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Trade groups push for lower MSR capital charges, tailored mortgage risk weights

Banking, basel III, Federal Deposit Insurance Corporation, Federal Reserve, HWmember, Mortgage, Mortgage Bankers Association, MSRs, Office of the Comptroller of the Currency, Regulatory, Regulatory Compliance /

Eight trade groups representing lenders are urging federal regulators to revise bank capital rules by adopting a more tailored risk weight for mortgages held on balance sheets and by significantly cutting the capital charge applied to mortgage servicing rights (MSRs). In a letter sent Friday to the Federal Reserve, the Federal Deposit Insurance Corp. and the […]

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Kiavi closes $350M RTL securitization, nears $7B in total issuance

Fix and Flip, HWmember, Investors, Kiavi, Mortgage, Origination, Real Estate Investing, Secondary market, Securitization /

Kiavi, a digital nonbank lender for residential real estate investors, announced Thursday that it closed a $350 million rated securitization of residential transition loans (RTLs). The transaction marks Kiavi’s sixth rated securitization and 24th deal under its LHOME shelf, bringing its total offered notes to more than $6.8 billion since inception, the company said. The

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Study reveals bureau score gaps, fueling tri-merge credit debate

Credit Score, Equifax, Experian, HWmember, Mortgage, Origination, TransUnion, Underwriting, VantageScore /

A study by Andrew Davidson & Co. found meaningful credit score discrepancies among the three major bureaus — a key data point for those arguing in favor of maintaining the tri-merge standard rather than shifting to a bi-merge or single-report model. According to the paper, released Friday, 35% of the 245 million scored consumers in

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Huntington Bank’s Carolyn Gorman on expanded mortgage footprint with Cadence, Veritex partnerships

Banking, HWmember, Loan Officer, Mergers and Acquisitions, Mortgage, Origination, Partnerships, Texas /

Huntington Bank — which is poised to become a $280 billion institution after its acquisitions of Cadence Bank and Veritex Bank — is aggressively expanding its mortgage footprint across Texas and the Southeast while emphasizing a “partnership” culture over a traditional acquisition model. That’s according to Carolyn Gorman, the bank’s senior vice president and mortgage

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FirstHome IQ partners with MBA to boost loan officer advocacy on Capitol Hill

Bob Broeksmit, HWmember, Loan Officer, Mortgage, Mortgage Bankers Association, Partnerships, Politics /

FirstHome IQ, a nonprofit focused on first-time homebuyer education and financial literacy, announced Thursday that it’s teaming up with the Mortgage Bankers Association to bring a coalition of loan officers to Washington, D.C., for the MBA’s National Advocacy Conference in April. The initiative aims to have at least one LO from every state advocating together

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Rate adds seven former Movement Mortgage loan officers

HWmember, Loan Officer, Mortgage, Movement Mortgage, People Movers, Rate /

Rate announced Thursday that it added seven loan officers from Movement Mortgage in December 2025, a move the Chicago-headquartered Rate characterized as a “significant wave of competitive talent acquisition momentum to close out the year.” The loan officers who joined Rate are Gabriel Carter of Santa Barbara, California; Alexandra Hunt of Tampa, Florida; James Golotko

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New Fed proposals could reshape mortgage capital requirements

Banking, basel III, Federal Reserve, HWmember, Keefe, Bruyette & Woods, LendingLife, Mortgage, Mortgage Servicing, MSRs, Regulatory, Regulatory Compliance /

Regulatory changes to how banks treat mortgage assets — anticipated this week by Federal Reserve Vice Chair Michelle Bowman — may have an impact on the mortgage market over time, analysts said. “The near-term impact on the mortgage market is likely to be somewhat limited,” Keefe, Bruyette & Woods (KBW) analysts wrote in a report

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Kentucky bill would freeze property taxes for senior homeowners

Affordability, Aging in Place, HWmember, Kentucky, Mortgage, Property Tax, Reverse /

A proposed constitutional amendment that would freeze property tax assessments for 65-and-older residents in Kentucky has cleared a state Senate committee — one of several efforts to limit rising tax bills for elderly homeowners. Senate Bill 51, sponsored by state Sen. Mike Nemes (R-Shepherdsville), would lock in the assessed value of a senior’s primary residence

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CEA analysis weighs CFPB’s economic impact

CFPB, Compliance, Consumer Protection, Dodd-Frank, Financial crisis, HWmember, Legal, Mortgage, Mortgage Rates, Politics, Regulatory, Regulatory Compliance /

A new report from the Council of Economic Advisers (CEA) estimates that the Consumer Financial Protection Bureau (CFPB) has imposed $237 billion to $369 billion in cumulative costs on U.S. consumers since its creation in 2011, largely through higher borrowing costs. For 2024 alone, the report estimates $24 billion to $38 billion in costs. The

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Mortgage demand rises 2.8%, fueled by 7% leap for refis

HWmember, Mortgage, Mortgage applications, Mortgage Bankers Association, Mortgage Rates, Origination, Purchase Applications, Refinancing, Xactus /

Mortgage applications rose 2.8% last week as lower borrowing costs spurred a pickup in refinancing activity, according to the Mortgage Bankers Association (MBA)’s weekly mortgage applications survey for the week ending Feb. 13. On an unadjusted basis, the index rose 5% compared with the previous week. Refinance applications led the gain, climbing 7% from the

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