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Inside Mortgage Finance

January 11, 2024

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Agency Servicing Ranking Shaped by 4Q23 MSR Sales

Ginnie Mae remained the fastest-growing sector of the agency servicing market in the fourth quarter, while Fannie Mae posted a small decline. (Includes two data tables.) Read More

Biden Admin Could Lean on GSEs in Election Year

The latest mortgage rumor in the nation’s capital: President Biden might turn to Fannie and Freddie in an attempt to push down borrowing rates, thus aiding his reelection chances. Read More

Bank Regulators to Increase Scrutiny of Warehouse Lending

Based on a new proposal, it would seem that banking regulators are paying closer attention to how much money federally insured depositories are lending to nonbanks. Read More

VA Warns Industry to Comply With Loan Assumption Requests

Mortgage lenders and servicers must process loan assumptions in accordance with regulations or could face penalties, the VA cautioned. Read More

Budget Talks in Congress Could Impact HUD

House and Senate leadership have agreed to a topline budget number of $773 billion in non-defense spending for fiscal 2024. Read More

At Some Mortgage Shops, Plans to Hire…

Consultant Paul Hindman may have said it best: “Hiring, then firing is just too painful.” The good news is that thanks to lower rates and the spring homebuying season approaching, originators soon may be hiring again. The bad news: It won’t be huge. Read More

Court Upholds Conviction of Borrower for Lies to Servicer, FDIC

A mortgage borrower lost an appeal of a district court decision that he lied to a servicer and to the FDIC about the amount of debt he owed. Read More

loanDepot Faces Operational Difficulties Amid Cyberattack

A cyberattack this week forced loanDepot’s servicing portal to go offline and its online loan applications process to stop working. Read More

Another Explanation for Low Appraisal Values

Appraisers are supposed to adjust the value of comparable properties to account for home price appreciation. FHFA found that most either don’t make these time adjustments or make them too small. Read More

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