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CHLA Seeks Changes to Loan Originator Comp Standards

July 10, 2025
Shannon Clark
Among other changes, CHLA said the CFPB should allow a lender to reduce compensation to its employees for the purpose of being able to match a competing offer for a borrower an LO has been working with.
Read More

Saluda Grade Packages HELOCs in Securitization

July 10, 2025
Brandon Ivey
HomeBridge Financial Services is the largest contributor to the securitization, accounting for 49.9% of the dollar volume.
Read More

Short Takes: FDIC Plans CRA Proposal / Home Sales Expected to Remain Constrained / Agency MBS-Focused REIT Takes Loss in 2Q / Morgan Stanley’s Latest Non-Agency MBS

July 10, 2025
Brandon Ivey
It’s not yet clear what’s in the FDIC's pending CRA proposal or if the other federal banking regulators are planning similar proposals.
Read More

FHFA Allows for ‘Immediate’ Use of VantageScore 4.0 by GSEs

July 9, 2025
Dennis Hollier
The MBA said increased competition in the credit score space could improve competition in the mortgage space “if implemented correctly.”
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Supreme Court Paves Way for Mass Layoffs at Federal Agencies

July 9, 2025
Shannon Clark
Nineteen federal agencies are impacted by the high court's order, including HUD.
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Maryland Bank to Acquire Mortgage Broker Shop

July 9, 2025
Brandon Ivey
The Bank of Glen Burnie will pay $750,000 along with sharing profits for three years and an origination-based add-on.
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Shift by FHFA Opens GSE Securitization Platform to Others

July 9, 2025
Dennis Hollier
Banks and private issuers will now be able to obtain a license from the renamed U.S. Fin Tech to issue GSE-grade securities (minus the GSE guarantee).
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Short Takes: FICO’s Reaction / Applications Increase / FHA Foreclosure Moratorium in Texas County / Fannie Selling NPLs / Still Retiring From PulteGroup

July 9, 2025
Dennis Hollier and Brandon Ivey
FICO's stock price took a hit after the FHFA announced that the GSEs will immediately accept VantageScore 4.0.
Read More

Government-Insured Purchase Mortgages Outpace Competition

July 8, 2025
Brandon Ivey
FHA purchase-mortgage business in Ginnie Mae MBS hit $54.47 billion in the second quarter of 2025.
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Prices for New Homes Declining at Accelerated Rate

July 8, 2025
Brandon Ivey
To help combat a decline in demand for new homes, homebuilders have reduced building activity to some extent and leaned on incentives such as mortgage buydowns.
Read More
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Latest Imf News

  • GSE Repurchases on the Rise in 3Q

  • Seasonal Factors Drive Increase in Delinquency Rate

  • CDIA Calls Out Credit Washing for Rise in Credit Reporting Complaints

  • Home Price Growth Slows in November

More Imf News

Featured Data

  • Largest Sellers See GSE Deliveries Wane in November

  • Third-Party Lenders Boost Market Share in Third Quarter

  • Bank Mortgage Repurchases Decline in Third Quarter

  • Mortgage REITs Up Agency MBS, Shed Non-Agency

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Featured Reports

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  • Mortgage Profitability Report 3Q25 (PDF)

  • Lender Profiles 3Q25: Top 25 (PDF subscription)

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

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