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Inside Mortgage Finance

July 11, 2024

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Housing Rebound Spurs Agency 1-Family Market

Ginnie remained the top agency in single-family business during the second quarter, though the GSE market posted a bigger gain. Purchase-mortgage volume accounted for most of the gain. Refi activity was also up. (Includes two data tables.) Read More

CFPB Proposes Rule to Adjust Servicing Standards

The rule would require mortgage servicers to only pursue foreclosure as a last resort and increase disclosure requirements. Loss-mitigation application requirements would also be streamlined. Read More

Regulators Headed Toward Re-Proposal on Bank Capital

Federal regulators are working on a re-proposal of a rule that would adjust capital requirements for large banks. Read More

SCOTUS Ruling Takes Some Power From Regulators

The Supreme Court’s decision, overturning a deference that courts have provided to regulators for 40 years, should be a relief for the mortgage industry, according to an attorney. Read More

Mortgage Hiring? Advantage Loan Brokers

The future looks somewhat positive for loan brokers, but not so for mortgage bankers. Not surprising given production trends, but a Fed rate cut in the fall could change the hiring equation. Read More

When In Doubt, Hedge Those MSRs

Hedging-related inquiries from MSR holders are on the rise with a possible Fed rate cut in the wind. Read More

Improvements to Loss Mitigation Programs Needed Post-Pandemic

While forbearance options helped many homeowners avoid foreclosure during the pandemic, alignment between programs could help. Read More

MBA Calls for Overhaul of FHA Multifamily Programs

The MBA wants significant changes to the Federal Financing Bank risk-sharing program. Reforms are also needed in the multifamily accelerated processing program, according to the trade group. Read More

Consumer Optimism Improving Despite Affordability Concerns

Consumers are showing increased optimism about the housing market, but supply challenges and interest rates hurt affordability levels. Read More

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