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Inside Mortgage Finance

December 12, 2024

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Ginnie Loans Lead Servicing Gains in Third Quarter

Servicing outstanding on 1-4 family mortgages increased by an estimated 0.8% during the third quarter. Ginnie servicing grew at more than twice that pace, fueled by refinance originations. (Includes two data tables.) Read More

Servicers Balk at HUD Actions Against Convenience Fees

The Mortgage Bankers Association said HUD regulations don’t expressly prohibit convenience fees, and a retroactive administrative enforcement of an “apparent new policy” is inappropriate and misguided. Read More

Signs of Life in Warehouse Sector as Flagstar Disappears

As nonbanks go, so goes the warehouse lending sector. Commitment levels are rising but higher interest rates could cause some turbulence in the months ahead. (Includes data table.) Read More

Affordable Housing Advocates Brace for Policy Shifts Under Trump

Some former federal officials who spoke this week at a policy conference said the Trump administration might roll back, or at least revisit, recent housing regulations that touch on climate change. Read More

Lenders Quick to Close Loans During Refi Wavelet

The push toward automating processes and streamlining business practices helped spur fast closings during the recent refinance boom. Read More

Rocket Sues HUD After DOJ Accuses Lender of Appraisal Bias

The lender contended that recent HUD guidance on appraisal reviews is contradictory to government mandates of appraiser independence. Read More

Optimism, Finger-Pointing Over Trigger Leads Bill

Legislation to limit trigger lead activity was removed from “must-pass” defense spending legislation. Still, mortgage industry participants are confident Congress will pass the trigger leads ban as soon as next year. Read More

Rental History Data Can Boost Mortgage Originations

About 40 million households are making consistent monthly rent payments that are equal to or greater than the average monthly mortgage payment, according to one estimate. Read More

Rithm’s Newrez Spin-Off Still Under Consideration

A spin-off of nonbank Newrez by Rithm Capital parent could happen in 2025. The missing ingredient: lower interest rates. Read More

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