Originations

Many issues facing President-elect Trump and the 115th Congress will have far-reaching implications for the mortgage industry. Here's a look at five of those most pressing questions awaiting elected officials when they take office in January.

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Housing was the talk of the campaign two presidential elections ago, but it stayed under the radar in the 2016 race, leaving plenty of room to speculate about President-elect Donald Trump's likely mortgage policy for the next four years.

U.S. Supreme Court justices signaled they may divide over the ability of cities to use the Fair Housing Act to sue banks for discriminatory lending practices that contribute to urban blight.

Lenders have the most consumer-facing role in the mortgage industry. By adopting three cultural adjustments, they can introduce more diversity into the workforce and create sustainable businesses and stronger communities.

The California Department of Business Oversight imposed a fine on the Texas lender for violating restrictions on per-diem interest.

The Justice Department has widened its investigation of Fulton Financial’s mortgage lending practices to include four new units.

San Francisco has completed the transfer of ownership of its public housing sites from the San Francisco Housing Authority to community-based affordable housing teams, part of a long-term bond-financed initiative begun in 2013.

Home purchase sentiment fell for the third straight month in October, reflecting the uncertainty consumers face, according to Fannie Mae.

After nearly eight years of record-low mortgage rates and booming refinance volume, many signs indicate the run is winding down. Here's a look at 10 steps lenders should take now to stay profitable when rates rise and purchase loans drive the market.

The California Housing Finance Agency has expanded a down payment assistance program for public school employees.

Hiring by independent mortgage firms accelerated in September after a slowdown in the prior month.

The Mortgage Bankers Association's Opens Doors Foundation has raised more than $59,000 as a charity partner of the New York City Marathon.

Essent Group reported higher net income on a 25% year-over-year increase in insurance-in-force, while Genworth Financial posted a larger net loss from a year ago as its life insurance division took a hit.

Mortgage industry hiring and new job appointments for the week ending Nov. 4.

American International Group has been increasing lending for apartments as the company seeks to counter low yields on publicly traded bonds and volatility from hedge fund holdings.

Fannie Mae's new representation and warranty relief offers lenders a long-awaited incentive to use its automated loan validation technology. But is it enough for lenders to make the necessary technology updates and process changes to implement the tools?

Regulators have pressed banks to watch out for rising concentrations of commercial real estate loans. Some banks have paid heed, but others are skyrocketing past recommended thresholds.

The agency released a plan last week that would stipulate that newly constructed homes financed by the Federal Housing Administration would have to be elevated two feet above the 100-year-based flood level.

Mortgage rates increased 7 basis points to their highest level since late June, the largest one-week gain in more than six months, according to Freddie Mac.