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Inside Mortgage Finance

Mortgage Lending & Servicing
Securities
GSEs
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Trends & Profitability
FHA & Ginnie Mae
Nonconforming

News from Inside Mortgage Finance

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June 13, 2013

Lenders Fearful of Crashing at the Intersection Of ATR Boulevard and Fair Lending Expressway

Mortgage lenders are increasingly anxious that they may be blindsided by fair lending claims based on the disparate impact theory as they...

June 13, 2013

Experts: GSE Shareholders Face ‘Heavy Lift’ in Suit Against Government Takeover of Fannie and Freddie

The federal government seized control of Fannie Mae and Freddie Mac by extra-legal means during the 2008 financial crisis and then went out...

June 13, 2013

Will Non-QM Mortgages be the New Subprime? And How Will You Safely Navigate Those Waters?

Some experts are predicting that the new ability-to-repay rule issued by the Consumer Financial Protection Bureau, which sets the...

News from Our Industry Newsletters

June 17, 2013

Bureau Issues Exam Procedures For January Mortgage Rules

The CFPB has published the first update to its exam procedures for the new mortgage regulations it issued in January 2013 having to do with...... from Inside the CFPB

June 14, 2013

HUD Warns Lenders on Missing Partial-Claim Docs

The Department of Housing and Urban Development has issued guidance on several FHA issues, including partial-claim documentation and delivery...... from Inside FHA Lending

June 14, 2013

Banks Add Nonconforming Mortgages to Portfolio

Bank and thrift holdings of mortgages were higher in the first quarter of 2013 compared to a year ago, driven by originations of nonconforming...... from Inside Nonconforming Markets

May 10, 2013

Earnings Boost in Production Activity Offset Downturn in Servicing in 1Q13

A jump in production income during the first quarter spurred a sharp increase in profitability that more than made up for a downturn in...... from Inside Mortgage Trends

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

Top Originators
Origination Indicators
Originations by Product
Top Mortgage Servicers
Servicer Delinquency Rates
Primary Mortgage Insurance Activity

News from Inside MBS & ABS

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Current Issue
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June 14, 2013

Former Rating Analysts Blame Management At Rating Services for Conflicts of Interest

Former rating analysts at two of the major rating services told the Securities and Exchange Commission that problems with the rating system...

June 14, 2013

SEC Prompted Changes Before Approving Shellpoint’s Shelf Registration Statement

The Securities and Exchange Commission sought changes large and small before approving the non-agency MBS shelf registration statement of...

June 14, 2013

House Republicans Seek to Replace GSEs with Non-Agency Market, Many Obstacles in That Path

“As lawmakers, it is time to open up our eyes and open up our minds to alternative models and a pathway forward,” said Rep. Jeb...

News from Our Industry Newsletters

June 6, 2013

MBA Seeks ‘Equal Access’ to Secondary Market For Smaller Lenders, Same Guaranty Fee for All

Small lenders should be afforded “equal access” to the secondary market and the same execution opportunities as their larger...... from Inside Mortgage Finance

May 31, 2013

FHA Won’t be Part of Eminent Domain Scheme

A top official of the Department of Housing and Urban Development said the agency is as concerned as Congress and the industry about mortgages...... from Inside FHA Lending

April 26, 2013

Judge Orders UBS to Surrender Documents to FHFA

One week after UBS Americas failed in its bid to shutter a lawsuit brought by the Federal Housing Finance Agency in connection with non-agency...... from Inside The GSEs

January 29, 2013

QM to Harm Market’s Supply and Demand Principles, Scholars Say

The CFPB’s new qualified mortgage rules will frustrate the market and adversely impact traditional supply and demand principles that...... from Inside the CFPB

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

Mortgage & Asset Securities Issuance
Mortgage Securitization Rates
Top Mortgage Securities Producers
Outstanding Mortgage Securities
Non-Agency MBS Issuance by Type
Mortgage-Related Security Holdings by Investor
Thrift Industry Mortgage Security Holdings

News from Inside The GSEs

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Current Issue
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June 7, 2013

Proposed GSE Wind Down No Sure Thing

Fannie Mae and Freddie Mac out of existence, the two GSEs aren’t going anywhere for the near-future, say industry observers. Two bills...

June 7, 2013

ICBA: Make Good GSE Preferred Stock Losses

When Fannie Mae and Freddie Mac were placed in government conservatorships in September 2008, roughly 600 banks and thrifts saw $8 billion...

June 7, 2013

MBA Seeks Same Guaranty Fee for Lenders of All Sizes

As Fannie Mae’s and Freddie Mac’s portfolios wind down, the two GSEs should maintain sufficient balance sheet space to allow for...

News from Our Industry Newsletters

June 14, 2013

Non-Agency Jumbo Market Seen as Ideal

Policymakers looking for a model to replace the government-sponsored enterprises should look no further than the non-agency jumbo market,...... from Inside Nonconforming Markets

June 14, 2013

House Republicans Seek to Replace GSEs with Non-Agency Market, Many Obstacles in That Path

“As lawmakers, it is time to open up our eyes and open up our minds to alternative models and a pathway forward,” said Rep. Jeb...... from Inside MBS & ABS

May 3, 2013

HUD Closes Offices, Restructures Multifamily Hubs

The Department of Housing and Urban Development has announced plans to consolidate multifamily hubs nationwide and close a number of its...... from Inside FHA Lending

April 12, 2013

GSE Repurchase Data Suggest Industry May Be Turning the Corner on Buybacks

Despite an uptick in the fourth quarter, the volume of Fannie Mae and Freddie Mac mortgages repurchased by lenders declined by 10.3 percent...... from Inside Mortgage Trends

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

GSE Mortgage Pool Characteristics
GSE Business Summary
GSE Market Share
Fannie Mae & Freddie Mac Activity
Top Mortgage Sellers to Fannie & Freddie

News from Inside the CFPB

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Current Issue
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June 17, 2013

SCOTUS Accepts Mt. Holly case; Next Up: Noel Canning v. NLRB

The Supreme Court of the United States announced Monday, June 17, that it decided to grant the petition for certiorari in the disparate...

June 17, 2013

How Do You Thread the ATR Needle? Think “CADI,” Pro Says

Bruce Schultz, head of mortgage operations for SpiritBank, offered attendees at the American Bankers Association’s regulatory...

June 17, 2013

Complaint Management Can Be a Competitive Advantage for a Bank

With consumer complaints being taken to levels near seen before by a regulatory authority – the CFPB – many lenders are quite...

News from Our Industry Newsletters

June 14, 2013

Wells Fargo Agrees to Settle REO Anti-Bias Charge

Wells Fargo has reached an agreement with the Department of Housing and Urban Development and fair housing advocacy groups to improve its...... from Inside FHA Lending

May 24, 2013

Dems Consider ‘Plan B’ for New FHFA Director

Progressives and other “Dump DeMarco” advocates are looking to a “Plan B” to replace the current, long-time acting head of...... from Inside The GSEs

May 24, 2013

Ginnie Efforts to Consolidate MBS Programs Could Be Costly, But Most Participants Support Concept

Ginnie Mae officials are moving ahead to create a blueprint for consolidating its two MBS programs, although some industry experts say the...... from Inside MBS & ABS

May 3, 2013

ASF Seeks Changes to Increase Non-Agency Share

The American Securitization Forum proposed a number of regulatory and legislative changes last week to increase non-agency activity. The...... from Inside Nonconforming Markets

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

News from Inside Mortgage Trends

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June 7, 2013

BofA Settlement Sends Bank Repurchase Activity to Second Highest Level Ever

Mortgage repurchases and indemnifications soared to a whopping $12.83 billion during the first quarter of 2013, a huge anomalous blip in an...

June 7, 2013

Banks Alone More Reliant on Short Sales

Reports of short sales being the new “order of the day” for servicers appear to be overblown. The proclamations were prompted by...

June 7, 2013

Opposition to Change for Credit Loss Accounting

Mortgage industry participants are largely opposed to changes to accounting for credit losses proposed by the Financial Accounting...

News from Our Industry Newsletters

June 14, 2013

Wells Fargo Agrees to Settle REO Anti-Bias Charge

Wells Fargo has reached an agreement with the Department of Housing and Urban Development and fair housing advocacy groups to improve its...... from Inside FHA Lending

June 13, 2013

With Refi Applications Falling, Can Mortgage Layoffs Be Far Behind?

When the going gets tough in the mortgage lending business, the tough starting laying off loan officers, underwriters, processors, and any...... from Inside Mortgage Finance

May 10, 2013

GSE Earnings Soar in 1Q, Fannie Claims DTA

Fannie Mae hit an earnings home run in the first quarter while revealing that it has released $50.6 billion in “deferred tax...... from Inside The GSEs

April 4, 2013

SFIG in Initial Stages of Competing With ASF, Looking for Executive Director

The Structured Finance Industry Group formed as a non-profit company about a month ago and is working to set up an infrastructure to compete...... from Inside MBS & ABS

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

Production & Servicing Income
Mortgage Earnings Snapshot
Bank Mortgage Banking Activity
Bank Mortgage Banking Earnings
Bank Mortgage Repurchase Activity

News from Inside FHA Lending

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June 14, 2013

FHA, DOJ Deliver Another FCA Blow

The FHA and the Department of Justice have ramped up enforcement actions against more than a dozen mortgage lenders in recent weeks for...

June 14, 2013

VA Plans to Raise Residual Income Requirement

The Department of Veterans Affairs is planning to raise the residual income limit requirement for home loan applicants by 15 percent –...

June 14, 2013

HUD OIG to Submit Legislative FHA Reform Plan

The Department of Housing and Urban Development’s Office of the Inspector General is drafting legislative recommendations to...

News from Our Industry Newsletters

April 19, 2013

Congress Ready to Start Debate on GSE Reform

The Senate Banking, Housing and Urban Affairs Committee hasn’t marked up a bill in more than a year, but Democrats and Republicans on the...... from Inside Nonconforming Markets

April 19, 2013

Ginnie Mae Seeks Wall Street Views About Maintaining Bifurcated Securities Programs

Ginnie Mae is seeking comment from Wall Street dealers on whether the agency should continue maintaining two separate MBS programs, or...... from Inside MBS & ABS

April 4, 2013

Last Minute Rush by FHA Borrowers Helped Boost Overall Purchase Applications, MBA Weekly Survey Finds

Applications for purchase mortgages surged last week as FHA borrowers rushed to get their applications in before April 1, when higher FHA...... 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 the CFPB

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

Top FHA Lenders
Top HECM Lenders
Top FHA Jumbo Lenders
Top FHA Servicers
Top Ginnie Mae Issuers
Top Ginnie Mae Servicers

News from Inside Nonconforming Markets

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Current Issue
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June 14, 2013

Former CFPB Officials to Originate Mortgages Outside QM Credit Box

Officials at the Consumer Financial Protection Bureau claim that lenders will originate home loans that don’t meet the new qualified...

June 14, 2013

Banks Add Nonconforming Mortgages to Portfolio

Bank and thrift holdings of mortgages were higher in the first quarter of 2013 compared to a year ago, driven by originations of...

June 14, 2013

Redwood Relying on Small Lenders for Jumbos

Redwood Trust’s latest non-agency jumbo mortgage-backed security, its eighth of the year, consisted of originations from 67 lenders....

News from Our Industry Newsletters

June 17, 2013

Raj Date’s New Finance Company Will Focus on Non-QM mortgages

Former top CFPB officials are banking on the widespread assumption that most mortgage lenders plan to avoid making mortgages that do not meet...... from Inside the CFPB

June 14, 2013

Wells Fargo Agrees to Settle REO Anti-Bias Charge

Wells Fargo has reached an agreement with the Department of Housing and Urban Development and fair housing advocacy groups to improve its...... from Inside FHA Lending

June 13, 2013

Will Non-QM Mortgages be the New Subprime? And How Will You Safely Navigate Those Waters?

Some experts are predicting that the new ability-to-repay rule issued by the Consumer Financial Protection Bureau, which sets the boundaries...... from Inside Mortgage Finance

June 7, 2013

Citadel Says It Will ‘Absolutely’ Securitize Nonprime Mortgages in the Next 12 Months

At first, residential origination volumes were slow at Citadel Loan Servicing Corp., a new player in a lonely market: nonprime production. But...... from Inside MBS & ABS

Webinars

Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement

Data

Top Non-Agency Jumbo Producers
Top Subprime Mortgage Originators
Top Subprime Mortgage Servicers
Top Alt A Lenders
Top Interest-Only/Option ARM Producers

MBS and Mortgage Investor Activity

Thrift Industry Mortgage Security Holdings

Thrift industry mortgage security holdings by year from 1987-2011, including GSE/GNMA pool MBS, non-agency pool MBS, agency REMICs, non-agency REMICs, total MRS, total MRS holdings for all FDIC-insured thrifts, and FHL bank MBS.

1987-2008 data includes 2008 quarterly numbers, while 2001-2Q11 data includes quarterly numbers for 2010-2Q11.

2001-2Q11 Data

1987-2008 Data

Webinars

The New Jumbo Opportunities: Are MBS Conduit Sales a Good Option?
Purchase-Mortgage Lending: Getting Ahead in a Post-Refi Market
QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation

IMFnews

Flagstar Once Again Contemplating Selling Huge...
Bank Production of Nonconforming Mortgages...
Industry Tells Congress: QM Will Severely...

Industry Reports

Data Reports:

GSE Private Mortgage Insurance Profile
Mortgage Profitability Report
GSE Seller Profile: 1Q13
GSE Repurchase Activity Full Year 2012
Top Mortgage Players
2013 Mortgage Market Statistical Annual

Research Reports:

2013 Guide to Fair Lending Compliance
Mortgage Seller's Guide to Agency Application
Guide to the CFPB's LO Comp Rule
Guide to the Ability-to-Repay Rule and Qualified Mortgages
The Complete Guide to Mortgage Buyback Strategies 2013: Managing Increasing Requests

Poll

What is the single biggest threat to the mortgage industry in the months ahead?

Rising mortgage rates that will cut off refinance activity as well as curb home purchases.

New regulations like the CFPB’s ability-to-repay/qualified mortgage rule that will make it harder to originate mortgages and will limit consumer choices.

The inability of Congress to address the federal budget and economic problems.

vote to see results

Most Popular Stories

Flagstar Once Again Contemplating Selling Huge MSR Package
Short Takes: MBA Wants GSEs to Synchronize Their AU Engines / Poll Shows Lenders Want GSEs Left Alone / A New Player in Wholesale / Cerberus Bidding on NPLs, More / Hank Paulson Wanted Receivership for Fannie and Freddie
Bank Production of Nonconforming Mortgages Bolsters Portfolios
Industry Tells Congress: QM Will Severely Restrict Credit
Short Takes: Don’t Buy GSE Preferred, Says Former Regulator / The Dr. Frankenstein of the Mortgage Industry / Mortgage Master Ramps Up Jumbo Lending / Not so Fast on Using a HELOC to Pay Off Student Loan Debt / Auction.com Branches Out

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