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Interest Rate Outlook Shifts Following Fed’s Rate Cut

December 19, 2024
Brandon Ivey
After projecting four rate cuts for 2025 at their September meeting, members of the Federal Open Market Committee now project only two rate cuts next year.
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Larger Banks Boost Mortgage-Banking Earnings in 3Q

December 19, 2024
Namrata Bhatia
JPMorgan Chase had the most profitable mortgage-banking operation in the third quarter, with $633.0 million of income.
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FHA Proposal Aims to Increase Servicer Liquidity

December 19, 2024
Monica Hogan
FHA is considering reimbursing servicers for tax and insurance advances earlier in the default process.
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Groundfloor Issues RTL Securitization With Unique Payment Feature

December 19, 2024
James Dohnert
Georgia-based investment property lender has announced a new type of securitization backed by deferred-pay RTLs.
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Short Takes: Fannie Expects Steady CRT Issuance / Housing Starts Increase / Home Sales Slower Than Expected / Moody’s Affirms Assessment of Mr. Cooper

December 19, 2024
Brandon Ivey
Fannie Mae projects that its issuance of credit risk transfer transactions in 2025 will be similar to issuance in 2024.
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REITs Add to MBS Holdings in Third Quarter

December 18, 2024
John Bancroft
A group of 16 mortgage REITs held $196.29 billion of residential MBS on their books at the end of September.
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Chase Makes Splash in Expanded-Credit MBS Market

December 18, 2024
Brandon Ivey
Chase is marketing its first expanded-credit MBS with mortgages for primary residences.
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CFPB Sets ATR Requirements for PACE Loans

December 18, 2024
Shannon Clark
The final rule establishes ability-to-repay requirements for Property Assessed Clean Energy loans.
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CFPB Issues Warning on Servicing After a Divorce, Death

December 18, 2024
Brandon Ivey
Some mortgage borrowers are “being caught in a customer service doom loop,” according to the CFPB.
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Short Takes: Senate Passes Trigger Leads Bill / Mixed Figures for Interest Rates / Ginnie’s Reliance on Contractors / Swings in CA Home Prices

December 18, 2024
Brandon Ivey
The Senate approved S. 3502, The Home Buyers Privacy Protection Act, on a unanimous vote.
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Latest Imf News

  • Refi Deliveries to GSEs Level Off in January

  • Fannie's Profits Dip in 4Q on Fair Value Losses

  • House Committee Split on Next Affordable Housing Efforts

  • FHFA, Ginnie to Increase Oversight of Nonbank Servicers

More Imf News

Featured Data

  • Mortgage Complaints to CFPB Tick Up in Fourth Quarter

  • Agency MSR Transfers Pick Up in Fourth Quarter of 2025

  • Record Year for CLO, But Issuance Slowed in 4Q25

  • Originations Increase in Fourth Quarter With Refi Push

More Featured Data

Featured Reports

  • Mortgage Servicing Rights Report: 3Q25 (PDF)

  • IMF Mortgage Directory: Full interactive database

  • Agency Seller-Issuer Profile: 3Q25 (PDF)

  • IMF HMDA Dashboard: 2024

More Latest Reports

Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

View Results
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