Cart

Inside Mortgage Trends

January 3, 2025

View Archived Issues

GSE Refi Risk Profile Shifts, Purchase Trends Steady

The jump in refinance business, and a shift from cash-out to rate-term transactions, changed the credit-risk profile for Fannie and Freddie in the fourth quarter. Read More

Bank Repurchases Decline Again in Third Quarter

Commercial banks and savings institutions reported another decline in the volume of mortgages they repurchased in the third quarter of 2024. PNC Bank accounted for the largest chunk of the bank industry’s repurchases, at 11.3%. Read More

Lenders Putting an Emphasis on Customer Experience

Lenders are planning to take a more hands-on approach in 2025 due to the purchase-heavy environment expected this year. Read More

Fannie Details Warning Signs for Occupancy Status

The quality control team at Fannie Mae identified “red flags” that could indicate borrowers have mischaracterized whether they’re seeking a mortgage for a primary residence or for a second home or investment property. Read More

Borrowers Lack Clarity on Forbearance

A new FHFA working paper examined factors that influence borrowers’ decisions on whether they should pursue forbearance when facing financial distress. Read More

Downpayment Assistance Common on FHA Purchase Mortgages

Nearly 40% of FHA purchase mortgages originated in fiscal year 2024 included downpayment assistance. Read More

Grapevine: Momentum for Trigger Leads Bill; Boomer Equity

With Rep. Patrick McHenry, R-NC, no longer in Congress, legislation to limit trigger lead activity could see a boost; baby boomers expected to pass along home equity to heirs; two banks reposition portfolios; Clever Real Estate adds servicing clients. Read More

Latest Imf News

More Imf News

Featured Data

More Featured Data

Featured Reports

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