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Inside Mortgage Finance

Mortgage Lending & Servicing
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October 18, 2018

Agency Mortgage-Servicing Market Grew Modestly in 3Q18 as Nonbanks Continue Amassing Market Share

The agency mortgage-servicing market continued to grow at a steady pace during the third quarter of 2018, fueled by strong...

October 18, 2018

Ginnie Mae Working on Stress Tests and May Tighten Capital Standards. Agency Boots Lender from Program

With loan production on the wane and profit margins thinning, warehouse lenders, financiers and even regulators are growing increasingly...

October 18, 2018

Many Nonbanks Having Difficulty Meeting Covenants as Outside Observers Continue Warning About Increased Risk

Warehouse executives speaking on a panel at this week’s annual Mortgage Bankers Association convention offered a somewhat bleak view of the...

News from Our Industry Newsletters

October 19, 2018

Industry Calls for Removal of Antiquated USDA Interest-Rate Cap

Mortgage lenders are urging the U.S. Department of Agriculture/Rural Housing Service to eliminate the current interest-rate cap on...... from Inside FHA/VA Lending

October 16, 2018

CFPB to Define What’s ‘Abusive’ Under Its UDAAP Authority

The CFPB will start a rulemaking process to clarify what practices will be deemed “abusive” in the bureau’s sweeping authority to ban unfair,...... from Inside the CFPB

October 12, 2018

Freddie Mac Closes on LIHTC Fund for First Time in 10 Years

Freddie Mac closed on a low-income housing tax credit sale late last week after reentering the market for the first time in a decade. Up until...... from Inside The GSEs

October 12, 2018

MISMO Plans Non-Agency Standardization Effort

The Mortgage Industry Standards Maintenance Organization is launching an effort to standardize the loan-grading systems used by due diligence...... from Inside MBS & ABS

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News from Inside MBS & ABS

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October 19, 2018

Non-Mortgage ABS Production Down Sharply in 3Q18 But Market Still Ahead of Last Year’s Pace

Issuance of new non-mortgage ABS dropped significantly from the second to the third quarter of 2018, although a few sectors saw increased...

October 19, 2018

Issuers Choose Private Placement ABS to Avoid Hassles Involved with SEC-Registered Deals

ABS issued as private placements tend to draw less demand from investors than deals registered with the Securities and Exchange Commission,...

October 19, 2018

Fitch Faults Rating Service Competitors on Galton Non-Agency MBS; Suggests Criticism Will Continue

Fitch Ratings issued a commentary this week criticizing other rating services for the preliminary ratings they made on a non-agency MBS...

News from Our Industry Newsletters

October 19, 2018

Ginnie Mae to Require Servicer, Credit Ratings for Largest Issuers

Participants in Ginnie Mae’s single-family mortgage-backed securities program may expect new policy changes, including servicer and credit...... from Inside FHA/VA Lending

October 1, 2018

Secondary Market Unsettled About Liability Under TRID 2.0

The uncertainty about liability and cure mechanisms under the TRID 2.0 disclosure regime could have a negative impact on the secondary market,...... from Inside the CFPB

September 14, 2018

Freddie Helps Expedite Transition to One Market with Exchange Path

Freddie Mac is developing an exchange path in preparation for the single security initiative that will combine the Freddie and Fannie Mae...... from Inside The GSEs

January 19, 2018

Mortgage Industry Sees Promise in Blockchain

Distributed ledger technology known as blockchain has the potential to transform back-end functions in mortgage origination, servicing and...... from Inside Mortgage Trends

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News from Inside The GSEs

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October 12, 2018

GSE 1-Family Business Up 10% in 3Q18 as Purchase Market Grows

Seasonal housing-market factors pushed GSE single-family mortgage business higher in the third quarter, according to a new Inside The GSEs...

October 12, 2018

GSE Shareholders Win Will Allow Plaintiffs to Press Forward

A recent court ruling that affirmed the validity of claims that the GSE net worth sweep breached an implied covenant of good faith is a big...

October 12, 2018

Upcoming FHFA Hearing to Focus on Oversight of GSE Pilots

Pilot programs implemented by Fannie Mae and Freddie Mac over recent years will be the focus of a Senate Banking, Housing and Urban Affairs...

News from Our Industry Newsletters

October 19, 2018

More MBS Mix Jumbos and GSE-Eligible Loans

The latest prime non-agency mortgage-backed securities from Flagstar Bank and loanDepot include a mix of mortgages eligible for sale to the...... from Inside Nonconforming Markets

September 28, 2018

Securitization Rates Plummeted in 2Q18 as the GSEs Continue to Lag Behind Traditional Norms

The overall mortgage securitization fell sharply in the second quarter of 2018 as Fannie Mae and Freddie Mac MBS issuance failed to keep pace...... from Inside MBS & ABS

September 17, 2018

What’s the Fate of ‘GSE Patch’ Under ATR Rule? Some Options

The CFPB should drop the current debt-to-income ratio cap and the so-called GSE patch from the qualified-mortgage definition, the Urban...... from Inside the CFPB

September 7, 2018

Revised GSE Reform Legislation Strengthens GNMA’s Market Role

House Financial Services Committee Chairman Jeb Hensarling, R-TX, unveiled long-awaited legislation on government-sponsored enterprise reform...... from Inside FHA/VA Lending

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October 15, 2018

Industry Wants Clarity on Non-QM, Calling for Changes to ATR Rule

Originating home loans that don’t meet the qualified-mortgage standard remains a small, but rapidly growing market that’s looking more...

October 15, 2018

Industry Seeks Guidance on Market Services Arrangements; Zillow Wins

A recent court ruling that Zillow’s co-marketing program does not violate the Real Estate Settlement Procedures Act is helpful to the...

October 15, 2018

CFPB Tweaks Ways to Convey Supervisory Findings to Industry

The CFPB recently announced changes in how it communicates with lenders about supervisory events and how it will articulate supervisory...

News from Our Industry Newsletters

October 19, 2018

CMLA Seeks New Language for Bill Addressing ‘Orphan’ VA IRRRLs

Community mortgage lenders are asking the U.S. Senate to consider with caution before voting on legislative language passed recently by the...... from Inside FHA/VA Lending

October 18, 2018

CFPB Making Rules to Define ‘Abusive,’ But Experts Disagree on the Necessity of Doing so

The Consumer Financial Protection Bureau will issue a new rule that clarifies what lending practices will be considered “abusive,” said Acting...... from Inside Mortgage Finance

October 5, 2018

MBS/ABS Participants Getting Used to a ‘Constructive’ Relationship with Regulators in Trump Administration

Federal regulators have changed their tone under President Trump, according to participants in the MBS and ABS markets.... from Inside MBS & ABS

September 14, 2018

Lenders Seek Uniform Standard for Ad Disclosures

The Mortgage Bankers Association is working to reduce the speed talking and fine print that tend to accompany advertisements for mortgages....... from Inside Mortgage Trends

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October 12, 2018

Correspondent Platforms Gain Share in 3Q18 Agency Mortgage Market

Mortgages originated by correspondent lenders and sold to aggregators accounted for a larger share of agency business in the third quarter,...

October 12, 2018

FHA Market Growing Riskier in 2018

The credit characteristics of FHA loans pooled in Ginnie Mae mortgage-backed securities have gotten significantly riskier since the...

October 12, 2018

Mortgage Employment Down at Most Lenders

With single-family originations expected to decline in the next few quarters, most mortgage firms are keeping a close eye on costs, hiring...

News from Our Industry Newsletters

October 19, 2018

VA Final Rule on Cash-Outs to OMB, Agency Eyes November Issuance

The Department of Veterans Affairs has asked the Office of Management and Budget to review a draft final rule that would establish major...... from Inside FHA/VA Lending

October 5, 2018

News Briefs

Ocwen Financial completed its acquisition of PHH Corp. this week. Glen Messina was appointed as president and CEO of Ocwen as the $360 million...... from Inside Nonconforming Markets

October 4, 2018

The M&A Roundup: Lots of Chatter, Mostly Smaller Deals with Some Larger Ones Far From a Sure Thing

When the going gets tough in the mortgage industry and profit margins begin to wither, thinly capitalized lenders start heading for the exits....... from Inside Mortgage Finance

May 11, 2018

Fannie Mae and Freddie Mac Report Strong $7.2B Profit in 1Q

GSE earnings bounced back to a profitable status, as expected, in the first quarter, with Fannie Mae and Freddie Mac reporting a combined $7.2...... from Inside The GSEs

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News from Inside FHA/VA Lending

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October 19, 2018

FHA, VA Delinquencies Tip Slightly Higher in 3Q18 GNMA MBS Pools

The amount of single-family Ginnie Mae mortgage servicing rights increased a modest 0.9 percent during the third quarter, according to a...

October 19, 2018

Ginnie Mae to Require Servicer, Credit Ratings for Largest Issuers

Participants in Ginnie Mae’s single-family mortgage-backed securities program may expect new policy changes, including servicer and credit...

October 19, 2018

VA Final Rule on Cash-Outs to OMB, Agency Eyes November Issuance

The Department of Veterans Affairs has asked the Office of Management and Budget to review a draft final rule that would establish major...

News from Our Industry Newsletters

May 24, 2018

Senate Confirms Montgomery as FHA Commissioner after Democrats Lift Blanket Hold on Nominees for HUD Posts

The Senate this week confirmed Brian Montgomery as the next FHA commissioner and assistant secretary of housing at the Department of Housing...... from Inside Mortgage Finance

February 5, 2018

Service Member Mortgage Complaints Drifting Higher

Complaints by active-duty and retired U.S. military personnel about their mortgages rose in many categories tracked, both on a quarterly basis...... from Inside the CFPB

August 11, 2017

Low-Downpayment Lending Continues to Expand

Low-downpayment lending is the highest it’s been in almost seven years as the purchase market keeps growing, according to new data from Black...... from Inside Mortgage Trends

March 20, 2015

MBS Market Inched Higher in 4Q14, Agency Sector Growing Steadily

Steady growth in the outstanding supply of agency single-family MBS offset the ongoing decline in non-agency MBS in the fourth quarter of...... from Inside MBS & ABS

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News from Inside Nonconforming Markets

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October 19, 2018

Wells Fargo Returns to Jumbo MBS Market with its First Issuance Since Housing Crisis

Wells Fargo was set to price its first post-crisis jumbo mortgage-backed security this week, marking a significant occasion for the sector....

October 19, 2018

High Purchase-Mortgage Share for Prime MBS

Purchase mortgages accounted for 70.7 percent of prime non-agency jumbo mortgage-backed securities issued in the third quarter of 2018,...

October 19, 2018

Fitch Calls Out Other Ratings on Galton MBS

Top-notch ratings assigned by three firms to a non-agency mortgage-backed security from Galton Funding prompted criticism from Fitch...

News from Our Industry Newsletters

September 27, 2018

Non-QM Lenders Experiencing Exponential Growth in Production, Aiming for a 10 Percent Share of the Market

Strong growth in originations of non-qualified mortgages in recent years has helped the sector gain market share. Lenders in the non-QM market...... from Inside Mortgage Finance

June 29, 2018

Street Firms Barclays, Deutsche, Credit Suisse and Others Offering Repo Lines for Non-QM Lenders

A decade after the nation’s subprime mortgage market came to a crashing halt, traditional Wall Street firms are now back in the game, offering...... from Inside MBS & ABS

January 23, 2015

Streamlined FHA Refinances Increase in 3Q14

Streamlined FHA refinance volume increased slightly in the third quarter of 2014 as incentives put in place in 2013 continued to attract FHA...... from Inside FHA/VA Lending

May 30, 2014

Purchase Originations Expected to Decline in 2014

The mortgage market’s shift from a focus on refinances to purchase mortgages won’t be enough to prompt an increase in purchase-mortgage...... from Inside Mortgage Trends

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February 27, 2017

Incenter Selling Fannie/Freddie Mortgage Servicing Rights

By Paul Muolo

California mortgages account for the large chunk of collateral at 41.2 percent. Texas is a distant second at 10.4 percent.

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Overhauling the CFPB: Regulatory Relief on the Horizon
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Poll

Who "owns" the mortgage customer that’s brought to a wholesale lender through a loan broker?

The broker. It’s his/her client.: 35%
The wholesale/table funder. They’re taking the financial risk.: 30%
The broker, but only for the first year. After that, the borrower is fair game.: 13%
Hard to answer. It’s a complicated issue.: 22%

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Complaints Filed with the CFPB Fell by Double Digits in 3Q18
What We’re Hearing: One Last Criticism from Jeb Hensarling Regarding the FHFA / In Agreement on 80 Percent / Departing Fannie, Freddie Directors May Pose a Challenge / Two Major Concerns: Originations and Profit Margins / Plaza Home Wants AEs / Bill Ashmore’s New Job?
Short Takes: Trump’s Point Man on GSE Reform: Yank Fannie and Freddie’s Charters / New 52-Week Lows / Ginnie Issuer Gets its Ticket Pulled / Uncle Sam is Spending Too Much Money (Again) / A Name Change for Ocwen?
Ginnie Mae Terminates 360 Mortgage Group from Program

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Incenter Selling Fannie/Freddie Mortgage Servicing Rights

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