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Inside Mortgage Finance

July 10, 2025

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Agency Single-Family Market Up in 2Q25, Buoyed by Refis

Credit trends remained strong as heavy refinancing activity helped boost agency business in the second quarter of 2025. The top sellers with significant TPO platforms continued to gain market share. (Includes two data tables.) Read More

FHFA OKs VantageScore for Immediate Use by GSEs

FHFA said lenders can now use VantageScore 4.0 when underwriting GSE loans. It’s not clear, though, if the mortgage industry is ready to take advantage of the opportunity. Read More

Mortgage Industry Cheers Tax Breaks in Megabill

The One Big Beautiful Bill included a plethora of tax breaks for individuals and businesses. The bill also sharply reduced the CFPB’s budget. Read More

Mortgage CEO Pay Rises in 2024, But Not for All

In some regards, 2024 was a better, but trying, year for mortgage bankers. A handful of publicly traded shops gave nice pay raises to those in the C-suites. (Includes data table.) Read More

VA Home Loan Division Short-Staffed and Under-Trained

Industry stakeholders raised concerns about the lack of staffing and training of employees at the VA’s mortgage program. Read More

Mortgage Industry Braces for Trigger Lead Ban

With Congress poised to limit trigger lead activity, lenders that rely on the leads will have to soon shift how they are conducting business. Read More

FHLBanks Under Attack From Left and Right

The FHLBanks responded forcefully to complaints that they fail to live up to their affordable housing mission and that they are a threat to the financial system. Read More

MSR Marks Mostly Benign at End of 2Q

There was little fluctuation in MSR values on a quarterly basis as of the end of June, according to an early look at MSR marks. Read More

HUD, USDA Revisit Energy Standards

The agencies are seeking feedback as they reconsider updated energy codes imposed on new residential construction. Read More

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