Some see Freddie Mac’s proposal to acquire second liens as a way to boost originations of the products. Others suggest that GSE involvement in the sector will have minimal impact as demand from borrowers appears to be limited.

With banking regulators considering how to revise their Basel III endgame proposal, the U.S. Mortgage Insurers stressed that regulators should look more favorably on loans with private MI.

A proposal from the Urban Institute calls for a revamp of the refi process to make it more equitable for lower-income borrowers and borrowers of color.

The guidelines lay out the process lenders must develop for borrowers to request an appraisal reassessment when they believe a valuation was inaccurate or biased.

Changes in loan characteristics for new acquisitions and new capital requirements combined to reduce the “profitability gap” for GSE business in 2022.

When mortgage bankers think of megabanks selling MSRs, Wells Fargo comes to mind. But U.S. Bank is selling servicing rights as well. Its latest sale: a $15 billion package of GSE rights.

New York Community Bank’s new leadership has plans to return to profitability. It’s not clear how residential mortgages fit into those plans.

The state’s final CRA standards have some “problematic elements,” which the MBA said it had highlighted during the comment period.

Lenders continue to make bulk purchases to offset runoff in their portfolios and make up for anemic originations. However, demand for MSRs could be near a peak, according to industry analysts.

If you’re looking for signs of hope in a difficult mortgage market, a source of inspiration might be the debt values of certain lender/servicers.