Government Loan Characteristics
GSE Refinance Business
Refinance business for both GSEs, with HARP activity broken out into 80-105 and >105 LTV categories. Data available yearly and quarterly 2009-4Q11.
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News from Inside Mortgage Finance
May 17, 2012
Flurry of Deals Scrambles Top Servicer Ranking In Early 2012, Nationstar to be Fourth Largest
While many of the largest mortgage lenders in the industry continue to scale back their operations in a somewhat precarious operating...
May 17, 2012
Mortgage Delinquency Rates Decline in Nearly All Categories, Foreclosure Inventory Little Changed
Mortgage servicers reported significant improvement in loan delinquency rates during the first quarter of 2012, although the inventory of...
May 17, 2012
Industry Views CFPB Pending Rule on L.O. Comp, Points, Fees Through Prism of Flawed Dodd-Frank
Mortgage lending industry representatives are apprehensive about how the underlying economics of originating a mortgage are going to be...
News from Our Industry Newsletters
May 11, 2012
OIG Plans Audits of Single-Family Components
The Department of Housing and Urban Development’s Office of the Inspector General will begin internal audits later in 2012 on various...... from Inside FHA Lending
April 30, 2012
Financial Stability Board Issues Sound Underwriting Principles
The Financial Stability Board has published principles for sound residential mortgage underwriting practices, emphasizing that participating...... from Inside Regulatory Strategies
April 6, 2012
Mortgage Lenders Respond Poorly to Complaints
If mortgage lending profitability was directly correlated to an ability to respond satisfactorily to borrower complaints, a lot of mortgage...... from Inside Mortgage Trends
March 30, 2012
First-Lien Holdings Up, Performance Improves
Bank and thrift portfolio holdings of first liens increased in the fourth quarter of 2011 compared with the previous quarter, according to the...... from Inside Nonconforming Markets
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- RESPA 2012: Preparing for Upcoming Changes
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- Buyback Strategies for 2012
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News from Inside MBS & ABS
May 11, 2012
Mortgage Bankers Push for Common MBS ‘Currency’ Making Fannie and Freddie MBS Interchangeable
The Mortgage Bankers Association is pushing a proposal to change the remittance schedule on Freddie Mac participation certificates and make...
May 11, 2012
GSEs Focused on HARP, New MBS Platform; Ginnie Mae Copes With New Issuer Demand
Fannie Mae and Freddie Mac reported robust activity in their expanded refinance programs for underwater borrowers, while Ginnie Mae is...
May 11, 2012
Early Jumbo Securitizations Boost Redwood Trust’s 1Q12 Bottom Line, Next Transaction by Midyear
Redwood Trust saw steady progress in growing its residential mortgage business in the first quarter of 2012, which was highlighted by two...
News from Our Industry Newsletters
May 11, 2012
Independent Lenders Fill Void in MetLife's Wake
Home Equity Conversion Mortgage loans remain widely available, thanks to the independent lenders that rallied to plug the gaps as major...... from Inside FHA Lending
April 6, 2012
Former Fannie Execs File Motion To Dismiss SEC Fraud Lawsuit
Three former Fannie Mae executives, including the company’s one-time CEO, have petitioned a federal judge to toss the securities fraud...... from Inside The GSEs
March 30, 2012
Prudential Completes Unique Subprime MBS Sale
Prudential Financial this week issued a $1.0 billion bond to sell vintage subprime mortgage-backed securities. Analysts described the bond as...... from Inside Nonconforming Markets
February 21, 2012
Worth Noting
In response to a request from the Federal Trade Commission, a U.S. district court has banned a number of defendants from providing mortgage...... from Inside Regulatory Strategies
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- Top MBS & ABS Issuers
- MBS & ABS Performance
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- Non-Agency MBS
- Agency MBS
- Non-Mortgage ABS
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- RESPA 2012: Preparing for Upcoming Changes
- Refinancing Underwater Borrowers
- Domino Effect: Understanding the Impact of the Foreclosure Settlement
- Buyback Strategies for 2012
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News from Inside The GSEs
May 4, 2012
FHFA Feud Over GSE Writedowns Intensifies
The Federal Housing Finance Agency is still mulling over accepting principal reduction payments from the Treasury Department even as the...
May 4, 2012
Freddie Dividends Turn Black to Red in 1Q
Dividend payments paid by Freddie Mac to the U.S. Treasury for its continued financial support held down the GSE during the first quarter...
May 4, 2012
White House GSE Reform Plan Won’t Materialize ‘Anytime Soon’
Don’t expect the long-awaited White House plan to wind down Fannie Mae and Freddie Mac “anytime soon,” an Obama...
News from Our Industry Newsletters
May 17, 2012
Fannie, Freddie Report First Quarter REO Inventory Decline; FHFA Lowers Expectations on Rental Pilot
A decline in Fannie Mae’s inventory of single-family real estate owned homes coupled with improved REO sale prices played a significant...... from Inside Mortgage Finance
May 11, 2012
Non-Agency Market Dwarfed by GSEs, Industry Looks for Ways to Move Ahead
“The private market will never come back if the best deal for the private investor is the government,” Lewis Ranieri, chairman and...... from Inside Nonconforming Markets
May 11, 2012
Mortgage Bankers Push for Common MBS ‘Currency’ Making Fannie and Freddie MBS Interchangeable
The Mortgage Bankers Association is pushing a proposal to change the remittance schedule on Freddie Mac participation certificates and make...... from Inside MBS & ABS
March 23, 2012
Mortgage Industry Made Little Progress On Buyback Headaches During 2011
Mortgage lenders, private mortgage insurers and the government-sponsored enterprises remained at loggerheads on the nagging problem of loan...... from Inside Mortgage Trends
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- RESPA 2012: Preparing for Upcoming Changes
- Refinancing Underwater Borrowers
- Domino Effect: Understanding the Impact of the Foreclosure Settlement
- Buyback Strategies for 2012
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News from Inside Regulatory Strategies
May 14, 2012
CFPB Taking on Origination Points and Fees
Mortgage originator compensation has moved clearly into the crosshairs of the Consumer Financial Protection Bureau as part of a broader...
May 14, 2012
Industry Challenges CFPB on TILA Case
Three mortgage lending industry groups have challenged the position of the Consumer Financial Protection Bureau in a key Truth in Lending...
May 14, 2012
Top Mortgage Servicer Disputes CFPB Position in FDCPA Lawsuit
The Consumer Financial Protection Bureau has sided with borrowers in an appeals case being brought under the Fair Debt Collection Practices...
News from Our Industry Newsletters
May 17, 2012
Industry Views CFPB Pending Rule on L.O. Comp, Points, Fees Through Prism of Flawed Dodd-Frank
Mortgage lending industry representatives are apprehensive about how the underlying economics of originating a mortgage are going to be...... from Inside Mortgage Finance
May 11, 2012
OIG Plans Audits of Single-Family Components
The Department of Housing and Urban Development’s Office of the Inspector General will begin internal audits later in 2012 on various...... from Inside FHA Lending
May 11, 2012
GSEs Focused on HARP, New MBS Platform; Ginnie Mae Copes With New Issuer Demand
Fannie Mae and Freddie Mac reported robust activity in their expanded refinance programs for underwater borrowers, while Ginnie Mae is looking...... from Inside MBS & ABS
May 4, 2012
FHFA Feud Over GSE Writedowns Intensifies
The Federal Housing Finance Agency is still mulling over accepting principal reduction payments from the Treasury Department even as the...... from Inside The GSEs
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News from Inside Mortgage Trends
May 4, 2012
Gains in Mortgage Banking Profits Widespread in 2012 First Quarter
Nearly all major lenders have reported increased earnings from their mortgage banking activities during the first quarter of 2012,...
May 4, 2012
HARP Gaining Ground, Key Role in 2012 Market
Mortgage lenders that were less than enthusiastic about the first version of the refinance program for underwater Fannie Mae and Freddie...
May 4, 2012
Key Findings in Fed Senior Loan Officer Survey
Nearly half of the 56 banks reported that they offer “nontraditional” home mortgages, such as interest-only loans. Virtually all...
News from Our Industry Newsletters
May 11, 2012
Two Harbors Sees Profits in ‘Cottage Industry’
Two Harbors Investment started acquiring residential properties to offer for rent during the first quarter of 2012, with officials at the real...... from Inside Nonconforming Markets
April 27, 2012
Ginnie Mae Servicers Off to Good Start in 1Q12
Combined servicing volume for the top 50 Ginnie Mae MBS servicers jumped to $1.23 billion in the first quarter of 2012 from $1.11 billion...... from Inside FHA Lending
April 20, 2012
GSE MBS Business Surges in 1Q 2012 Due to Refi
MBS Business Surges in 1Q 2012 Due to Refi GSE single-family securitizations leapt 16.2 percent during the first three months of 2012...... from Inside The GSEs
January 23, 2012
Regulatory Burden Cited as Biggest Issue for Originators
Regulatory burden will be the biggest issue for mortgage originators in 2012, according to recruiting firm Hammerhouse’s second annual...... from Inside Regulatory Strategies
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- Mortgage Banking Profitability
- Mortgage Insurance Profitability
- Bank Profitability
- GSE Performance
- Mortgage Buybacks
- Technology
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- RESPA 2012: Preparing for Upcoming Changes
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- Domino Effect: Understanding the Impact of the Foreclosure Settlement
- Buyback Strategies for 2012
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News from Inside FHA Lending
May 11, 2012
Beware of Conflicting FHA Rules, Standards
Mortgage servicers could find themselves in a quandary as they implement the national servicing standards outlined in the March foreclosure...
May 11, 2012
Lenders Predict Surge in FHA Streamline Refis
FHA lenders are anticipating a spike in volume when changes to the FHA Streamline Refinance Program become effective next month. The...
May 11, 2012
FHA to Filter Out Unsuitable HECM Borrowers
The FHA and the reverse mortgage industry are working on guidelines that would help lenders in the Home Equity Conversion Mortgage program...
News from Our Industry Newsletters
November 23, 2011
Mortgage Securitization Issuance in 3Q11 Lags Primary Market; Securitization Rates Slow
Residential mortgage securitization rates declined in the third quarter of 2011, but surging volume in the primary market will push new MBS...... from Inside MBS & ABS
September 29, 2011
FHA Can’t Stop Officers of Firms with Unresolved Indemnification Pacts from Reentering Market
Former executives of mortgage companies that failed to indemnify the Department of Housing and Urban Development on FHA losses are back in...... from Inside Mortgage Finance
May 9, 2011
DoJ, HUD Sue Deutsche Bank, MortgageIT, Eschew Admin.
The Department of Justice and the Department of Housing and Urban Development last week announced they had filed a civil mortgage fraud...... from Inside Regulatory Strategies
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- RESPA 2012: Preparing for Upcoming Changes
- Refinancing Underwater Borrowers
- Domino Effect: Understanding the Impact of the Foreclosure Settlement
- Buyback Strategies for 2012
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News from Inside Nonconforming Markets
May 11, 2012
Non-Agency Market Dwarfed by GSEs, Industry Looks for Ways to Move Ahead
“The private market will never come back if the best deal for the private investor is the government,” Lewis Ranieri, chairman...
May 11, 2012
Redwood Sends Mixed Signals on Jumbo MBS
After a tough economic environment had officials at Redwood Trust considering whole loan sales in lieu of non-agency securitization, the...
May 11, 2012
Ocwen Focusing on Principal Mods, Diversification
Ocwen Financial has been a leader in principal-reduction loan modifications and officials at the company suggest the mods give Ocwen a...
News from Our Industry Newsletters
July 15, 2011
Higher MIP Hurts FHA Lending, Lenders Say
Raising the annual mortgage premium by 25 basis points has resulted in some reduction in FHA lending but not so dramatic as to send lenders...... from Inside FHA Lending
May 19, 2011
Mortgage Market at a Glance
Weekly mortgage rates and application survey data as well as indexes for ARMs.... from Inside Mortgage Finance
April 22, 2011
Resecuritizations Continue to Dominate Non-Agency MBS Issuance, But New Rules May Get in the Way
With the flow of new jumbo mortgage securitizations still running at a trickle, the non-agency MBS market remains dominated by...... from Inside MBS & ABS
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Webinars
- RESPA 2012: Preparing for Upcoming Changes
- Refinancing Underwater Borrowers
- Domino Effect: Understanding the Impact of the Foreclosure Settlement
- Buyback Strategies for 2012
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