The Lede

Washington Post, Jan. 14, 2016--Orton, Kathy Mortgage rates retreated for the second week in a row, according to the latest data released Thursday by Freddie Mac.

Herald-Courier (Bristol, Va.), Jan. 14, 2016--Harney, Kenneth R. If you're planning to buy a home with a mortgage in 2016, you're virtually certain to encounter a new consumer-friendly federal disclosure--the Loan Estimate. But the question is: Will you use it as a shopping tool? Based on interviews with a group of large and small lenders plus real estate brokers, the answer may well be: Probably not.

Mississippi Business, Jan. 14, 2016--Wilmesherr, Ed Reading between the lines of the Dodd-Frank Act, it was easy to see Congress was not satisfied with the job the bank regulatory agencies had done in the run up to the 2007-2008 banking crisis.

Wall Street Journal, Jan. 14, 2016--Glazer, Emily; Rudegeair, Peter JPMorgan Chase & Co.'s bankers and traders took pay cuts. Bad energy loans are piling up. And Chief Executive James Dimon said major parts of the economy are "obviously" going to get worse.

National Mortgage Professional, Jan. 14, 2016--Hall, Phil Tomorrow will be a healthy time for the U.S. housing market, according to a new forecast issued by Fitch Ratings. However, today is not the healthiest of days, at least according to Freddie Mac's latest reporting on fixed mortgage rates.

National Mortgage News, Jan. 14, 2016--Collins, Brian The reverse mortgage industry is optimistic after recent reforms to the Home Equity Conversion Mortgage by the FHA and newfound respect from financial planners.

National Mortgage News, Jan. 14, 2016--Finkelstein, Brad JPMorgan Chase reported a 21% drop in year-over-year earnings for its mortgage business as revenue dropped 10%.

HousingWire, Jan. 14, 2016--Verkuylen, Al The author, with ServiceLink, said while lenders are expected to benefit tremendously from eClosings, title and settlement companies are beginning to lead the way.

Bloomberg, Jan. 14, 2016--Levitt, David M. Companies are seeking to pack more workers into smaller spaces, a trend that's having an impact on office occupancy in Manhattan.

Reuters, Jan. 14, 2016--Ramesh, Aaradhana; Cassella, Megan The Federal Reserve will raise interest rates only three times this year as it faces a more subdued outlook for both the U.S. and world economies, a Reuters poll of economists said.

Reuters, Jan. 14, 2016--Mutikani, Lucia The number of Americans filing for unemployment benefits unexpectedly rose last week, but remained at levels associated with a healthy labor market. Other data on Thursday showed import prices tumbled in December for a sixth straight month, weighed down by lower oil prices and a strong dollar.

Fortune, Jan. 14, 2016--Gandel, Stephen Goldman Sachs on Thursday said it reached an agreement in principal to resolve a long running government investigation into its sales of residential mortgage bonds in the run up to the financial crisis. The total settlement is just over $5 billion, and will include $1.8 billion in consumer mortgage relief.

Wall Street Journal, Jan. 14, 2016--Leubsdorf, Ben; Hilsenrath, Jon Investors show growing doubt that the Federal Reserve will successfully spur inflation back up to its desired level-a change in expectations that could slow the pace of interest-rate increases by the central bank.