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Inside Mortgage Finance

February 29, 2024

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TPO Channels Gain Share in 2023 Originations Slump

Wholesale-broker platforms took a significantly bigger share of the shrinking refinance market in 2023 as consumer-direct/retail volume lost ground. (Includes six data tables.) Read More

Banks Could Prevail in Escrow Case Before SCOTUS

Questions posed by Supreme Court justices during oral arguments suggest the court could rule in favor of banks seeking preemption from state laws requiring interest payments on mortgage escrow accounts. Read More

Fannie Rolls Out Buyback Alternative

The new program will help reduce the number of buyback requests lenders receive for loans that are defective but still performing. Read More

MSR Owners Facing Risks on Escrows, Interest Rates

Nonbanks are under increased pressure as borrowers face skyrocketing obligations on taxes and insurance. Concurrently, there’s a risk that interest rates will decline, cutting into MSR values. Read More

Regulators’ Next Move on Basel Requirements Hazy

If regulators take an aggressive stance, the final capital rule could be out by May. The other option would be to re-propose the rule, which could leave the rulemaking unfinished if there’s a change in administration. Read More

Political Appetite to End GSE Conservatorship is Lacking

Both Democrats and Republicans have little interest in GSE reform, according to discussions this week at the SFVegas conference. Read More

Congressional Leaders Strike Deal to Temporarily Avoid Shutdown

Top Congressional leaders have announced a deal on six bills that will fund several federal agencies, including HUD, USDA and VA. Read More

Rocket Looks to AI for a Boost After Large Loss

Rocket CEO Varun Krishna believes artificial intelligence will drastically help the lender boost originations. Read More

New Research on GSEs’ Adverse Market Fee

New research shows, in some instances, lenders passed on to borrowers as much as 120% of the cost of the fee, which ended in July 2021. Read More

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