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Inside Mortgage Finance

November 14, 2024

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Private MIs Lose Some Share in 3Q24 Refi Market Surge

MGIC saw a significant gain in market share during the third quarter, but private MIs overall lost ground to FHA and VA due to surging refinance activity. (Includes four data tables.) Read More

Mortgage Performance Slips Further in Third Quarter

The delinquency rate on mortgages has been on the upswing this year, reaching 3.61% at the end of September, according to the Inside Mortgage Finance Large Servicer Delinquency Index. (Includes data tables.) Read More

CFPB Mortgage Proposals Face Uncertainty Under Trump

President-Elect Donald Trump is expected to replace Rohit Chopra as CFPB director. It’s not yet clear how the Trump administration plans to handle mortgage-related efforts in progress at the CFPB. Read More

Trump Poised to Revamp Federal Housing Leadership

Brian Montgomery and Bill Pulte are among the names floating to lead the Department of Housing and Urban Development. Read More

FICO’s Planned Price Hike Frustrates Lenders

The cost of a credit score for originations is set to increase by 41% in January. The plan prompted trade groups representing lenders to renew calls for regulators and Congress to address pricing practices for credit reporting products. Read More

Planned Capital Relief From Ginnie Could be Revised

Ginnie Mae wants to give a capital break to servicers that hedge their positions and do it well. But the government guarantor might make some changes to the language first published last week. Read More

Trump Administration Likely to Reverse on Housing Issues

The Trump administration and Republican leadership in both houses of Congress will likely lead to the reversal of many Biden-era fair lending and equitable finance rules and guidelines, but affordable housing is still a bipartisan issue. Read More

Nonbanks Face Higher Rates on Debts Coming Due in 2025

In 2020 when rates were hitting rock bottom, nonbanks — public and private alike — lined up to issue debt in the form of unsecured notes. But 2025 is just around the corner and those instruments need to be refinanced or paid off. Read More

Locks Increase for Purchase Mortgages in October

Despite a traditional slowing in loan locks in October, Optimal Blue found more demand for nonconforming and FHA loans. Read More

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