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Inside Mortgage Finance

December 5, 2024

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Correspondent, Broker Channels Gain Share in 3Q

Originations through the retail channel increased during the third quarter of 2024, but correspondent and broker production grew at a faster pace. The retail share of total first-lien originations declined to 50.8%. (Includes six data tables.) Read More

More Pessimistic Outlook for Mortgages Following Election

The increase in the 10-year Treasury rate following the November election and changes in expectations for interest rates have prompted economists to revise down their projections for originations in 2025. Read More

Turbulence in Subservicing Market in Third Quarter

Subservicing balances are declining across the spectrum, but not all vendors are suffering. Cenlar remains the market leader, but Mr. Cooper, ranked second, is no slouch. (Includes data table.) Read More

CFPB’s Data Broker Proposal Would Hinder Mortgage Advertising

A provision in the proposed rule that would limit sales of “credit header” information only to users who have a permissible purpose to obtain it would restrict the ability of lenders to advertise mortgage products. Read More

Renewing the Conforming Loan Limit Debate

Automatically increasing the caps for loans to be eligible for sale to the GSEs increases access to mortgage credit, but at the expense of increasing home prices. Read More

Lenders Urged to Increase LO Awareness of DPA Offerings

Lenders could increase originations of mortgages from first-time homebuyers if they did more to educate their loan officers on downpayment assistance programs. Read More

Planet Home Preps $400 Million Debt Offering

If the $400 million unsecured debt offering is successful, might other nonbanks follow in its wake? Read More

Appraisal Industry Poised for Tech-Driven Revamp

The appraisal industry will soon experience major updates via the GSEs’ migration to the Uniform Appraisal Dataset 3.6. Read More

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