Non-QM Hedging, Best-Ex, Compliance Tools; Webinars and Training; Freddie and Redwood's Earnings

Core Insights - The mortgage industry is experiencing significant changes due to interest rate fluctuations and regulatory pressures, impacting lenders' operations and profitability [5][18][20]. Group 1: Market Trends and Economic Indicators - Freddie Mac reported a net income of $2.8 billion for Q3 2025, down 11% year-over-year, primarily due to a credit reserve build [17]. - Redwood Trust achieved a record $6.8 billion in cumulative loan production, with an 84% increase in capital allocated to mortgage banking since Q2 2024 [17]. - The Federal Reserve cut the federal funds rate target range by 25 basis points to 3.75% to 4.00%, with expectations of further cuts in December [18][20]. Group 2: Compliance and Regulatory Changes - Lenders must stay vigilant regarding changes in federal, state, and local fees, as inaccuracies can lead to significant financial losses [3][5]. - A well-supported compliance function is essential for reducing risk and driving efficiency, especially with increasing regulatory oversight [5]. Group 3: Technological Innovations and Solutions - Non-QM originations are growing, prompting lenders to hedge interest rate risk using Eris SOFR Swap futures, which provide better execution for loan sales [2]. - Automation in processes, such as title and valuation orders, can significantly reduce closing times for lenders, as demonstrated by Mascoma Bank's partnership with FirstClose [4]. Group 4: Industry Events and Networking Opportunities - The Optimal Blue Summit will feature key industry leaders discussing policy, forecasting, and market strategies, providing valuable insights for lenders [3]. - Various webinars and training sessions are being offered to help industry professionals stay updated on market trends and compliance requirements [7][8][12].