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Inside Mortgage Finance

February 20, 2025

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Primary MI Originations Up in 4Q24 Thanks to Refi Lift

The VA, FHA and even private MIs posted big gains in writing insurance for refinance loans in the fourth quarter while purchase-mortgage business saw a seasonal decline. (Includes four data tables.) Read More

Severe Turbulence Expected From HUD, FHA Job Cuts

Can HUD, FHA and Ginnie survive with 50% fewer workers? Fasten the seat belt and put on your helmet. We may soon find out. Read More

GSE Earnings Supported by Equity Gains

Steady growth in retained earnings means Fannie Mae and Freddie Mac now have a large pile of interest-free capital to invest. Read More

CSBS Prudential Standards for Nonbanks Gaining Traction

Multiple states are drafting exam procedures that align with the prudential standards established by the CSBS. Read More

Servicing Communications Should Consider Generational Differences

Servicers may need new strategies to reach younger homeowners who prefer not to talk on the phone or respond to snail mail. Read More

GOS Under Pressure as Mega Nonbanks Offer Deals

Gain-on-sale is one of the most watched measurements of how a lender’s profitability is holding up. So far, GOS measurements at reporting companies have been a mixed bag. Read More

CSBS’ Milhorn Hoping for Reforms to Ginnie Program

CSBS is interested in advocating for broader reforms in the mortgage industry beyond its central supervisory and examination focus. Read More

First-Time Homebuyers Doing Better Than Housing Advocates Imagine

Affordable housing advocates may be overestimating the challenges first-time homebuyers face in the current housing market. Read More

Grapevine: Trump Expands Control Over Independent Agencies

A new executive order gives White House control of independent agencies; the CFPB is calling on the public to snitch on staff violating stop work order. Read More

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