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Inside Mortgage Finance

January 9, 2025

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Agency Market Grew in 4Q Despite December Refi Bust

Many top-tier sellers in the agency single-family market recorded massive increases in sales of rate-term refinances in the fourth quarter — but the refi market cratered in December. Read More

Mortgage Lenders Looking to Retain More Servicing in 2025

Nonbanks, and even some large banks, would like to keep more of the servicing rights they create this year. But if origination profits sputter, all bets could be off. Read More

CFPB Issues Final Rule to Wipe Medical Debt Off Credit Reports

The regulator estimates that the move will prompt a jump in mortgage originations. The rule is largely unchanged from an earlier proposal despite concerns raised by mortgage companies. Read More

CFPB Sues Vanderbilt Mortgage Over Risky Loans

The manufactured home builder allegedly made loans for borrowers while knowing they could not afford to pay back the loan. Read More

Industry Skeptical of Biden Admin’s PSPA Amendments

Lenders doubt the changes agreed to by FHFA and Treasury will hasten the end of the conservatorships; they may even delay it. Read More

Trump Admin Could Move to Limit GSE Business, Again

Lenders are concerned that the incoming Trump administration might reinstate limits on GSE acquisitions, repeating an action from the first Trump administration. Read More

California Regulation Aims to Boost Wildfire Insurance Coverage

The new regulation will allow the costs of reinsurance to be passed down to homeowners and potentially increase coverage in high-risk areas. Read More

Some Early, Ominous Signals for Mortgage Lending

Mortgage bankers are trying to stay optimistic about the coming months but interest rates are rising, applications are down and inflation hasn’t been fully tamed. Read More

Grapevine: Leadership Shakeup at Fed; States, NAHB Sue HUD

Michael Barr to step down as Fed vice chair for supervision; fifteen states and the National Association of Home Builders sue HUD over energy-efficiency requirements; Ally to exit origination business. Read More

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