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Inside Mortgage Finance

October 17, 2024

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Primary MI Activity Up in 3Q, Purchase Mortgages Lag

Purchase mortgages and refis increased across the board in the agency MBS market in the third quarter, with the strongest growth seen in refis that carried primary mortgage insurance. (Includes three data tables.) Read More

Mixed Trends in Lending at Big Banks in Third Quarter

Many large banks increased mortgage production in the third quarter. Though at some banks, revenue and margins came down. Read More

Ginnie Working to Help Nonbanks With Liquidity

Ginnie Mae Acting President Sam Valverde believes long-term commitment of resources could allow the agency to do more to address nonbank liquidity challenges. Read More

Rising Mortgage Rates Deflate Demand for Home Loans

The refi boom fizzled in recent weeks as mortgage rates increased. Now it’s a waiting game for lenders and borrowers, with rates expected to go down, eventually. Read More

TD Bank Faces Asset Cap; Wells Fargo Looks Forward

TD Bank plans to sell some of its jumbo mortgages and a correspondent business to free up asset space under a new cap set by the OCC. Wells Fargo, meanwhile, appears to be nearing a release from its cap. Read More

DOJ Reaches its First Redlining Settlement With a Credit Union

Citadel Federal Credit Union said the alleged redlining was an inadvertent outcome from its push into digital services. Read More

Homebuyers Look to DPA Programs to Offset Rising Costs

Borrowers are seeking more information about downpayment assistance programs as home prices continue to increase. Read More

Another Argument for Title Insurance: The Commons

A white paper describes public land records as a “commons” that must be protected from “free riders” that have no stake in its curation. Read More

Massachusetts Settles With Servicer Over ‘Zombie’ Debt

The settlement between Franklin Credit Management and the Massachusetts attorney general will require the servicer to cease collecting or attempting to collect on “zombie” second liens in the state. Read More

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