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Inside Mortgage Finance

September 12, 2024

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Broker Channel Loses Some Share in Second Quarter

United Wholesale Mortgage faced a minor setback in its quest to have brokers account for 50% of mortgage originations. Both the retail and correspondent channels gained market share in the second quarter. (Includes six data tables.) Read More

Re-Proposed Basel III Endgame Will Have Concessions for Mortgages

Federal regulators are set to re-propose Basel III capital requirements for large banks. Federal Reserve Vice Chair Michael Barr will recommend eliminating a proposed 20% risk-weighting add-on for mortgages. Read More

Warehouse Activity Increases, Another Exit Though

Nonbank originations in the primary market appear to be on the upswing with just over three months to go in the year. That’s good news for warehouse providers, but another financier is departing. (Includes data table.) Read More

Trade Groups Urge CFPB to Reconsider Servicing Proposal

While trade groups want the CFPB to update Regulation X’s mortgage servicing standards, a recent proposal from the CFPB received mixed reviews. Read More

Home Equity Investments Offer Vast Potential, Risks

Home equity investments allow homeowners to receive cash in exchange for a share in home price appreciation. Activity in the sector has grown to the extent that there was a conference dedicated to HEIs last week. Read More

Rocket Working to Increase Share in Wholesale Channel

Rocket Mortgage is taking steps to boost its market share and production of purchase mortgages. That includes an effort to increase wholesale lending. Read More

M&A: Rocket Targets MSRs, Distillery Buys Lender

Believing in its prowess as a servicing recapture expert, Rocket Mortgage is itching to buy MSR packages. In other M&A news, a distillery wants to enter the origination business. Think of the cross-selling opportunities! Read More

Interest Rate Cuts Could Lead to a Refi Ripple

Lower rates this winter could create a small boost in refi volume, but don’t expect a massive wave of refis like a few years ago. Read More

Grapevine: Harris Touts Housing Plans; Trump Floats Mortgage Proposal

Harris reiterates housing plan at debate; Trump vows to prohibit mortgages for undocumented residents; CFPB plans open banking rule for mortgages; Rocket to rebrand. Read More

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