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Inside Mortgage Finance

September 11, 2025

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Retail Channel Gains Some Share in Second Quarter

The retail share of first-lien originations bounced back above 50% in the second quarter. Still, in the first half of the year, third-party originations increased at a faster pace on an annual basis than retail lending. (Includes six data tables.) Read More

Trump Admin Shakes Up Plans for Mortgage Regulation

Many efforts started during the Biden administration won’t move forward. But servicing reforms are still in the works at the CFPB. And the bureau is considering major changes to LO comp. Read More

Warehouse Commitments Rise But Market Remains Quiet

Warehouse finance for mortgage lending is showing some modest gains. And no one’s quitting the business, at least not yet. (Includes data table.) Read More

Trump Has Tool to Drive Down Rates in Emergency

There’s speculation that the Trump administration will direct the GSEs to increase purchases of agency MBS, potentially as part of a declaration of a housing emergency. The move could help reduce mortgage rates. Read More

Making Sense of Occupancy Fraud

Experts say financial incentives and public indifference contribute to the prevalence of occupancy fraud, but that the difficulty of proving intent limits prosecutions. Read More

Lenders Use New Methods to Identify Refi Candidates

Lenders are turning to new data to identify refi opportunities. Some borrowers are willing to increase their mortgage rate to tap home equity. Read More

Pulte Zeroes in on Credit Union Regulation

FHFA Director Bill Pulte raised concerns about unidentified risks posed by credit unions to financial markets. Read More

Hiring by Nonbank Lenders Tepid

Nonbanks aren’t exactly in a rush to hire new workers these days even though conventional rates are the lowest they’ve been in almost a year. Read More

MBA Backs Subservicer in Prepayment Lawsuit Appeal

A district court had ruled in favor of the subservicer, noting that the borrower lawsuit was “no more than a billing dispute.” Read More

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