A good year for FHLB’s affordable housing programs; New York law evens up treatment of insurer and bank members; Freddie sells NPLs.

The delinquency rate on loans in Ginnie Mae MBS increased at a much faster pace than that on loans in GSE MBS, with the total delinquency rate for FHA mortgages hitting 10.90% at the end of September.

Loan originators using AI are seeing significant gains in productivity. Use cases range from non-consumer-facing activities to voice bots that interact with loan applicants.

When g-fees increase, lenders unable to pass the added cost through to all borrowers tend to ration credit by rejecting more loans and charging higher rates, according to new research.

Delayed financing offers a way for all-cash homebuyers to quickly tap the equity in their home.

Nonbank mortgage companies looking to survive a tough originations environment must double down on independence, form strategic alliances or cash out through mergers or acquisitions, according to Stratmor.

Trade groups representing smaller lenders called on the Trump administration to prompt the GSEs to increase their holdings of MBS as a way to reduce mortgage rates.

Issuance of specified-pool MBS in the third quarter was up 21.5% at Freddie Mac. The biggest increase was in pools of loans on New York properties.

Researchers at S&P Global used the difference between Classic FICO scores and the scores of VantageScore 4.0 to assess the impact of trended data.

Real estate investment trusts that focus on agency MBS increased their earnings in the third quarter, helped by interest rate trends.