The Lede

CNBC, Oct. 24, 2018--Diana OlickMortgage applications to purchase a home are now flat compared with a year ago, according to the Mortgage Bankers Association, and may move lower in the coming weeks, if interest rates don't fall back in a meaningful way.

HousingWire, Oct. 24, 2018--Ben LaneNearly 250 senior executives at some of the nation's largest mortgage companies want the government to make changes to the rules surrounding how they're allowed to pay their loan originators. Last week, the group of mortgage execs (organized by the Mortgage Bankers Association) sent a letter to the Consumer Financial Protection Bureau, calling on the bureau to change its Loan Originator Compensation rule.

The Mortgage Reports, Oct. 24, 2018--Aly J. YaleIt's no secret that crippling student loan debt keeps many Millennials from buying a home. But according to new data, Millennials with student loan debt aren't just less likely to own a home. When they do buy? They face more expensive mortgage loans and lower home values, too.

National Mortgage News, Oct. 24, 2018--Brad Finkelstein (subscription)A typical homebuyer has already lost over 6% of purchasing power because of rising interest rates since the start of the year, a study by Redfin found.

American Banker, Oct. 24, 2018--Kate Berry (subscription)"If you look from 2012 to today, credit has gotten looser, particularly with respect to greater availability of low-down payment loans," said Mike Fratantoni, chief economist and a senior vice president at the Mortgage Bankers Association.

Bloomberg, Oct. 25, 2018--Scott LanmanThe housing market is one of the few sectors of the U.S. economy that isn't sharing in the recent pickup in growth. Purchases are slowing down, builders aren't building so much, and some people are even reluctant to post their properties for sale.

American Banker, Oct. 24, 2018--Hannah Lang (subscription)The Federal Reserve Board will release a proposed framework next week on how it will supervise large banks following enactment of a recent law that provided some institutions with regulatory relief.

Mortgage Daily, Oct. 24, 2018Quarterly originations slowed at Guild Mortgage Co., though year-to-date volume ascended to a record high. The servicing portfolio also reached a new record, and staffing hasn't changed much over the past year.

National Real Estate Investor, Oct. 24, 2018--Beth Mattson-TeigCommercial mortgage-backed securities lenders are working harder to retain market share in a highly competitive sector where the overall pie for conduit lending doesn't appear to be getting any bigger.