Agency refis with primary MI skyrocketed in the fourth quarter of 2024 while purchase-mortgage business declined somewhat. Lenders tightened underwriting standards on refis as volume flowed. (Includes three data tables.)
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Bill Pulte, Trump’s choice to run the FHFA, is a scion of a homebuilding industry giant, but his background is mostly in private equity and philanthropy.
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The Trump administration will likely take starkly different positions on housing and the mortgage market compared with the Biden administration. Expect changes at the GSEs, while a reduction to FHA mortgage insurance premiums looks unlikely.
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It’s not every day that an expanded-credit specialist branches out into conventional funding. But that’s what A&D Mortgage is doing via its acquisition of Flagstar’s TPO unit.
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Depository institutions posted nice gains in MSR values in the fourth quarter, thanks to rising interest rates. But higher rates come at a cost in the form of lower originations.
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Republicans, who have long opposed the bi-merge credit scoring model, now control Congress. That, combined with Trump’s “regulatory freeze,” could spell the end of this part of credit report reform.
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Some homeowners’ properties may be underinsured due to disparities in flood-risk mapping, according to the Consumer Financial Protection Bureau.
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WaFd Bank is ending its mortgage origination activity; TD Bank is considering selling jumbo mortgages; some banks are still increasing their mortgage business; President Trump issues order on housing, freezes regulatory efforts.
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Some SWFs in other countries have extensive ownership interests in major corporations and sweep much of their profits into state coffers.
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