There are concerns about high debt-to-income ratios, high loan-to-value ratios and “iffy” appraised values.

ICBA is working on revised disclosures under TILA-RESPA Integrated Disclosure rules for construction loans.

Annual home price appreciation in April 2025 increased at the slowest rate since 2012.

FHFA Director Pulte said he found $100 million in cost savings at Fannie Mae alone.

As one builder noted, “The great thing that the mortgage rate buydowns do is they protect the integrity of your sales backlog."

GSE regulator Bill Pulte said he's considering rebranding the Federal Housing Finance Agency.

While jumbo servicing among a group of 30 large servicers was up 10.0% on an annual basis as of the end of March, growth in the first quarter of 2025 was well below that pace. (Includes data table.)

Correspondent sales of jumbo mortgages originated in 2024 increased by more than 60% on an annual basis. The largest sellers were almost all nonbanks, though Chase cracked the top 5 with its deliveries into non-agency MBS. (Includes data table.)

Federal agencies have used the higher-priced mortgage designation as a proxy for subprime lending. Strategies vary among the biggest originators of higher-priced mortgages, including focusing on loans for manufactured homes or expanded-credit mortgages. (Includes two data tables.)

Debt service coverage ratio mortgages, residential transition loans and other alternative products include some unique features that can’t necessarily be handled well by servicing systems for standard residential mortgages.