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Inside Mortgage Finance

October 16, 2025

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Ginnie Provides All the 3Q Gain in Agency Servicing

There was nearly $2 trillion in agency mortgage servicing with coupons over 6% at the end of the third quarter, a bounty of refinance business if mortgage interest rates decline. (Includes two data tables.) Read More

Homebuilders Wary of GSE ‘Support’ to Spur Activity

Most industry participants don’t think the GSEs have the tools necessary to accelerate construction by big homebuilders. Read More

Tech Vendor, Lenders Sued Over Price-Fixing Scheme

The lawsuit alleges that the lenders used Optimal Blue’s software to engage in a price-fixing scheme. Read More

Some Caution Mixed Into Industry Exuberance for AI

Certain mortgage companies are comfortable using AI voice bots to interact with borrowers, seeing gains in efficiency. Others are using the technology in non-customer-facing activities. Read More

Small Shifts in Lending at Big Banks in Third Quarter

Chase increased its production by 3.7% during the third quarter, helped by correspondent lending. BofA posted an even more modest increase and production was down at other large banks. Read More

Fifth Third Bank Goes All-In on Mortgage Lending

Fifth Third believes mortgages are key to establishing long-term customer relationships that include multiple financial services. Read More

More Innovation Needed to Solve Affordability Issues

Cross-industry coordination will be key to increasing housing affordability, according to industry participants. Read More

Pulte, Warren Conflict Over GSE Reforms Intensifies

FHFA Director Bill Pulte has repeatedly ignored requests for information from Sen. Elizabeth Warren, D-MA, preferring to communicate primarily through his personal X account. Read More

Risky Financing in Urban ‘Mortgage Deserts’

Prospective homebuyers in urban areas where the mortgage share of home sales is low may have to resort to riskier financing options. Read More

Grapevine: Senate Approves Housing Bill; Federal Layoffs Halted

Senate passes the ROAD to Housing Act; layoffs at HUD, CDFI Fund halted; MBA’s annual conference missing some federal officials. Read More

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