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Inside Mortgage Finance

January 30, 2025

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Originations Tick Up in 4Q, Capping Year of Growth

Originations of first liens increased slightly in the fourth quarter. For the full year, production was up nearly 15% compared with 2023 as lower interest rates helped to boost lending. (Includes two data tables.) Read More

Trump-Led Shake-Up of Federal Agencies Dragging

The Trump administration’s failure to name acting directors for key federal agencies leaves them either under the control of Biden appointees or without a presidentially appointed leader. Read More

Trump Rescinds Funding Freeze That Unsettled Market

For hours, it was unclear whether a White House memo freezing federal funding would impact mortgage programs. In the meantime, government agencies announced that their single-family mortgage programs were unaffected by the planned funding pause. Read More

Mortgage Industry Seeks Tax Break; Offsets Considered

The Section 199A deduction for pass-through entities is set to expire at the end of this year. The Mortgage Bankers Association is pushing for an extension, which appears likely. The question is how Congress will pay for massive tax breaks. Read More

The Shifting Sands of Warehouse Finance

The warehouse lending business remains profitable, but that doesn’t mean the sector is without challenges. There’s been two recent exits, but on the plus-side, the nation’s ninth-largest warehouse shop has filed for an initial public offering with plans to quickly double its business. Read More

California Wildfires May Push Home Values Down

The wildfires in California may prompt a rare decline for home prices in the Golden State. Read More

Cenlar Considers Financing MSR, Warehouse Lending

Cenlar, a warehouse lender? It would like to be, but first the subservicing giant has to escape the regulatory jaws of the OCC. Read More

Odds Increase for Trigger Lead Bill in Congress

The House Financial Services Committee is now led by Rep. French Hill, R-AR, who is considered a staunch supporter of the legislation. Read More

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