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Companies' new uses for AI, regulators' responses to past cyber incidents and wider acceptance of digital collateral were among the year's top developments.

JPMorgan Chase, Wells Fargo, Bank of America, U.S. Bank and Citi had more than $1 billion in combined first-mortgage loans as of Sept. 30.

Changes to buyer broker commissions, along with the National Association of Realtors battle with the Biden Administration, had an impact on how mortgage lenders operated in 2024.

The industry agenda calls for amending longstanding rules like loan officer compensation, to nixing Biden-era plans trade groups say hurt both consumers and industry players.

Rival lenders lodged suits for poaching, Rocket sued HUD over appraisal bias and a top LO was accused of large-scale mortgage fraud.

Flood insurance could hold up some home sales and lending, while major bank regulatory agencies will remain funded even if the government is unable to pass the necessary legislation before funding runs out.

Habib, an often-accurate and frank forecaster bridging Main Street and Wall Street, explains why he found recent times to be challenging, but he's hopeful.

These are just a few of the legal actions that will have implications for mortgage firms going forward.

From mail theft to video games, a variety of trends shaped scams and fraud in 2024 — and made the schemes more expensive for everyone.

The top five lenders have an average wholesale origination volume of more than $5 billion.