The conventional-conforming share of first-lien originations declined from 59.2% in 2023 to 56.5% in 2024. Both government-insured products and nonconforming loans gained share. (Includes two data tables.)
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Is the White House being less than forthcoming about job cuts at HUD and DOGE finding “misplaced” funds at the agency? You decide. But mortgage bankers are getting nervous.
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Work may have ceased temporarily at the CFPB while the regulator undergoes leadership changes, but lenders are advised that Home Mortgage Disclosure Act reporting requirements remain in effect.
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Economists caution that forecasts for interest rates on mortgages come with more uncertainty than usual due to Trump administration policies on tariffs and other issues.
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Even though their businesses depend on Fannie and Freddie, private mortgage insurance providers don’t seem worried about the Trump administration’s efforts to release the GSEs from conservatorship.
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Rate is contemplating selling its title unit, a move that comes amid some states capping how much coverage providers can charge consumers. Meanwhile, the nonbank is selling MSRs on a regular basis.
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Trump’s election win stalled the Biden administration’s effort to impose tougher capital requirements for banks. Federal regulators are likely to continue to work on the reforms, but in a more bank-friendly way.
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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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