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Inside Mortgage Finance

December 19, 2024

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Home Equity Lending Steady in Third Quarter

There’s plenty of home equity available to homeowners but interest rates are constraining originations of home equity loans. Banks remained the top three originators of home equity loans in the third quarter. (Includes three data tables.) Read More

French Hill Selected to Chair House Financial Services Committee

The Arkansas Republican is a former banker who served as deputy assistant secretary of the Treasury in the George H.W. Bush administration. Read More

Mortgage Lenders’ Love-Hate Relationship With the CFPB

Elon Musk’s call to “delete” the CFPB hasn’t found many takers. According to mortgage industry participants, the consumer watchdog has provided stability to the industry post the 2008 financial crisis. Read More

Lending Against MSRs? Why Not, Warehousers Ask

Not all warehouse lenders have jumped into the MSR-finance pool, but that could change over time. Read More

CBO: GSEs Are Better Prepared for Release

A report by the non-partisan Congressional Budget Office concludes that Fannie Mae and Freddie Mac are more likely to hold successful public stock offerings now than when Trump first took office in 2020. Read More

Use of Discount Points Up, Nonbanks Stand Out

The share of borrowers using discount points has more than doubled since 2020. The use of discount points is more common among nonbanks. Read More

Freddie, FHFA Fail to Properly Report Appraisal Bias Claims

An OIG report found issues with reporting of appraisal bias by Freddie Mac and the Federal Housing Finance Agency. Read More

Planet Financial Upsizes Debut Debt Deal, Paying 10.5%

On the surface, the yield looks expensive for the issuer but in a rising interest rate environment, maybe it’s not. Read More

Positive Signs in Housing Inventory, Demand for 2025

Home purchases are expected to increase next year as demand continues to be strong and rates fall slightly. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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