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Home » Topics » Inside Mortgage Finance » Originations

Originations
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Economic Outlook for the Mortgage Industry

July 25, 2024
Dennis Hollier
Economists still differ in their forecasts about how many times the Fed will cut rates this year and what that means for mortgage originations.
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Some Shifts in Cash Purchase Activity Among Homebuyers

July 25, 2024
James Dohnert
Investors are increasingly turning to the mortgage market to fund their home purchases rather than paying all cash.
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Struggling Lenders Turn to Reverse Stock Splits

July 25, 2024
Paul Muolo
Two publicly-traded mortgage companies recently completed reverse stock splits and a third split is in the works.
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Historical VantageScore 4.0 Data to Help With GSE Shift

July 18, 2024
Dennis Hollier
The new data will help lenders determine the impact of the upcoming shift from a tri-merge credit reporting process to a bi-merge model.
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Mixed Trends in Lending at Big Banks in Second Quarter

July 18, 2024
Brandon Ivey
Big banks increased their mortgage originations in the second quarter. But halfway through the year, volume is down at many of the banks.
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Banking Groups Against Any Changes to FHLB Mission

July 18, 2024
Dennis Hollier
Many mortgage industry trade groups believe changing the mission of the Federal Home Loan Bank system is Congress’ responsibility rather than that of the FHFA.
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Fannie Mae Survey Reveals Mortgage Misconceptions

July 18, 2024
James Dohnert
A new Fannie Mae study finds that consumers think mortgage underwriting requirements are more stringent than they truly are.
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Grapevine: Treasury Title Insurance Meeting; Multifamily Issues

July 18, 2024
Brandon Ivey
Treasury office considers reforms for title insurance; FHFA sets tenant protections for GSE multifamily borrowers; Biden administration calls for rent control; two states slow on index change.
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More Frequent Floods Increase Federal Mortgage Subsidy

July 12, 2024
Dennis Hollier
Researchers find that the climate-related increase in flood damage will boost the cost of subsidizing federal mortgage programs by 44% over the next 30 years. That doesn’t include the costs to homeowners, lenders, insurers or MBS investors.
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Regulators Headed Toward Re-Proposal on Bank Capital

July 11, 2024
Brandon Ivey
Federal regulators are working on a re-proposal of a rule that would adjust capital requirements for large banks.
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