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Latest News

  • Ginnie and FHFA Release Mostly Simpatico Eligibility Requirements for Servicer/Issuers

    August 17, 2022
    There are no stunning changes on the required capital minimums...
  • Angelo Gordon Unit Stocks GSE-Eligible Loans Into Non-Agency MBS

    August 17, 2022
    It's the first non-agency MBS with GSE-eligible mortgages for investment properties since May.
  • More Troubling Signs: The Purchase Index, Homebuyers Nixing Deals

    August 17, 2022
    The trade group describes home-purchase demand as "rapidly drying."
  • On the Comeback Trail: Assumable Mortgages?

    August 17, 2022
    HUD: “In the current rate environment, the assumability feature of FHA-insured mortgages is receiving greater attention.”
More Latest News

Latest Data

  • Agency Delinquency Rates: June 2020-June 2022 (PDF)

  • Top Primary Mortgage Servicers: 2Q22 (PDF)

  • Top Mortgage Originators: 6M22 (PDF)

  • Top Originators of Securitized Non-Agency Prime Mortgages: 6M22 (PDF)

  • Top Players in Bulk Agency MSR Transfers: 6M22 (PDF)

  • Top Prime-Jumbo and Expanded-Credit MBS Issuers and Underwriters: 2021-2Q22 (PDF)

More Latest Data

Latest Reports

  • Guide to Offshoring

  • Study of 2021 Mortgage Industry Compensation (PDF)

  • Lender Profiles 1Q22: Top 25 (PDF)

  • Agency Seller-Issuer Profile: 1Q22 (PDF)

  • Mortgage Profitability Report 1Q22 (PDF)

  • Top Mortgage Players 1Q22 (PDF Format)

  • 2022 Mortgage Market Statistical Annual (with U.S. shipping)

  • Agency Channel Analysis: 1Q22 (PDF)

More Latest Reports

Featured Data

  • Complaints

    Consumer Complaints Continue Record-Breaking Spree in 2Q22

    Consumer gripes filed with the CFPB increased 15.5% from the first to the second quarter, according to a new analysis. Complaints about credit reports accounted for more than three-fourths of the total. (Includes two data charts.)
  • Servicing

    Banks Gain Market Share in GSE Servicing in 2Q22

    The gap in GSE servicing volume between Chase Home Finance and Wells Fargo continued to narrow in the second quarter of 2022. (Includes two data charts.)
  • Characteristics

    GSE Sellers Lean Toward Higher-Risk Mortgages in 2Q

    Lenders that do business with Fannie Mae and Freddie Mac continued to deliver more mortgages with lower credit scores and higher loan-to-value ratios in the second quarter. (Includes two data charts.)
  • Agency MBS

    Agency MBS Issuance Down Again in July, ARMs Rising

    Agency single-family MBS issuance fell 7.3% from June to July, including a disappointing slowdown in the flow of purchase-money loans. Issuance of GSE Supers fell sharply as neither Fannie nor Freddie issued any commingled deals. (Includes two data charts.)
  • Servicing

    Mortgage Servicing Market Slightly Less Top-Heavy

    The top five servicers saw almost no growth in their combined owned servicing during the second quarter. But a number of companies in lower tiers posted big gains. (Includes three data charts.)
  • Government-Insured Servicing

    FHA and VA Delinquencies Rise in Second Quarter

    Delinquency rates on FHA and VA loans pooled in Ginnie Mae MBS increased in the second quarter of 2022. Most of the spike was on the FHA side. (Includes four data charts.)

Inside Mortgage Finance

  • Private MI Share Rises in 2Q22 as Refi Market Sinks

    For the first time since 2007, private MIs accounted for over half of new insured mortgage originations thanks to surging purchase-mortgage business in the second quarter. FHA and VA were hit much harder by the nosedive in refinance activity. (Includes three data charts.)
  • Margins Could Take a Hit as United Wholesale Aims for Market Share

    After cutting interest rates on its products in late June, UWM expects its gain on sale to decline from 99 bps in the first half of this year to as low as 30 bps in the third quarter.
    • A Respite in MSR Sales and Bids, But Probably Not for Long

    • Santander, Others Turning to Rocket for Mortgage Originations

    More Inside Mortgage Finance

Inside MBS & ABS

  • Non-Agency CMBS Market Cools, Agency MF Up in 2Q

    August 11, 2022
    While key sectors in the non-agency CMBS market faltered in the second quarter, retail and hospitality both saw hefty gains in securitization volume. The GSEs upped their issuance of multifamily MBS, but Ginnie production was down. (Includes two data charts.)
  • Non-Agency MBS Issuers Struggle Amid Weak Demand

    August 11, 2022
    There’s nowhere to hide for non-agency MBS issuers as quickly rising interest rates prompt losses. Loans the issuers are looking to sell have seen limited demand and lose value when retained even short-term.
  • GSE CRT Issuance Remains Elevated in Second Quarter

    August 11, 2022
    Fannie and Freddie issued a combined $17.57 billion in CAS and STACR certificates in the first half of 2022, more than in any full year since CRT was invented. (Includes data chart.)
  • Ginnie Mae Loosens Capital Standards for Credit Unions

    August 11, 2022
    While credit unions will be treated on par with banks, state housing finance agencies will be fully exempted from capital requirements imposed on those participating in the Ginnie MBS program.
More Inside MBS & ABS

Poll

Sales of bulk mortgage servicing rights are at a fever pitch these days. Has your shop gotten in on the buying frenzy?

View Results

Inside Nonconforming Markets

  • Volatility in Expanded-Credit Market Shakes Up MBS Contributors

    August 5, 2022
    The traditional leaders of contributions to expanded-credit MBS slowed their activity in the second quarter, with smaller entities filling some of the void. The types of loans going into MBS also shifted somewhat. (Includes three data charts.)
  • Redwood ‘Conservative’ with Jumbo Business in Rough 2Q

    August 5, 2022
    Redwood’s jumbo acquisition volume declined by more than 40% in the second quarter and the REIT took a loss on its residential activities. Officials at Redwood said the company is well-positioned moving forward.
  • Annaly Increasing Non-Agency Aggregation Activity

    August 5, 2022
    Annaly is seeing strong returns from its aggregation and sales of non-agency mortgages even with weak demand in the secondary market. The REIT boosted its non-agency MBS issuance with plans for further growth.
  • Non-QMs Take Bite Out of MFA’s Earnings in Second Quarter

    August 5, 2022
    MFA Financial took another loss in the second quarter as its holdings of non-QMs lost value and MBS with the loans was met with weak demand. The nonbank’s business-purpose lending unit also took a loss.
More Inside Nonconforming Markets

Videos

  • Whoswho0821thumb
    Who's Who in Housing August 2021
  • Citizensthumb
    Quick Look at Citizens Bank 2Q20
  • Topplayers1q20th
    IMF Looks at 1Q20

Inside Mortgage Trends

  • Nonbank Mortgage Earnings Tumble in Second Quarter

    August 12, 2022
    Publicly traded nonbank mortgage lenders posted sharply lower profits in the second quarter as strong competition cut into margins. Two firms managed to increase mortgage-related income: homebuilders. (Includes data chart.)
  • Ginnie Leads Agency MBS Default Rate Up in 2Q22

    August 12, 2022
    The overall delinquency rate in agency MBS inched up to 1.97% at the end of June. All of the increase in late payments was seen in the Ginnie Mae program. (Includes data chart.)
  • Three Years After Being Sold to Freedom, RoundPoint is Sold Again

    August 12, 2022
    It’s been a bit quiet on the mortgage company M&A front the past few months, but a few deals are getting done, including Two Harbors agreeing to buy RoundPoint Mortgage.
  • Markup Illustrates Partisan Stances on Alt Data

    August 12, 2022
    A bill brought by Democrats that would allow consumers to require the consideration of alternative data such as rent and utility payments in underwriting their mortgage recently cleared the House Financial Services Committee.
More Inside Mortgage Trends

Inside FHA/VA Lending

  • Ginnie July Issuance Down as Refis, Loan Mods Plunge

    An increase in purchase mortgages wasn’t enough to offset ongoing declines in refi volume, pushing issuance of Ginnie MBS down 2.9% in July compared with June. (Includes two data charts.)
  • Private MIs Introduce Targeted Price Hikes

    Private mortgage insurance companies are raising premiums on a targeted basis, in part so they can better manage risk in an increasingly volatile economy.
  • FCRA Offers Insight into FHA’s Mulling of MIP Cuts

    Changes in the housing market and economic outlook could impact how FHA officials consider whether, when and how to make changes to FHA’s mortgage insurance premium.
  • Senate Approves HUD Budget with 7% Boost

    The Senate last week approved $70 billion in budgetary resources for the Department of Housing and Urban Development as part of its fiscal 2023 appropriations package.
More Inside FHA/VA Lending

Premium Newsletter Content

  • Inside Mortgage Trends

    Nonbank Mortgage Earnings Tumble in Second Quarter

    Publicly traded nonbank mortgage lenders posted sharply lower profits in the second quarter as strong competition cut into margins. Two firms managed to increase mortgage-related income: homebuilders. (Includes data chart.)
  • Inside Mortgage Finance

    Private MI Share Rises in 2Q22 as Refi Market Sinks

    For the first time since 2007, private MIs accounted for over half of new insured mortgage originations thanks to surging purchase-mortgage business in the second quarter. FHA and VA were hit much harder by the nosedive in refinance activity. (Includes three data charts.)
  • Inside Nonconforming Markets

    Volatility in Expanded-Credit Market Shakes Up MBS Contributors

    The traditional leaders of contributions to expanded-credit MBS slowed their activity in the second quarter, with smaller entities filling some of the void. The types of loans going into MBS also shifted somewhat. (Includes three data charts.)
  • Inside MBS & ABS

    Non-Agency CMBS Market Cools, Agency MF Up in 2Q

    While key sectors in the non-agency CMBS market faltered in the second quarter, retail and hospitality both saw hefty gains in securitization volume. The GSEs upped their issuance of multifamily MBS, but Ginnie production was down. (Includes two data charts.)
  • Inside the CFPB

    Mortgage-Related Complaints Decline in Second Quarter

    Complaints to the CFPB about mortgages decreased in the second quarter, with gripes tied to originations slowing faster than servicing issues. Mr. Cooper remained the mortgage company with the most complaints. (Includes two data charts.)
  • Inside The GSEs

    Decline in GSE MBS Issuance Slows in July

    Purchase-mortgage business held steady in Fannie/Freddie MBS issuance in July while refinance volume continued to drop. (Includes two data charts.)
  • Inside FHA/VA Lending

    Ginnie July Issuance Down as Refis, Loan Mods Plunge

    An increase in purchase mortgages wasn’t enough to offset ongoing declines in refi volume, pushing issuance of Ginnie MBS down 2.9% in July compared with June. (Includes two data charts.)

Inside The GSEs

  • Decline in GSE MBS Issuance Slows in July

    Purchase-mortgage business held steady in Fannie/Freddie MBS issuance in July while refinance volume continued to drop. (Includes two data charts.)
  • FHFA Requiring Servicers to Retain Fair Lending Data

    Beginning in March 2023, GSE servicers will have to retain fair lending data. FHFA set the requirement, citing lessons learned during the pandemic.
    • Former Fannie Chair Pushes for End of Conservatorship

    • Strong Stress Test Results for Fannie and Freddie

    • Limited Interest in Freddie’s STACR Tender Offer

    More Inside The GSEs
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