Origination

A little-noticed charge taken by Regions Financial in the fourth quarter may portend that other banks have not been adequately reserving for modified home loans, known as troubled debt restructurings.

The positive trend will continue through 2016 as originations in those categories increase to $333 billion, according to the Mortgage Bankers Association.

Nonbank mortgage lenders likely increased their market share during 4Q, KBW analysts say.

Mortgage businesses can continue to thrive even while interest rates are up and applications are down.

The new name is easy to remember and not an acronym.

Foreclosure starts ended the year at the lowest level since April 2007 and pipelines are clearing in most states.

FHA officials believe lenders will qualify more borrowers with sub-680 credit scores via manual underwriting, but there is concern they will simply limit originations to plain-vanilla FHA.

Wells Fargo and PNC are the lead lenders on the loan.

The slide in refinancing brings commitments to purchase new mortgages to its lowest level since June 2011.

These institutions see an opportunity in a declining market to fill a void created by competitors exiting.