There’s been a significant increase in high debt-to-income lending, according to industry experts speaking on a panel highlighting trends in mortgage credit at the Mortgage Bankers Association conference in Washington, DC, last week. Stephen Mackey, executive vice president and chief risk officer at Mortgage Guaranty Insurance Corp., asked, “Are we setting up borrowers for success?” Home prices are soaring at twice the rate of income growth and both DTI and loan-to-value ratios ...

Publicly-traded commercial banks and thrifts saw a modest decline in mortgage income during the third quarter, according to a new Inside Mortgage Trends analysis of earnings reports. A diverse group of 23 banks reported a combined $1.926 billion in mortgage banking income for the third quarter, down 1.8 percent from the previous period. Their combined year-to-date profits totaled $6.132 billion, off 13.6 percent from the first nine months of 2017. All but one ... [Includes one data chart]

As the White House continues looking for the right candidate to head the Federal Housing Finance Agency, industry trade group officials and stakeholders have come to the conclusion that the days of new “pilot” programs for Fannie Mae and Freddie Mac may be over.

The New York-based real estate investment trust has been on an MSR acquisition tear the past three years...

John Ryan, president and CEO of the CSBS, compared the potential impact from the fintech charter to issues involving federal preemption of state laws in the lead up to the financial crisis.

While the FHFA has proposed a formal rulemaking on GSE capital, the current standard known as the conservatorship capital framework has not been made public…

The mortgage market was somewhat more top-heavy in the third quarter, with the top 25 lenders accounting for 57.7 percent of total production…

Mortgage originations tapered off slightly from the second to the third quarter of 2018, according to a new analysis by Inside Mortgage Finance. [Includes one data chart.]

Although industry-wide mortgage production was relatively stable during the third quarter, lenders up and down the ranking reported significantly different trend lines. [Includes one data chart.]

Computershare Loan Services has a message for the residential finance sector: If you’re looking to sell mortgage servicing rights, CLS wants to talk to you.