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Inside Mortgage Finance

October 3, 2024

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Agency Business Rises in 3Q24, Ginnie Keeps Gaining

The agency market may need continued growth in refinance lending to sustain the third quarter’s increase in single-family business. Fueled by surging refi volume, Ginnie grew its share of agency MBS issuance. (Includes two data tables.) Read More

Production Gains Could Continue Into Fourth Quarter

Although the origination tally for the third quarter won’t be ready for a few weeks, it feels like it was the best of the year. And some CEOs think the fourth quarter could be even better. Read More

Helene Unleashes Destruction; Industry Offers Aid

There’s a large gap between damage from Hurricane Helene and what will be covered by the National Flood Insurance Program and the private property insurance market, according to CoreLogic. Read More

Lenders Face Some Uncertainty With GSE Loan Limit

It’s possible that some large lenders are offering 2025 conforming loan limits that are higher than where FHFA will set the limits. If that’s the case, there could be complications but no major concerns. Read More

Insurance Companies Defend Their FHLBank Membership

Insurance companies were some of the largest originators of mortgages when the FHLBanks were created, but that’s no longer the case. Read More

Lawmakers Debate Federal Housing Funding

Members of the Senate Budget Committee debated whether federal funding has any role to play in boosting the supply of affordable housing. Read More

United Wholesale Mortgage Prevails in Antitrust Lawsuit

A Florida broker’s complaint alleging UWM violated antitrust laws and attempted to monopolize the wholesale mortgage market failed, after no plausible evidence was provided. Read More

No Immediate Impact From Changes Post NAR Settlement

A majority of real estate agents surveyed said it’s business as usual following changes in how buyer’s agent commissions are paid. Read More

Will New Capital Plan Boost Onity’s Share Price?

Onity owns roughly $123 billion of MSR and has a growing subservicing business. But still, the market treats its stock like a leper. Might de-leveraging help? Read More

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