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Inside Mortgage Finance

March 6, 2025

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Jumbo Share Ticks Up in 2024, Driven by Agencies

The market share for non-agency jumbos held steady in 2024 while agency high-balance business surged. Some $53.83 billion of mortgages with balances above the baseline conforming loan limit flowed through the agencies in 2024. (Includes three data tables.) Read More

Tariff Uncertainty Looms Over the Mortgage Industry

Prices are expected to rise for homebuilders, mortgage companies and consumers as the Trump administration implements new tariffs. Read More

McKernan Promises CFPB Will Run, But on Short Leash

The CFPB director nominee detailed plans for the bureau at his Senate confirmation hearing last week. Read More

Pulte Muffles Expectations for a Quick End to Conservatorships

During a confirmation hearing last week, Trump’s nominee to head FHFA was noncommittal in response to questions about GSE reform, a hint that the administration has other priorities. Read More

Mortgage LO Clawbacks Ease Somewhat

Loan officers have been the subject of compensation clawbacks, but the situation has actually eased somewhat. Read More

High Interest Rates, Investor Demand Boosting MSR Sales

MSR buyers believe that there will be plenty of supply of the asset this year as mortgage originators face difficulties from high interest rates. UWM, the largest lender in the industry, is willing to sell if the price is right. Read More

GAO: Housing Finance Remains a ‘High-Risk Area’

The government watchdog said federal agencies associated with housing finance have met three of five critical criteria for mitigating the risk they pose to taxpayers. Read More

Conforming Loan Limits and Bank Competition

The annual increase in conforming loan limits creates a natural experiment for economists to examine how competition from nonbanks influences the operations of depositories. Read More

Grapevine: Mortgage Applications Spike; M&A Activity Heats Up

Mortgage applications increase, led by refinances; three M&A transactions involving lenders/branches; home price appreciation trends. Read More

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