Consumer attitudes toward the current condition of the home selling market and future home rental prices may launch purchase activity forward for the rest of 2015, according to Fannie Mae’s June 2015 National Housing Survey. Optimism among consumers about the housing market has reached new survey highs and strong job and income growth are making consumers appear more favorable in the selling market, indicating a possible increase in the existing home supply.

The U.S. Government Accountability Office (GAO) issued a report on cybersecurity last week highlighting that banks and other depository regulators need better data analytics and depository institutions want more usable threat information. The National Association of Federal Credit Unions (NAFCU) & the National Credit Union Association (NCUA) both responded to the GAO's recommendation on vendor authority.

Greek citizens delivered a surprising response to Europe’s leaders on Sunday, when a majority of voters rejected a deal offered by the country’s creditors. In this historic turn of events, the Interior Ministry reported that with more than 90 percent of the vote tallied, 61 percent of the voters said no to bailout terms offered by the country's international creditors, while 39 percent voted yes to these terms. Media outlets and industry experts gauged the connection that the Greece crisis can have on the U.S. mortgage industry finding that much of the issue rests with interest rates.

There are still many opportunities for real estate investors to acquire properties, despite the decrease in inventory of foreclosed homes, according to new quarterly data from HomeVestors, the ‘We Buy Ugly Houses’ organization, and Local Market Monitor, a real estate forecasting solution. According to the data, Denver, Colorado leads the top 10 list for real estate investing, while Texas dominates the top 10 holding four spots.

In order to provide a clear time frame for claim payments, the Federal Housing Administration (FHA) recently announced its proposal to establish a maximum time period for lenders to file insurance claims. The FHA also intends to revise its policy on reimbursement of eligible expenses and debenture interest when foreclosure and claim filing deadlines are missed.

A total of 6.5 million borrowers could qualify for and benefit from traditional refinances and the Home Affordable Refinance Program (HARP), according to the Data and Analytics division of Black Knight Financial Services latest Mortgage Monitor Report, based on data as of the end of May 2015.

Consumers grow uneasy as the spring season comes to a close and recent gains in the housing market begin to decline. Clear Capital, Inc., a provider of data and solutions for real estate asset valuation and collateral risk assessment, recently released its Home Data Index (HDI) Market Report with data through June 2015 that shows that 2015 will be a non-growth year.

The average fixed mortgage rates have reached new 2015 highs, according to Freddie Mac’s Primary Mortgage Market Survey (PMMS). According to the survey, the 30-year fixed-rate mortgage (FRM) averaged 4.08 percent with an average 0.6 point for the week ending July 2, 2015. This is an increase from last week when it averaged 4.02 percent.

The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) recently issued the host state loan-to-deposit ratios that the agencies will use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. The agencies reported that Utah had the highest loan-to-deposit ratio at 101 percent, while Delaware had the lowest ratio at 47 percent.

Although home prices have continued to rise at a slow pace for most markets, they are still at normal price levels or undervalued, according to the CoreLogic Market Condition Indicators. However, Mark Liu, principal economist at CoreLogic identified that seven of the top 100 metropolitan markets—four in Texas alone—have been identified as being overvalued, an increase from four markets in October 2014.