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Inside Mortgage Finance

August 21, 2025

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Purchase Mortgages, Refi Lending Increase in Second Quarter

Purchase-mortgage lending outpaced refinance business in the second quarter. But purchase-mortgage volume barely budged compared with the first half of 2024 while refi production was up 66.1%. (Includes four data tables.) Read More

Appeals Court Lifts Block on Mass Firings at CFPB

Even though an appeals court lifted the block preventing mass layoffs at the CFPB, a drastic reduction-in-force may not happen immediately, attorneys said. Read More

VA Lending Appears Insulated From Federal Staff Reductions

The Trump administration slashed hundreds of jobs at the VA Loan Guaranty Service, but lenders say it’s not causing issues in VA lending. Read More

Delinquencies Increase at Large Servicers in Second Quarter

The total delinquency rate among large servicers increased by 11 basis points during the second quarter of 2025. The reading was down compared with June 2024, though delinquencies look poised for further increases. (Includes two data tables.) Read More

Figure Profitable, Planning IPO and Major Expansion

Figure Technology Solutions has flourished with HELOCs by developing new technology. Now the company is aiming to complete an initial public offering to expand into other markets. Read More

Mortgage Interest Rates Look Unlikely to Budge in Short Term

Fannie Mae economists slightly increased their mortgage rate projections for the remainder of the year despite widespread expectations that the Federal Reserve will cut the federal funds rate in September. Read More

Warehouse Lenders Lament Loss of Clients Through M&A

The warehouse lending business remains profitable but there are concerns, namely a reduction in the number of nonbank mortgage companies due to M&As. Read More

PennyMac’s Debt Offering Helped by MSR Holdings

Nonbank mortgage companies continue to complete debt sales, especially firms that have mortgage servicing rights to leverage. Read More

Banking Industry Favors Rescission of 2023 CRA Rule

The American Bankers Association noted that while the 1995 CRA framework isn’t perfect, it’s more workable than the final rule issued in 2023. Read More

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