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Cenlar Considers Financing MSR, Warehouse Lending

January 29, 2025
Paul Muolo
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

January 29, 2025
Shannon Clark
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

Industry Guardedly Optimistic on Pulte’s Nomination

January 23, 2025
Dennis Hollier
Bill Pulte, Trump’s choice to run the FHFA, is a scion of a homebuilding industry giant, but his background is mostly in private equity and philanthropy.
Read More

Sharp Swings Expected on Federal Housing Policies

January 23, 2025
Brandon Ivey
The Trump administration will likely take starkly different positions on housing and the mortgage market compared with the Biden administration. Expect changes at the GSEs, while a reduction to FHA mortgage insurance premiums looks unlikely.
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Cost of a Wholesale Unit: Just About Zero

January 23, 2025
Paul Muolo
It’s not every day that an expanded-credit specialist branches out into conventional funding. But that’s what A&D Mortgage is doing via its acquisition of Flagstar’s TPO unit.
Read More

The MSR Value Accordion: Down in 3Q, Up in 4Q

January 23, 2025
Paul Muolo
Depository institutions posted nice gains in MSR values in the fourth quarter, thanks to rising interest rates. But higher rates come at a cost in the form of lower originations.
Read More

FHFA’s Bi-Merge Credit Effort Stalls, Possibly for Good

January 23, 2025
Dennis Hollier
Republicans, who have long opposed the bi-merge credit scoring model, now control Congress. That, combined with Trump’s “regulatory freeze,” could spell the end of this part of credit report reform.
Read More

Wildfires to Increase California’s Property Insurance Challenges

January 23, 2025
James Dohnert
The wildfires add new challenges to California’s growing property insurance and housing affordability crisis.
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CFPB Warns That Some Homeowners are Underinsured

January 23, 2025
Shannon Clark
Some homeowners’ properties may be underinsured due to disparities in flood-risk mapping, according to the Consumer Financial Protection Bureau.
Read More

Grapevine: Another Bank Leaves the Mortgage Market; Trump’s First Day

January 23, 2025
Brandon Ivey, James Dohnert, and Paul Muolo
WaFd Bank is ending its mortgage origination activity; TD Bank is considering selling jumbo mortgages; some banks are still increasing their mortgage business; President Trump issues order on housing, freezes regulatory efforts.
Read More
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