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Inside Mortgage Trends
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House Republicans Weigh Zoning Changes for Housing

March 14, 2025
Emmeline Willey
House Republicans are considering ways to relax certain state and local requirements to encourage the construction of more homes at a lower cost.
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Borrowers Juggle Rising Homeowner Insurance Costs

March 14, 2025
Emmeline Willey
Faced with an average 14% increase in insurance premiums last year, homeowners are electing higher deductibles and switching providers to ease their financial burdens, while others are weighing moving.
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Insolvent Households Increasingly Prioritize Mortgage Payments

March 14, 2025
Dennis Hollier
For many years, when households couldn’t afford to pay all their bills, they prioritized their auto loan payments. But as home prices have soared, mortgage payments have taken precedence.
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Grapevine: Rocket’s Plan for Redfin; PennyMac an Olympic Sponsor

March 14, 2025
Brandon Ivey
When Rocket’s acquisition of Redfin could pay off; PennyMac sponsoring Team USA at Olympics; TransUnion brings on verification tool from Truework; Eastside Distilling now Beeline Holdings, a mortgage company.
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Homebuilder-Affiliated Lenders Relying on Buydowns

February 28, 2025
Brandon Ivey
Homebuilders with lending units continue to prop up home sales by offering mortgage buydowns. The tactic cuts into homebuilders’ margins but many company officials prefer lower margins rather than unsold inventory.
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Mr. Cooper Keeps Mining MSR Gold

February 28, 2025
Paul Muolo
It might be said that Mr. Cooper has timed the servicing market perfectly. While other shops grow tired of the vicissitudes of interest rates and MSR marks, Mr. Cooper has pounced, gobbling up portfolios that have only grown in value as rates stay stubbornly high.
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FICO 10 T Early Adopters See Strong Results

February 28, 2025
James Dohnert
FICO 10 T has helped lenders approve more borrowers, according to a new report from the credit scoring firm.
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G-Fee Hikes Affect Some Demographics More Than Others

February 28, 2025
Dennis Hollier
Changes to the pricing grids of Fannie Mae and Freddie Mac last May created a natural experiment for researchers to study how changes to guarantee fees impact the housing market.
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UWM Prevails in Lawsuit Over Arbitration Clause

February 28, 2025
Shannon Clark
A federal appeals court last month backed United Wholesale Mortgage in a battle with an employee who claimed wrongful termination.
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MISMO Proposes New Tools, Various Updates

February 28, 2025
Brandon Ivey
MISMO is out with five proposals, including a tool to simplify standards adoption. Other new features include tech for credit modernization, appraisals and housing counseling.
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Latest Imf News

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  • Largest Sellers See GSE Deliveries Wane in November

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