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NexBank will provide a line of credit of $200 million, $68 million lower than what it supplied in 2022.

The 30-year fixed rate surged 15 basis points from a week earlier but ends 2022 at more than twice its mark from a year ago.

The laws will go on the books later next year as part of an effort to provide builders with new tools to deal with the California's lack of land for new residential construction.

Special purpose credit programs, down payment assistance and potential mortgage insurance premium cuts came into focus over the past year.

Among U.S. financial regulators, Chopra is the one who bankers fear the most. His agency is expected to battle with the financial industry in 2023 on topics ranging from discrimination to fees and the bureau's funding mechanism.

Jeff Bales is the Senior Director of Business Development at Notion, empowering home and property owners to be proactive in monitoring their spaces and most valued possessions. Through partner programs, Notion helps insurance carriers, agents and service providers provide value to their customers with Notion's DIY smart monitoring technology.

Debbie Ivie, CPCU, AIM, NcIA, is learning experiences director of the Network of Vertafore Users (NetVU). She can be reached at debbie@netvu.org or 972.409.6209.

Steven Schwartz is VP of Insurance Strategy and Underwriting at Safe Security. Previously, he was CRO at Periculus, and prior, was VP Strategy and Insurance Practice at Cytegic. Steven serves on the Advisory Board at PACE University's Seidenberg School for Computer Science and Information Security, and is a co-founder of both The Data Union and Personal Data Week, introducing the topic of "personal data" and its implications for society, industry, and regulation such as GDPR, CCPA, NYDFS and more to more than 30k global members. He was nominated to NYC's 2017 "33 Under 33" and currently holds his Investment Advisor License (Series 65) and Property, Casualty, Health and Life Insurance licenses.

Andrew Hersh is the CEO at Sigma7, a global risk information and services platform. He is an expert in the fields of risk management and national security and has contributed to the evolution of risk management in corporations and governments. Andrew has served as a Senior Fellow at Auburn's McCrary Institute and George Washington University's Center for Cyber and Homeland Security. He has served as a Member of the Infrastructure Advisory Committee for the State of New Jersey Office of Homeland Security & Preparedness and is a Member of the Cyber & Technology Council at Business Executives for National Security. 

The past 12 months were chock full of impactful changes to the home lending industry but keep an eye on these in particular in the new year.