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Inside Mortgage Finance

May 29, 2025

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Nonconforming Sector Gains Share in First Quarter

Originations of nonconforming mortgages increased by 45.7% on an annual basis in the first quarter of 2025. Government-insured lending was up 13.5% and conventional-conforming activity treaded water. (Includes two data tables.) Read More

Trump Explicitly Endorses GSEs’ Implicit Guarantee

The president’s plan to maintain the implicit guarantee of Fannie Mae and Freddie Mac MBS still leaves unanswered many questions that skeptics say are critical to the GSEs’ safe and sound exit from conservatorship. Read More

Lenders, Borrowers Waiting for Interest Rates to Drop

Interest rates on mortgages are elevated, suppressing demand. Short periods of declines in interest rates have prompted surges in loan applications. The question remains: When will interest rates do down? Read More

Pulte Hints on Action Against Rising Credit Score Costs

FHFA Director Bill Pulte plans to announce actions that will address the costs associated with credit scores. Mortgage trade groups are providing feedback, hoping to shape the effort. Read More

Palantir to Power Fraud Detection Initiative at Fannie

The effort will start with new multifamily mortgages and could be expanded to single-family mortgages and to Freddie Mac. Read More

Bank of Oklahoma Readies Warehouse Lending Unit

The bank wants to be a force in warehouse finance. Last fall it hired industry veteran Donnie Martin to oversee the effort. The bank plans to finance nonbank mortgage companies by mid-summer. Read More

Bayview Takes Large Share in MSR-Rich Guild Holdings

The privately held Bayview reportedly has a “ton of capital” at its disposal, according to investment bankers. Read More

HUD ‘Not Touching Our National Parks’ for Housing

Housing Secretary Scott Turner refuted the notion that the federal government would sell national park land for housing development. Read More

Climate Incidents Increasing Foreclosure Risk

Floods are the main driver of climate-related foreclosures, according to First Street. The firm said lenders consider climate as a risk factor. Read More

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