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Inside Mortgage Finance

February 13, 2025

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Refis a Bright Spot in 2024, First-Timer Homebuyers Plow Ahead

Refinance lending ended 2024 on a high note as interest rates on mortgages declined in the second half of the year. The purchase-mortgage market saw little growth, most of it driven by first-time homebuyer activity. Read More

GSE Footprint Expected to Shrink Under Trump

FHFA may push Fannie Mae and Freddie Mac to increase LLPAs on mission-adjacent loans to drive more loan sales to the private market. Read More

Mortgage Performance Weakens in Fourth Quarter

Late payments increased in all default categories, and foreclosures inched up. Read More

McKernan Picked for CFPB; Staffers Protest Shutdown

Former FDIC board member Jonathan McKernan has been nominated to head the CFPB. Meanwhile a new acting director shut down all agency activities, spurring staff protests and lawsuits. Read More

UWM Open to a Big MSR Sale, But Will It?

UWM is pondering sales of $52 billion of product. Will other sellers follow suit or maybe opt for a bank-financing transaction? Read More

Another Big Hire for Cenlar: A Chief Banking Officer

Subservicing giant Cenlar created the post of chief banking and capital markets officer, hiring JB Long to man the post. Read More

Trump’s War on DEI May Cause Issues for SPCPs

Regulators and lenders will have to figure out how to comply with non-discrimination laws without resorting to the use of DEI. Read More

Insurance Crisis Could Make Properties Unmortgageable

The rising homeowner insurance crisis could make getting affordable coverage or getting coverage at all difficult in some parts of the country and, by extension, make properties in those areas unmortgageable. Read More

Grapevine: APOR Confusion; Gould Nominated to OCC

Absent APOR figure, lenders and mortgage-backed securities buyers would be uncertain whether loans were QM. 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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