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Inside Mortgage Finance

Mortgage Lending & Servicing
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September 13, 2018

Home-Equity Lending Up Sharply in 2Q18, But Market Still Far Below Its Potential

Home-equity lending accelerated in the second quarter of 2018, although the outstanding supply of home-equity lines of credit and...

September 13, 2018

Slightly Higher Warehouse Commitment Figures Mask Worries About Price Cutting and Nonbank Profits

The nation’s warehouse providers ended the second quarter with $67.0 billion of commitments on their books, a 6.3 percent sequential gain...

September 13, 2018

September Issuance of Final FHA Condo Rule Unlikely, Spot Financing is a Stumbling Block

The release of the Department of Housing and Urban Development’s long-anticipated final rule on condominium lending reform, which aims to...

News from Our Industry Newsletters

September 17, 2018

State AGs Urge CFPB to Continue The Use of Disparate Impact

Democratic state attorneys general recently vowed to fill the void of the CFPB in fair lending enforcement if the bureau decides not to use...... from Inside the CFPB

September 14, 2018

Purchase-Mortgage Business Up Again, Plus Unlikely Refi Jump

Single-family mortgage business at Fannie Mae and Freddie Mac grew substantially from July to August, according to an Inside The GSEs analysis...... from Inside The GSEs

September 7, 2018

Deloitte Settles Allegations of Sloppy Audits of TBW Financials

Big Four accounting firm Deloitte has paid $149.5 million to the federal government to settle allegations of misconduct in connection with its...... from Inside FHA/VA Lending

August 31, 2018

With IPOs Closed, Some Nonbanks Find a Way

Privately held mortgage firms looking to raise capital by selling stock to the public face a grim reality these days, but alternatives still...... from Inside Mortgage Trends

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News from Inside MBS & ABS

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September 14, 2018

Consolidation Beckons as REITs Have Mixed Results in Portfolio Building During 2Q18

As an industry, real estate investment trusts managed to boost their holdings of residential MBS during the second quarter of 2018, but...

September 14, 2018

FHFA Etches in Stone Synchronization of Fannie and Freddie Prepay Speeds, Goes a Bit Further Than Wall Street Asked

The Federal Housing Finance Agency this week moved to further cement its existing policies that require Fannie Mae and Freddie Mac to move...

September 14, 2018

Freddie Develops Direct Exchange Path as it Gears Up for Launch of the Single Security in June 2019

In anticipation of the single-security launch in June 2019, Freddie Mac is working on exchange paths to make the transition from two...

News from Our Industry Newsletters

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

September 7, 2018

GNMA MBS Issuance Nudges Higher in August, Trails 2017

Ginnie Mae issuers produced $36.68 billion of new single-family mortgage-backed securities last month, a modest 5.0 percent gain from July,...... from Inside FHA/VA Lending

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

October 5, 2017

Nonbank Participants in the MSR Market Strive for Liquidity, Changes to Fannie’s Acknowledgement Agreement Likely

Nonbanks lack the deposit base banks have to support their investments in mortgage servicing rights, but nonbanks are seeing increased...... from Inside Mortgage Finance

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News from Inside The GSEs

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September 14, 2018

Purchase-Mortgage Business Up Again, Plus Unlikely Refi Jump

Single-family mortgage business at Fannie Mae and Freddie Mac grew substantially from July to August, according to an Inside The GSEs...

September 14, 2018

Hensarling’s Bipartisan Bill Takes Another Stab at GSE Reform

Rep. Jeb Hensarling, R-TX, released his much-anticipated proposal, the Bipartisan Housing Finance Reform Act of 2018, for housing-finance...

September 14, 2018

Under the Hensarling Bill, the GSE AU Systems Would be Transferred

If the Bipartisan Housing Finance Reform Act of 2018 becomes law, the common securitization platform of Fannie Mae and Freddie Mac would be...

News from Our Industry Newsletters

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 14, 2018

GSE Seller Buybacks Fall in Second Quarter

Mortgage sellers repurchased just $226.8 million of defective single-family loans from Fannie Mae and Freddie Mac mortgage-backed securities...... from Inside Mortgage Trends

September 7, 2018

CFPB Urged to Drop DTI Ratio from QM Criteria

The Consumer Financial Protection Bureau should remove the cap on debt-to-income ratios that applies to certain qualified mortgages, according...... from Inside Nonconforming Markets

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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News from Inside the CFPB

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September 17, 2018

CFPB Proposes Disclosure Sandbox, and More Could Come

The CFPB is creating a “disclosure sandbox” as its most recent step to encourage fintech innovation. Many are expecting the bureau to...

September 17, 2018

State AGs Urge CFPB to Continue The Use of Disparate Impact

Democratic state attorneys general recently vowed to fill the void of the CFPB in fair lending enforcement if the bureau decides not to use...

September 17, 2018

Supervisory Guidance Will Not Lead To Enforcement, Agencies Say

The CFPB, together with four other federal agencies, last week affirmed it will not take enforcement action based on supervisory guidance....

News from Our Industry Newsletters

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

September 14, 2018

Lawyers for Banks and Marketplace Lenders Seek Federal Regulation to Help Maintain Business Model

Federal regulators should issue regulations that would help banks sell loans and maintain the marketplace lending business model, according to...... from Inside MBS & ABS

September 13, 2018

September Issuance of Final FHA Condo Rule Unlikely, Spot Financing is a Stumbling Block

The release of the Department of Housing and Urban Development’s long-anticipated final rule on condominium lending reform, which aims to...... from Inside Mortgage Finance

September 7, 2018

Deloitte Settles Allegations of Sloppy Audits of TBW Financials

Big Four accounting firm Deloitte has paid $149.5 million to the federal government to settle allegations of misconduct in connection with its...... from Inside FHA/VA Lending

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News from Inside Mortgage Trends

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September 14, 2018

Correspondents Rebounded Slightly in Jumbo Production During 2Q18

Correspondent-based mortgage production operations lost some ground in the conventional-conforming market during the second quarter of 2018...

September 14, 2018

GSE Seller Buybacks Fall in Second Quarter

Mortgage sellers repurchased just $226.8 million of defective single-family loans from Fannie Mae and Freddie Mac mortgage-backed...

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....

News from Our Industry Newsletters

September 7, 2018

Deloitte Settles Allegations of Sloppy Audits of TBW Financials

Big Four accounting firm Deloitte has paid $149.5 million to the federal government to settle allegations of misconduct in connection with its...... from Inside FHA/VA Lending

August 2, 2018

Fannie, Freddie Combined Earnings Near $7 Billion in 2Q18, G-Fees Edge Higher

Fannie Mae and Freddie Mac generated a combined $6.96 billion in net income during the second quarter of 2018, down from $7.19 billion in the...... from Inside Mortgage Finance

June 1, 2018

Whole-Loan Trading Market Robust in 2018

Whole-loan trading is an increasingly important profitability tool for lenders in a market where soft production volume is squeezing margins,...... from Inside Nonconforming Markets

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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September 7, 2018

GNMA MBS Issuance Nudges Higher in August, Trails 2017

Ginnie Mae issuers produced $36.68 billion of new single-family mortgage-backed securities last month, a modest 5.0 percent gain from July,...

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...

September 7, 2018

RHS Proposes Various Changes to Loss-Claims, Loss Mit Processes

The Rural Housing Service of the U.S. Department of Agriculture has proposed changes to its single-family housing guaranteed loan program...

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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September 7, 2018

Correspondent Channel a Flashpoint in Competitive Jumbo Market at Midyear

With intense competition for originations of jumbo mortgages, the correspondent channel is experiencing volatility, according to an...

September 7, 2018

Jumbo Servicing Growing Across Firms

The amount of jumbo mortgages being handled by major servicers has largely increased in the past year, according to a new ranking and...

September 7, 2018

Redwood Touts Mutual Benefits of Financing

Redwood Trust is looking to acquire more jumbo mortgages and many of the nonbanks the firm works with could use some financing, making...

News from Our Industry Newsletters

September 6, 2018

Senate Bill Would Help Lenders Originate Non-agency Qualified Mortgages for Self-Employed Borrowers

Self-employed borrowers that can’t qualify for non-agency qualified mortgages could see relief from a bill introduced in the Senate last week.... 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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Top Non-Agency Jumbo Producers
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October 30, 2017

Short Takes: No Retained Portfolio for the GSEs? / A 33 Percent Chance for a Bill / Have a Mortgage Question? Ask a Real Estate Agent First / MIAC Selling Whole Loans / PrimeLending Picks SoCal Manager

By Paul Muolo

No GSE-retained portfolios in Treasury's plan?

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

The broker. It’s his/her client.

The wholesale/table funder. They’re taking the financial risk.

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Short Takes: No Retained Portfolio for the GSEs? / A 33 Percent Chance for a Bill / Have a Mortgage Question? Ask a Real Estate Agent First / MIAC Selling Whole Loans / PrimeLending Picks SoCal Manager

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