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Inside Mortgage Finance

January 2, 2025

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Nonbanks Regain Origination Market Share in Third Quarter

After noting a decline in market share during the second quarter, nonbanks increased their share of originations to 65.5% in the third quarter. The increase was driven by the largest nonbanks. Read More

More Warehouse Credit From North of the Border

There are at least two Canadian banks actively soliciting nonbanks for warehouse lines of credit. The moves come with the hope that originations will improve in 2025. Read More

CFPB Sues Rocket Homes Over Kickback Scheme

The lawsuit accuses Rocket Homes of steering customers to its affiliated companies for mortgage loans and closing services. Read More

Little Differences Between FICO and VantageScore

Despite a lack of historical data on FICO 10 T, Urban Institute researchers find positive signs that the shift away from Classic FICO to VantageScore 4.0 and FICO 10 T will not dramatically impact loan performance. Read More

Biden Admin to Leave Regulatory Items Lingering

The next step to revise capital requirements for large banks is undetermined, two mortgage efforts at the CFPB will fall to a Republican appointee and FHFA’s planned reforms for the FHLBanks face uncertainty. Read More

Lenders Advised to Wrap Up LO Contracts

The new year is underway but not all high-volume producers have signed contract renewals. Some headhunters are advising management not to drag their heels, lest they run the risk of losing their best asset. Read More

Refi Recapture Opportunities Strong for 2025

Many consumers are expected to be in cost-savings mode in the first half of 2025, offering lenders opportunities to push refinances. Read More

Property Insurance Non-Renewals a Growing Concern

A new report from the Senate Budget Committee highlights how property insurance non-renewals are impacting homeowners and lenders. Read More

CFPB Issues Final Rule on Residential PACE Lending

Starting in March 2026, residential mortgage protections will apply to Property Assessed Clean Energy loans. Mortgage industry groups and consumer advocates applauded the move. Read More

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