Scaling from Freelancer to Business Owner

The impact of insurance costs, availability and related state rules also were top of mind at the Mortgage Bankers Association servicing conference. View the full article

Federal Deposit Insurance Corp. report shows margins widened and profitability remained high even as credit quality saw some wobbles from consumer and commercial loan portfolios. View the full article

The moderate leverage reflects the quality of RMBS pools from recent issuance years. Borrowers have a non-zero WA annual income of $1 million, with liquid reserves of $594,348. View the full article

Treasury yields are diverging, charts are breaking down and trading looks two-sided into the FOMC, according to the CEO of IF Securities. View the full article

The secondary market regulator will formally publish its own rule on Feb. 6, after a comment period and without making changes to what it proposed in July. View the full article

State regulators and attorneys general could be picking up the gauntlet on anti-kickback provision enforcement, especially in the mid-Atlantic states. View the full article

A housing bill that already passed the Senate cleared the House Monday evening, but included bipartisan community banking provisions that have already raised objections in the upper chamber. View the full article

The real estate industry has paid over $1 billion in combined settlements in the longstanding cases from home sellers challenging commissions payments. View the full article

From water damage to regulatory fines, learn the key risks facing vacant properties and how mortgage lenders can protect their real estate assets. View the full article

Houston developer Colony Ridge Development agreed to resolve allegations that it operated a bait-and-switch scheme targeting Hispanic immigrants that led to massive foreclosures. View the full article

Zillow Group Inc. forecast first-quarter profit that falls short of analyst estimates as the home-search site balances legal costs from ongoing litigation and expenses from the company's partnership with Redfin. View the full article

The federal government should step in to prevent an emerging patchwork of state regulations from stifling the benefits of applying the tools of generative artificial intelligence to the mortgage market. View the full article

The multimillion-dollar acquisition boosts PennyMac Financial Services' total portfolio above $1 trillion and adds to a wave of industry consolidation. View the full article

Mortgage tech's speed is undermined by flawed credit data, causing costly fallout. Lenders must treat data accuracy as a pipeline risk, not a peripheral issue, according to the founder of Consumer Attorneys View the full article

The Bureau of Labor Statistics released its January Consumer Price Index Friday, showing that inflation rose 0.2%, while the annual rate eased to 2.4% after holding at 2.7% for several months. The data reduce the likelihood that the Federal Reserve will cut interest rates in the near future. View the full article

Mortgage delinquencies increased across loan types, and while 30-day late payments showed overall improvement, later-stage distress worsened. View the full article

Federal Reserve Vice Chair for Supervision Michelle Bowman said in a speech Monday morning that the central bank will introduce two capital proposals that she said are aimed at boosting banks' role in the mortgage market. View the full article

Originators of the clean energy loans will have to follow stricter lending laws, a move that program administrators say will hike costs and reduce funding. View the full article

In a speech Tuesday, Federal Reserve Gov. Michael Barr said it was possible that artificial intelligence will boost productivity in an undisruptive way. But he said policymakers should also be wary of a financial crash if those gains are not realized or a rapid adoption that could lead to labor displacement. View the full article

Toll Brothers Inc. fell short of analysts' estimates for quarterly orders, signaling that fewer people are signing contracts to build homes as high prices and economic uncertainty hold some buyers back. View the full article

Data breach extortion group ShinyHunters used social engineering to steal customer names, addresses and phone numbers from the blockchain lender. View the full article