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Inside Mortgage Finance

October 9, 2025

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Purchase Mortgages Lift Agency Market in Third Quarter

Agency refinance business slowed significantly in the third quarter, and the market seemed to turn in September as purchase-mortgage volume also declined. (Includes two data tables.) Read More

FICO Moves to Bypass Credit Bureaus in Direct Sale Plan

The new option allows tri-merge resellers to calculate and deliver FICO scores directly to customers, bypassing the big credit bureaus. Experian countered with a move involving VantageScore 4.0. Read More

Rules Vary for Lenders During NFIP Lapse

The National Flood Insurance Program can’t issue new policies for the duration of the government shutdown, complicating and in some cases stalling lending for properties in flood-prone areas. Read More

District Court Drops RICO Claims in Lawsuit Against UWM

Many charges in a class action against UWM were dismissed, but some Real Estate Settlement Procedures Act claims will move forward. Read More

Sharp Divide on FHFA Fair Lending Proposal

Industry participants favor a proposal from the Federal Housing Finance Agency to repeal fair lending oversight of Fannie, Freddie and FHLBanks. Consumer advocates, meanwhile, were sharply critical. Read More

Annaly Adds to MSR Holdings With Pennymac Move

Annaly Capital Management is buying a portfolio of lower-coupon MSRs from Pennymac, and also tapping Pennymac as subservicer of the portfolio. Read More

One More Court Finds NBA Doesn’t Preempt Certain State Laws

Relying on the Supreme Court’s direction to apply a “nuanced comparative analysis” for determining federal preemption, some lower courts are finding that the National Bank Act doesn’t preempt state laws. Read More

Another Bank Owned by a Nonbank CEO

CA-based CMG Mortgage CEO and owner Chris George now owns a federally insured depository in Wisconsin. He’s putting an emphasis on hometown service and expanded mortgage offerings. Read More

Climate, DEI May No Longer Qualify for CDFI Funding

The new requirements, and the shutdown, are expected to further delay the release of CDFI Fund awards that have already been approved. Read More

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