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Inside Mortgage Finance

July 24, 2025

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Production Jumps in 2Q, Volume Up Compared With 2024

Originations spiked by nearly 40% from the first quarter to the second. For the first half of the year, volume was up 13.3%. Lenders outside of the top five gained some market share in the April-to-June period. (Includes two data tables.) Read More

FHFA Releases Details on New Credit Score Usage

While FHFA Director Bill Pulte had announced that the GSEs would “immediately” begin accepting VantageScore 4.0, FHFA acknowledged this week that implementation will take some time. Read More

Implementation of New VA Partial Claim to Take Time

It took the VA seven months to implement its COVID-era partial claims program. A similar timeline can be expected for the new program recently approved by Congress. Read More

Lenders Waiting for Interest Rates to Decline

Executives at mortgage companies anticipate originations will pick up as soon as interest rates on mortgages decline. However, the MBA’s projections suggest little movement in rates for the rest of this year. Read More

Wells Fargo, loanDepot Hit With Class-Action Lawsuits

Wells Fargo has been accused of charging borrowers improper mortgage fees during the origination process, while loanDepot is alleged to have violated the Truth in Lending Act’s loan originator compensation rule. Read More

MBA Warns of Impact From HUD’s Energy Code Changes

The Department of Housing and Urban Development said increased costs would be offset by future savings, but the Mortgage Bankers Association says the numbers are flawed. Read More

Democrats Seek to Reform Appraisal Process

A new bill seeks to require FHFA to create a public database of information on all mortgage appraisals. The proposal comes as the Trump administration disbanded the Biden-era task force created to address appraisal bias. Read More

Researchers Analyze Reasons for Housing Shortfall

Urban Institute reviewed varying estimates of the national housing shortage and suggested policy solutions to address the shortfall. Read More

Grapevine: US Bank Sells Low-Rate Mortgages; Tariffs Taking a Toll

U.S. Bank sells mortgages originated by Union Bank; tariffs and interest rates; Mr. Cooper starts MSR fund; Congress plans to address housing. Read More

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