Trade groups representing large banks and mortgage lenders warn that a July proposal to increase capital requirements for large banks could push depositories further from the mortgage market.

FHFA has delayed a switch to a bi-merge credit score process at the GSEs. Industry participants are still waiting for data that is needed to help with the transition to new scoring models.

When the Federal Reserve begins cutting rates next year, the mortgage industry will become “fat” again. At least that’s what some believe. The immediate challenge: surviving until then.