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The housing recovery has been uneven across the country due to several factors, including supply and demand issues, a large volume of distressed inventory, high unemployment and a slowdown in building permit activity.DataQuick has completed an analysis featuring some of the largest counties nationwide evaluating the recovery performance in these regions through July 2013. The analytic provider also offers insights what to expect for each market during 2014.

Origination News is looking back at the stories for 2013 which had the biggest effect on how loan officers did business. Plus, the outlook for 2014.

The Servicing Trailblazer Award acknowledges a servicer or vendor initiative, product or platform that uses technology to optimize mortgage portfolio management and ensures efficient communication with borrowers, investors and the mortgage servicing support industry. Learn about this year's finalists and see who won the 2013 MT Award.

New ability to repay/qualified mortgage rules and other regulations going into effect next year will present additional risks for the industry. Excerpts from this recent NMN/American Banker/PaymentsSource webinar highlight some key ones.

There is no place on the new loan estimate and closing disclosure for disclosing lender-paid compensation, says Don Frommeyer, president of the National Association of Mortgage Brokers. Thus the form might not be appropriate for mortgage brokers to use. Several readers commented on Frommeyer’s statement.

Regulatory pressure is expected to be as strong as ever next year when mortgage lenders and servicers will test new waters in compliance implementation, process improvements and business strategies. Market veterans find regulatory compliance risks are higher almost in every area of the business.

A letter has been sent to the Federal Reserve and the Office of the Comptroller of the Currency demanding more information about the settlement.