Overall, fair housing complaints increased in 2024, though complaints tied to real estate sales and mortgage lending declined.

The Trump administration continues to tease a 2025 capital raise for the GSEs but industry experts remain skeptical this can be done in a safe, sound manner.

A pause in the National Flood Insurance Program due to the government shutdown has created opportunities for private flood insurance companies to increase their business.

The prospects of a year-end stock offering didn’t prevent the wholesale reshuffle in Fannie Mae leadership.

Lenders are expected to increase production of prime jumbos, non-QMs and home equity loans in the coming year.

Although the Trump administration says it wants the GSEs to help accelerate development by the big homebuilders, the topic barely registered during recent earnings calls.

The Mortgage Bankers Association is concerned the current risk weights for MSRs and warehouse lines are limiting activities at banks.

While most mortgage industry participants believe the tri-merge limits competition among the three credit reporting companies, some say it’s a critical tool to maintain the credit quality of mortgages.

The Trump administration plans to reduce certain capital requirements to encourage bank involvement in the mortgage market, according to Treasury Secretary Scott Bessent.

Servicers are anticipating improvements in their recapture rates following the signing of the Homebuyers Privacy Protection Act.