After noting a decline in market share during the second quarter, nonbanks increased their share of originations to 65.5% in the third quarter. The increase was driven by the largest nonbanks.
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There are at least two Canadian banks actively soliciting nonbanks for warehouse lines of credit. The moves come with the hope that originations will improve in 2025.
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Despite a lack of historical data on FICO 10 T, Urban Institute researchers find positive signs that the shift away from Classic FICO to VantageScore 4.0 and FICO 10 T will not dramatically impact loan performance.
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The next step to revise capital requirements for large banks is undetermined, two mortgage efforts at the CFPB will fall to a Republican appointee and FHFA’s planned reforms for the FHLBanks face uncertainty.
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The new year is underway but not all high-volume producers have signed contract renewals. Some headhunters are advising management not to drag their heels, lest they run the risk of losing their best asset.
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Starting in March 2026, residential mortgage protections will apply to Property Assessed Clean Energy loans. Mortgage industry groups and consumer advocates applauded the move.
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The creation of a U.S. sovereign wealth fund could grease the skids for an end to the conservatorships of Fannie Mae and Freddie Mac.
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