Several borrowers are opting for mortgages with balances right at the conforming loan limit even though interest rates on jumbos are often lower. Relatively tight underwriting standards for jumbos look to be the cause.

The CFPB is considering whether to provide QM status to mortgages that didn’t miss payments in the early years after origination. The proposal has support from some lenders.

Holdings of first liens by banks and thrifts increased in the second quarter. JPMorgan Chase ranked second with a portfolio of $231.21 billion, but its holdings were off on both a quarterly and an annual basis.