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Inside Mortgage Finance

March 27, 2025

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Home Equity Lending Slows in Fourth Quarter

The amount of available home equity ticked down during the fourth quarter and lenders saw a fall in demand from homeowners for home equity loans. Still, for the full year, home equity lending increased by 10.8%. (Includes three data tables.) Read More

Court Extends Temporary Order Blocking Federal Layoffs

A federal court judge this week extended a temporary order pausing mass layoffs at federal agencies, including at the CFPB and HUD, by five days. Read More

Green Shoots for Warehouse Financiers in Fourth Quarter

Warehouse commitment levels are on the rise, a sign — perhaps — of better days ahead. Meanwhile, JPMorgan continues to dominate the space. (Includes data table.) Read More

Purchase-Mortgage Borrowers Face Obstacles at Key Time

The spring homebuying season might not be as strong as initially expected. Interest rates are challenging and employment trends are faltering, reducing demand for purchase mortgages. Read More

MSR Prices Elevated as Investors See Limited Supply

One bidder recently agreed to pay north of 6.25 times the servicing fee for a high dollar volume of agency MSR. Sound crazy? Maybe, but servicing prices are at a 25-year high for low-coupon product. Read More

Bessent Suggests GSEs for U.S. Sovereign Wealth Fund

The creation of a U.S. sovereign wealth fund could grease the skids for an end to the conservatorships of Fannie Mae and Freddie Mac. Read More

HUD Boots Non-Permanent Residents From FHA

Non-permanent U.S. residents are no longer eligible for FHA mortgages, following a policy change announced this week. Read More

Immigration Policies, Tariffs to Deepen Affordability Crisis

Moves by the Trump administration on immigration and tariffs look likely to make housing less affordable. Read More

Lenders Likely to See More Lawsuits by Borrowers

Several consumer protection statutes provide borrowers a private right of action, including the Truth in Lending Act. Read More

CDFI Fund Appears Safe From Potential Cuts

Recent communications from the White House seem to affirm that the CDFI Fund won’t face drastic cuts following a recent executive order. Read More

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