The Lede

HousingWire, Nov. 9, 2018--Alcynna LloydThe report points to an increase in mortgage debt among older homeowners as a concern, noting that in 2012, one-third of homeowners over 65 were still paying off a mortgage--up from less than a quarter of homeowners in 1998. And, the amount owed on a mortgage has nearly doubled from $44,000 to $82,000.

Wall Street Journal, Nov. 9, 2018--Lalita Clozel (subscription)The Federal Reserve plans to broaden its proposal to ease stress tests for the nation's largest banks with changes that could reduce the chance they fail the annual assessments.

National Mortgage News, Nov. 9, 2018--Bonnie Sinnock (subscription)If falling volume and rising costs weren't bad enough for nonbank mortgage lenders, an extended run of tight gain-on-sale margins is further eating into their profits.

American Banker, Nov. 9, 2018--Hannah Lang (subscription)The revised blueprint by Moelis & Co. LLC, which serves as a financial adviser to some Fannie and Freddie shareholders, incorporates a plan by the mortgage companies' regulator for them to adopt risk-based capital requirements. The original Moelis plan released in June 2017 had drawn mixed reviews from the industry.

Orange County Register, Nov. 11, 2018--Jeff LazersonWhere is the energy and action these days when it comes to mortgage products? After all, most well-qualified borrowers are hunkered down enjoying their lower mortgage rates. According to Mortgage Bankers Association chief economist Mike Fratantoni, 75 to 80 percent of mortgage holders are below 4 percent.

Mortgage Professional America, Nov. 11, 2018--Francis MonfortThe Consumer Financial Protection Bureau and the Federal Housing Finance Agency have announced the release of a new loan-level dataset collected through the National Survey of Mortgage Originations for public use.

National Mortgage News, Nov. 12, 2018--Brad Finkelstein (subscription)Ginnie Mae officials continue to be concerned about the high prepayment speeds of Department of Veterans Affairs-guaranteed mortgages.

American Banker, Nov. 11, 2018--Kate Berry (subscription)In trying to define "abusive" practices, the Consumer Financial Protection Bureau is developing rules of a road that has already been paved.

Washington Post, Nov. 13, 2018--Kenneth R. HarneyDon't call it a "buyer's market." Don't call it a "correction." But the fact is that a sobering change is taking shape in the housing market--an unmistakable cooling trend that defies an economy that is showing impressive growth, has the lowest unemployment rate in years and the highest home-equity levels on record. (MBA mention)

HousingWire, Nov. 12, 2018--Ben LaneWells Fargo announced late last week that it reached a settlement with a group of institutional investors, which includes funds affiliated with investing giants BlackRock and PIMCO, to bring a pair of class action lawsuits to a close.

UExpress, Nov. 9, 2018--Lew SichelmanA nearly no-cost loan is just one of the latest offerings from lenders. There is also a low-down-payment program that offers borrowers a $2,000 Home Depot gift card plus a $1,500 grant to offset some closing costs, and another that allows borrowers to qualify based on their assets as opposed to their incomes.