Origination

The bucket of homeowners in the money to refinance includes anyone who bought a home in the last 18 months, and lenders are on the phone calling them.

New Home Mortgage Disclosure Act data shows debt-to-income ratios have risen but also have been frequently cited among reasons for denials, suggesting lenders are becoming more cautious about this underwriting metric.

A year after the major credit bureaus agreed to strip tax liens and civil judgments from consumers' credit files, a new study says it is hampering lenders' credit decisions. But proponents of the move insist it was the right call.

Home equity lenders expect origination activity to remain dreary through next year even though consumers can potentially access more proceeds now than in 2006, a Mortgage Bankers Association survey found.

The Hamilton, Ohio City Council soon will consider whether to require owners to register their vacant industrial or commercial buildings.

There is no legal basis to force Bank of America to make good on its commitment to provide $150 million in mortgages to beneficiaries of the Department of Hawaiian Home Lands, the state's Attorney General said.

Home price gains in the Twin Cities metro have outpaced the national average for much of the year, but those gains have cooled in recent months.

In a reprieve for Southern California's sluggish housing market, home sales rose in July from a year earlier. It was the first sales increase in 12 months.

Seeking to expand financial services access, tribal officials and some firms want regulators to award Community Reinvestment Act credit to any bank that funds projects in Native American communities.

Live Well Financial CEO Michael Hild has been charged with misrepresenting the value of a bond portfolio in parallel actions by the U.S. Attorney's Office and the Securities and Exchange Commission.