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Inside Mortgage Finance

June 26, 2025

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Home Equity Loan Originations Steady in First Quarter

Originations of new HELOC commitments and closed-end second liens ticked up by 2.1% in the first quarter of 2025 compared with the previous quarter. Bank of America lost its spot as the top HEL lender. (Includes three data tables.) Read More

The Mortgage M&A Game: Who’s Next?

Whole-company M&A deals are becoming more prevalent, but if the Federal Reserve suddenly cuts rates, the outlook could change. Read More

Planned Cut to CFPB Fed Funding Thwarted

A provision in the tax bill — to eliminate the CFPB’s ability to draw funds from the Federal Reserve — must pass the 60-vote threshold, according to the Senate’s rules-keeper. Read More

Large Lenders, Nonbanks Increase Market Share in 1Q

The nonbank share of total originations increased from 65.2% in 2024 to 66.4% in the first quarter of 2025. Four of the five largest lenders in the residential mortgage market are nonbanks. (Includes two data tables.) Read More

First American Enters MSR Brokerage Via Subservicing

A new servicing exchange has been launched by a subservicer that just so happens to be owned by one of the nation’s largest title companies. Read More

MBA Sees Many Positives in Senate’s Tax Bill

The Mortgage Bankers Association supports many of the housing-related provisions included in the bill proposed last week by Senate Republicans. Read More

Lawmakers Want to Subsidize Home Renovations

There’s some bipartisan support in Congress to establish a tax credit for home renovations in an effort to improve the supply of homes for sale. Read More

Lender Advocates Seek Alternative to IRS Verification

Industry insiders push the National Directory of New Hires as an alternative to a current process involving the IRS as a way to verify income and employment while expanding the digitization of the mortgage process. Read More

Grapevine: House Approves Trigger Leads Bill; Rate Outlook

Bill to limit trigger leads passes in House; Fannie economists see higher interest rates; home prices decline in April; HUD on the move; FHFA directs GSEs to propose using cryptocurrency in calculations for mortgage applicant’s reserves. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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