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Inside Mortgage Finance

October 2, 2025

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Home Equity Lending Rising, Emphasis on HELOCs

Originations of home equity loans in 2025 are on track to top HEL production in 2022, which was the post-2008 peak. The HELOC share of home equity lending is down somewhat from 2022 but still dominates. (Includes three data tables.) Read More

Mortgage Lending Mostly Unscathed by Government Shutdown

The effects of the partial government shutdown could be far-reaching, but agency functions related to mortgage lending appear intact. Read More

Growth in Expanded-Credit Lending Spurs Concerns

As originations and market share for expanded-credit loans have increased, some industry participants see the potential for problems. Read More

MBA Details Regulatory Priorities

The trade group’s priorities include changes to loan originator compensation standards and a higher tax exemption on home sales. Read More

Congress to Work on Housing Legislation This Month

Housing legislation with strong bipartisan support could move forward in the Senate as soon as this month. Read More

Warren Calls for Investigation Into HUD Whistleblower Claims

The whistleblowers raised concerns about the administration’s efforts to limit HUD’s ability to enforce fair housing and civil rights laws. Read More

Better Partners With Two Large Unidentified Firms

The share price for Better Mortgage’s parent jumped this week following an announcement that was lacking some key details. Read More

AmeriHome Switches Subservicing Vendors

Western Alliance is tweaking the subservicing chores at its correspondent unit. The bank also is pondering selling more MSRs. Read More

Increasing Debt Drives Homeowners to Home Equity Loans

Homeowners are tapping their equity to pay off consumer credit debt and student loans. Read More

Consolidation in Originations Continues in First Half of 2025

The largest lenders gained a little more market share during the first half of the year. (Includes two data tables.) Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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