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Inside Mortgage Finance

July 31, 2025

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Servicing Portfolios Slim Down at Some Large Firms

Many of the top five servicers had declines in either owned servicing or primary servicing during the second quarter of 2025. Much of the market share lost by the largest firms stayed within the top 25. (Includes three data tables.) Read More

Housing Legislation With Strong Support Moves in Senate

The Mortgage Bankers Association and other groups supported the wide-ranging bill which is aimed at housing affordability. MBA, though, raised some concerns about appraisal reforms included in the package. Read More

Prices for Certain Ginnie MSRs Near GSE Pricing Levels

While delinquencies on loans in Ginnie MBS are much higher than for GSE mortgages, prices for Ginnie MSRs can rival those seen for GSE servicing, for some characteristics. Read More

New Credit Score Models Come With Complications

New credit score data, such as rent payment history and bank account cash flows, may benefit some mortgage borrowers, but the new elements could also cause some problems. Read More

Federal Regulators Look to Boost Lending by Banks

The Federal Reserve and Treasury Department are on a path to reducing capital requirements for banks, large and small. The motivation includes the shift seen in mortgage lending toward nonbanks following the 2008 crisis. Read More

Rithm No Longer Planning to Spin Off Newrez in Near Term

After working for more than two years toward a spinoff of Newrez, Rithm Capital paused the effort and will invest in the mortgage unit. Read More

Trump Proposal on Nixing Capital Gains Tax Lands With Thud

Removing the capital gains tax on home sales wouldn’t necessarily be an effective method of increasing housing supply, and effects on the mortgage market would be limited, according to industry analysts. Read More

District Court Orders HUD to Administer Fair Housing Program Funds

A district court ordered HUD to develop a plan to disburse Fair Housing Initiatives Program grants before the funding lapses on Sept. 30. Read More

Merchants Bank Takes Hit From Multifamily Mortgage Fraud

The Indiana-based bank reported a sharp drop in net income in the second quarter tied to multifamily mortgages involved in suspected fraud. Read More

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