires to help mitigate risk and create standard expectations. Read More

Survey Finds More Deals Failing Due to Contingency Issues

Loan officers are increasingly offering clients buy-before-you-sell products to help them beat contingencies issues, according to HomeLight, a provider of buy-before-you-sell products. Read More

Lenders Urged to Lean Into New Quality Assurance Tools

New technologies such as electronic closings, data validation services and income calculators are helping to increase quality assurance standards and mitigate risk, according to panelists at MBA’s compliance and risk management conference. Read More

Climate Think Tank Proposes State Housing Resilience Agencies

The Climate and Community Institute released a housing resiliency policy plan to confront the homeowners insurance crisis that has been exacerbated by climate disasters. Read More

Mesa Raises Funding for Homeowner Rewards Program

Mesa’s funding round included investments from Vera Equity, Redwood Trust Horizons and Clocktower Ventures. Read More

Grapevine: Mixed Trends in Lending; Annaly Taps Rocket

Interest rates tick up, mortgage applications slow near the end of September and refi rate locks spike during the month; Annaly turns to Rocket for subservicing and retention; Fairway touts returning employees; mortgage tech developments; SitusAMC sells loan insurance entity. Read More

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