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Inside Mortgage Finance

Mortgage Lending & Servicing
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FHA & Ginnie Mae
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May 23, 2013

Originations Fade in Major Product Types During Early 2013, But Jumbo Still Near Cyclical High

The two biggest components of the residential mortgage market – conventional loans below the conforming loan limits and...

May 23, 2013

MBA Offers More Detailed Proposal For ‘Up-Front’ Risk-Sharing Using Private MI to Get Lower G-Fees

Private capital could better find its way back into the mortgage market, with decreasing costs for taxpayers and borrowers, if Fannie Mae...

May 23, 2013

Bickering in Congress Over ATR Rule and Qualified Mortgages Continues, Legislative Changes Unlikely

Republicans and even some Democrats in the House are calling for significant changes to the Consumer Financial Protection Bureau’s...

News from Our Industry Newsletters

May 24, 2013

Mortgage Banking Operations Sold Less But Earned More in Early 2013

Banks and thrifts continued to generate very strong earnings from their mortgage banking operations during the first quarter of 2013, despite...... from Inside Mortgage Trends

May 3, 2013

Wells Fargo to Appeal Ruling on NY FCA Case

Wells Fargo will reportedly appeal a federal judge’s decision that a $25 billion agreement Wells and four other banks made with federal...... from Inside FHA Lending

May 3, 2013

Data: Bank Holdings of NegAm Mortgages

A ranking of the top 25 bank holders of negative amoritization mortgages as of the end of 2012.... from Inside Nonconforming Markets

April 26, 2013

Commercial Mortgage Securitization Streaks to Post-Crash Record in Early 2013 as the Non-Agency Sector Heats Up

Securitization of income-property mortgages jumped 23.0 percent from already strong levels during the first three months of 2013, according to...... from Inside MBS & ABS

Webinars

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

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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May 24, 2013

Bank MBS Investment Continued to Shrink in Early 2013, But Hold Steady in Agency MBS

Banks and thrifts saw another drop in their MBS holdings in the first quarter of 2013 despite holding their own against the Federal...

May 24, 2013

Securitization Players Endorse Unsolicited Rating Requirement, Differ on Specifics

Security issuers, investors and the rating services largely praised unsolicited rating requirements established by the Securities and...

May 24, 2013

Analysts: Rumors of Extending HARP Eligibility By One Year Could Strain Servicer Resources

Even as industry chatter increases about an effort to extend the eligibility date of the Home Affordable Refinance Program, analysts...

News from Our Industry Newsletters

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 26, 2013

Lehman Sues FHLB Cincinnati for Unpaid Swaps

The Federal Home Loan Bank of Cincinnati says a unit of Lehman Brothers Holdings is not entitled to a multimillion dollar payday because the...... 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

December 14, 2012

Support for Proposed MBS Accounting Change

The Mortgage Bankers Association said it largely supports accounting changes that would impact holdings of mortgage-backed securities. Under a...... from Inside Mortgage Trends

Webinars

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

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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May 24, 2013

Senators Working on Bipartisan GSE Bill

Sens. Mark Warner, D-VA, and Bob Corker, R-TN, are working on legislation that would create a new federal mortgage guarantor, replacing...

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...

May 24, 2013

FHFA: FHLBanks Should Expect Increased Attention

The 12 Federal Home Loan Banks should expect increased “regulatory attention” going forward to ensure their GSE funding advantage...

News from Our Industry Newsletters

May 24, 2013

Underwriting Standards Loosening Slightly

Mortgage underwriting standards have loosened slightly recently, though nowhere near levels seen during the subprime boom. Federal regulators...... from Inside Mortgage Trends

May 24, 2013

GSE Common Securitization Platform Raises Many Questions, CEO Search Not Yet Begun

When was the last time a financial institution operating under a government conservatorship started a new company, one that potentially stands...... from Inside MBS & ABS

May 17, 2013

Jumbo Sector Has Key Role in GSE Reform

Activity in the non-agency jumbo market could play a big role in determining how to reform the government-sponsored enterprises, according to...... from Inside Nonconforming Markets

May 16, 2013

More GSE Business in Multi-Issuer Pools as Smaller Lenders Cope With Depleted Correspondent Channel

More Fannie Mae mortgage business is ending up in multi-issuer pools as more lenders turn to direct sales to the government-sponsored...... from Inside Mortgage Finance

Webinars

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

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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May 20, 2013

Vote on Cordray Nomination Nigh, Obama Recess Appt. Nixed Again

Senate Majority Leader Harry Reid, D-NV, indicated last week he plans to push for a Senate confirmation vote sometime this week on...

May 20, 2013

Sen. Crapo Presses Director for Answers on Huge Data Collection

U.S. Sen. Mike Crapo, R-ID, ranking member of the Senate Banking, Housing and Urban Affairs Committee, wrote CFPB Director Richard Cordray...

May 20, 2013

CFPB Criminal Referral Prompts DOJ Action Against Debt Relief Firm

Based on a criminal referral from the CFPB, the Justice Department has filed a complaint in New York against Mission Settlement Agency, a...

News from Our Industry Newsletters

May 24, 2013

Appeals Court Exempts GSEs from MI Transfer Taxes

A federal appeals court has ruled in favor of Fannie Mae and Freddie Mac, overturning a lower court ruling that the counties and state 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 23, 2013

Credit Agency Reporting Glitch Creating Foreclosure Woes for Short-Sale Borrowers

The lack of a specific computer code for reporting short-sale mortgage transactions is creating numerous false reports of foreclosure on...... from Inside Mortgage Finance

May 17, 2013

Policy Change Could Put Loans in HPML Category

Changes to the FHA’s mortgage insurance premium cancellation policy, which take effect on June 3, could ultimately cause some FHA loans...... from Inside FHA Lending

Webinars

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

News from Inside Mortgage Trends

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May 24, 2013

Mortgage Banking Operations Sold Less But Earned More in Early 2013

Banks and thrifts continued to generate very strong earnings from their mortgage banking operations during the first quarter of 2013,...

May 24, 2013

Loan Broker Employment Hits Five-Year High

Although table-funding transactions fell slightly in terms of market share in the first quarter, prospects are looking up for mortgage...

May 24, 2013

Underwriting Standards Loosening Slightly

Mortgage underwriting standards have loosened slightly recently, though nowhere near levels seen during the subprime boom. Federal...

News from Our Industry Newsletters

May 24, 2013

Speculators Drive Up GSE ‘Junior’ Preferred Stock

Speculators have been driving up the price of Fannie Mae and Freddie Mac junior preferred stock, hoping that given the GSE’s rapidly...... from Inside The GSEs

May 17, 2013

Sanctions for Failure to Use New Codes, Says HUD

FHA lenders now face more stringent default monitoring and reporting requirements as federal housing regulators try to keep close tabs on loan...... from Inside FHA Lending

May 2, 2013

Genworth Posts Impressive First-Quarter Gains While Other MIs See Mixed Results in Business on Legal Fronts

Genworth Financial reported improved first-quarter earnings, Mortgage Guaranty Insurance Co. made some progress on the litigation front while...... from Inside Mortgage Finance

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

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

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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May 17, 2013

SunTrust Negotiates Settlement of FCA Case

SunTrust Mortgage is in settlement discussions with the Department of Housing and Urban Development and the Department of Justice over...

May 17, 2013

Policy Change Could Put Loans in HPML Category

Changes to the FHA’s mortgage insurance premium cancellation policy, which take effect on June 3, could ultimately cause some FHA...

May 17, 2013

Sanctions for Failure to Use New Codes, Says HUD

FHA lenders now face more stringent default monitoring and reporting requirements as federal housing regulators try to keep close tabs on...

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

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

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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May 17, 2013

Ocwen Dominates Subprime Servicing; Servicers Eye $300+ Billion in Transfers

Boosted by acquisitions from Homeward Residential and Residential Capital, Ocwen Financial handled a whopping 33.7 percent share of the...

May 17, 2013

Shellpoint Ready to Issue Non-Agency MBS

Shellpoint Partners received approval last week for a $2 billion shelf registration from the Securities and Exchange Commission, paving the...

May 17, 2013

Separate R&W Regimes Possible for Jumbo MBS

Although Redwood Trust’s soup-to-nuts approach to representations and warranties has dominated the fledgling recovery in jumbo...

News from Our Industry Newsletters

May 16, 2013

Experts: Open Jumbo Mortgage Market to Private Capital, Make Government Guaranty ‘Explicit’

In exploring how to attract more private capital into the housing finance system, policymakers should permit the jumbo mortgage market to...... from Inside Mortgage Finance

May 10, 2013

Although the Jumbo MBS Market is Picking Up Steam, Pitfalls Await Including Rising Swap Prices

As more firms contemplate issuing jumbo MBS, there are growing concerns that there could be a few speed bumps along the way, namely rising...... from Inside MBS & ABS

April 26, 2013

Jumbo Giant Looks to Conventional Mortgages

For years, Union Bank of San Francisco has made a name for itself as a top-ranked portfolio lender of jumbo mortgages – but all that...... from Inside Mortgage Trends

April 5, 2013

FHA Allows Retirement Funds in DTI Calculation

The FHA may allow a borrower’s 401(k) retirement fund to be included in the calculation of debt-to-income (DTI) ratio, according to the...... from Inside FHA Lending

Webinars

QM Checklist: Prepare for Ability-to-Repay/Qualified Mortgage Implementation
Fair Lending Challenges: Preparing for Increased Enforcement
Doing Business with Fannie and Freddie in 2013: Exploring Delivery/Seller Requirements
LO Compensation: The New Rules

Data

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

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March 8, 2013

Nationstar Wins TBW Bid? / Agency MBS Takes a Breather in February / Mortgage Brokers Rock / Ed DeMarco, the Most Powerful Man in Mortgage Finance Today? / Broker Sheds Tears Over New Subprime Firm

Nationstar appears to be the winning bidder on the Taylor Bean & Whitaker MSR pacakge. Meanwhile: Ed DeMarco, the most powerful man in mortgage finance today?

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What should be done to “reform” Fannie Mae’s and Freddie Mac’s position in the mortgage market?

Wind the two GSEs down as quickly as possible while setting up some new government guarantee program for conservatively underwritten conventional mortgages.

Let the two GSEs continue to funnel money to the Treasury while developing a plan to take them out of conservatorship as private companies.

Do nothing since the housing market is too dependent on the two GSEs and Congress is unlikely to agree on a major change in the status quo anytime soon.

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Nationstar Wins TBW Bid? / Agency MBS Takes a Breather in February / Mortgage Brokers Rock / Ed DeMarco, the Most Powerful Man in Mortgage Finance Today? / Broker Sheds Tears Over New Subprime Firm

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