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Home » Topics » Inside Mortgage Finance » Originations

Originations
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California Remains the GSE Loan King

December 29, 2015
Paul Muolo
California also has the distinction of having one of the higher broker-GSE ratios in the nation: 21.5 percent.
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Short Takes: Home Prices Back to Pre-Bust Levels / Hot Growth for Denver, SF, Portland / A 10-Year HELOC / FHLB Cuts Warehouse Line / WJB Picks a New CIO

December 29, 2015
Carisa Chappell, Brandon Ivey, and Paul Muolo
It’s not every day that a Federal Home Loan Bank tells one of its members to reduce its credit facilities...
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Behind the GSE Risk-Share Goals: Why Next Year’s Activity Could Turn out to be Less

December 29, 2015
John Bancroft
In 2015, the two GSEs sold credit risk on about $407 billion of UPB through their back-end risk-transfer programs. The actual amount of credit risk transferred was $12.6 billion.
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United Wholesale Mortgage Bucks the TRID Trend: No Delays in Loan Closings

December 28, 2015
Paul Muolo
Mat Ishbia of UWM said the money his company spent getting ready for TRID is an expense "for the long haul..."
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More Front-End Changes to Deal With: GSE Loan Application Will Undergo a Major Redesign

December 28, 2015
Carisa Chappell
New data fields will be added to support Fannie’s and Freddie’s requirements, as well as those required by the FHA, VA, USDA and CFPB...
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Clayton Homes Pushes Back Against Accusations of Discriminatory Lending on Manufactured Homes

December 28, 2015
Brandon Ivey
Clayton said the outlets’ analysis didn’t include factors such as a borrower’s credit score, downpayment, loan size, collateral and land type...
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Short Takes: More TRID Snafus: Who Makes the Disclosure? / Electronical Acceptances Key / The Marijuana Trade and Home Prices / Microscopic Changes in Rates / HFH Hires New CIO

December 28, 2015
Paul Muolo and Sherry Muolo
Is the booming marijuana trade in Colorado causing home prices to rise in the Rocky Mountain (High) state? Not necessarily...
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Will Ginnie Mae Pass Freddie Mac in MBS Outstanding?

December 23, 2015
John Bancroft
Ginnie Mae production topped Freddie Mac’s issuance in 2014 and was comfortably ahead after the first 11 months of this year.
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More ‘Boomer’ Mortgage Executives Working Well Past Retirement Age?

December 23, 2015
Paul Muolo and Sherry Muolo
None of the executives interviewed by Inside Mortgage Trends could put hard numbers on how many executives have been sticking around the industry past 70 years of age, but none had a doubt that there were still plenty to be counted.
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Time to Stop Blaming TRID for Everything, Including the NAR Sales Figures?

December 23, 2015
Brandon Ivey
Industry analysts didn’t have TRID to blame for the decline in home sales last year. Instead, NAR's Lawrence Yun said the decline was part of a seasonal trend.
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