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Inside Mortgage Finance

Mortgage Lending & Servicing
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November 15, 2018

Private MIs Gobble Up More Market Share in Third Quarter Despite Growth in FHA Sector

Private mortgage insurers expanded their combined footprint in the primary MI market during the third quarter mostly because of a sharp...

November 15, 2018

Impac’s Future Looks Cloudy as Firm Turns to MSR Sales to Bolster Results. Betting the House on Non-QM Lending?

Although Impac Mortgage Holdings lost $142.8 million over the past two quarters, company management continues to be bullish on its future,...

November 15, 2018

House Power Shift May Have Little Impact on GSE Reform and Dampen Regulatory Relief Prospects

Midterm election results will likely push any housing-finance reform legislation further away, slow deregulatory efforts by Trump...

News from Our Industry Newsletters

November 16, 2018

GNMA’s Liquidity Concerns Prompt Demand for Contingency Plans

Increasingly worried about the financial condition of its largest nonbank issuers amid declining market conditions, Ginnie Mae in late October...... from Inside FHA/VA Lending

November 12, 2018

CFPB and FHFA Release First Edition of Loan-Level Dataset

The CFPB and the Federal Housing Finance Agency last week for the first time released survey results from the National Survey of Mortgage...... from Inside the CFPB

October 26, 2018

Digital ‘Footprint’ Useful for Predicting Defaults

Specific details in consumers’ email addresses and insight into whether lower-case writing is consistently used can be just as useful for...... from Inside Mortgage Trends

October 26, 2018

Government Wants Court to Reconsider Recent Shareholder ‘Win’ in Breach of Good Faith Claim

The Federal Housing Finance Agency, Fannie Mae and Freddie Mac are questioning the logic behind a recent federal court ruling that appears to...... from Inside MBS & ABS

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News from Inside MBS & ABS

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November 16, 2018

REIT MBS Holdings Grow in 3Q18 as Industry Continues to Consolidate

Real estate investment trusts boosted their holdings of residential MBS during the third quarter, a period when two firms were acquired by...

November 16, 2018

Meetings Scheduled for January as Nonbanks Ponder Impact of Ginnie ‘Liquidity Letter’

Increasingly worried about withering loan production and declining profitability of the mortgage industry at large, Ginnie Mae recently...

November 16, 2018

Ellington Financial to Convert to REIT Status; Cites Significant Tax Savings

Tax cuts signed into law at the end of 2017 prompted Ellington Financial to make plans to convert from a partnership to a real estate...

News from Our Industry Newsletters

November 16, 2018

Ginnie Mae Continues to Tighten Issuer Standards, Accountability

This week, Ginnie Mae issued an all-participants memo dictating new standards for firms seeking to become issuers, including the stipulation...... from Inside FHA/VA Lending

November 12, 2018

Court Allows ABS Investors to Intervene in CFPB Case

A federal court recently allowed asset-backed securities investors to intervene in a case brought by the CFPB against securitization trusts....... 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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November 9, 2018

GSEs Report $6.7 Billion Combined Profits, Attract More CRT Investors

Fannie Mae and Freddie Mac posted a combined net profit of $6.72 billion for the third quarter while continuing to expand their credit-risk...

November 9, 2018

Debate on Gov’t Role in Mortgage Finance Continues into 2019

There is widespread consensus about the future role of the government in mortgage finance, but it’s by no means homogenous. The Trump...

November 9, 2018

Midterm Election and the GSEs, Democrat Waters to Chair HFSC

This week’s midterm election ushered in a sea-change in the House of Representatives but it’s uncertain how it will influence housing...

News from Our Industry Newsletters

November 16, 2018

GSEs Letting Nonprime Holdings Taper Off

Fannie Mae and Freddie Mac continue to let their holdings of nonprime mortgages gradually taper off, according to a new analysis by Inside...... from Inside Nonconforming Markets

November 15, 2018

House Power Shift May Have Little Impact on GSE Reform and Dampen Regulatory Relief Prospects

Midterm election results will likely push any housing-finance reform legislation further away, slow deregulatory efforts by Trump appointees,...... from Inside Mortgage Finance

November 9, 2018

GSE Credit Box Opened Slightly Wider In Third Quarter as Rates Ticked Higher

The credit window for Fannie Mae and Freddie Mac single-family mortgages opened a little wider during the third quarter of 2018 as competition...... from Inside Mortgage Trends

November 2, 2018

GSE Credit-Risk Transfer Activity Dipped Sharply in 3Q18 as Cumulative Reference-Pool Volume Tops $2 Trillion

Fannie Mae and Freddie Mac issued a combined $2.06 billion in credit-risk transfer debt notes during the third quarter of 2018, their lowest...... from Inside MBS & ABS

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News from Inside the CFPB

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November 12, 2018

CFPB Exams Continue Apace Despite Its Seemingly Soft Touch

Acting CFPB Director Mick Mulvaney is perceived as someone who’s taking a softer touch on enforcement matters than his predecessor, but...

November 12, 2018

Midterms for CFPB: New Director, More Congressional Oversights

The results of the 2018 midterm elections are sure to have implications for the CFPB. The questions are what and to what extent. One thing...

November 12, 2018

CFPB and FHFA Release First Edition of Loan-Level Dataset

The CFPB and the Federal Housing Finance Agency last week for the first time released survey results from the National Survey of Mortgage...

News from Our Industry Newsletters

November 16, 2018

Ginnie Mae Continues to Tighten Issuer Standards, Accountability

This week, Ginnie Mae issued an all-participants memo dictating new standards for firms seeking to become issuers, including the stipulation...... from Inside FHA/VA Lending

November 9, 2018

Federal Regulators’ Proposal to Loosen Capital/Liquidity Requirements Could Prompt Banks to Cut MBS Holdings

A proposal issued by federal regulators last week to ease certain standards for capital and liquidity will likely prompt banks to reduce their...... from Inside MBS & ABS

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

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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November 9, 2018

GSE Credit Box Opened Slightly Wider In Third Quarter as Rates Ticked Higher

The credit window for Fannie Mae and Freddie Mac single-family mortgages opened a little wider during the third quarter of 2018 as...

November 9, 2018

Odds of GSE Reform May Not Have Changed Much

With Democrats recapturing control of the House of Representatives this week, and Rep. Maxine Waters, D-CA, expected to chair the House...

November 9, 2018

No Need to Fear Growth of Cash-Out Refi, Says UI

Cash-out refinancing is on the rise again, driven by rising interest rates and strong home-price appreciation, but there is no cause for...

News from Our Industry Newsletters

November 16, 2018

Ginnie Mae Continues to Tighten Issuer Standards, Accountability

This week, Ginnie Mae issued an all-participants memo dictating new standards for firms seeking to become issuers, including the stipulation...... from Inside FHA/VA Lending

November 9, 2018

FHLBank Earnings Dip 3 Percent, Advances Sag in Third Quarter

The Federal Home Loan Bank System’s combined net income dropped 3.0 percent in the third quarter of 2018 but year-to-date profits were still a...... from Inside The GSEs

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

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News from Inside FHA/VA Lending

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November 16, 2018

VA Volume Slumps as Streamlined Refi Business Falls Sharply in 3Q18

VA mortgage originations fell significantly in the third quarter of 2018 due to a decline in purchase loans and a sharp drop in refinancing...

November 16, 2018

MMIF is Sound, Latest Audit Finds; Forwards Cover More HECM Losses

The FHA’s Mutual Mortgage Insurance Fund is generally healthy but for its Home Equity Conversion Mortgage program, according to the latest...

November 16, 2018

HUD Works on Deal with DOJ to Limit FCA Use to Serious Violations

A memorandum of understanding is in the works at the Department of Housing and Urban Development to clarify the use of the False Claims Act...

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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November 16, 2018

Non-Agency Jumbo Sector Loses Market Share in 3Q as Interest Rates Increase

Originations of non-agency jumbo mortgages fell more than overall mortgage production, prompting the sector to lose market share in the...

November 16, 2018

Expanded-Credit Volume Up 10.5 Percent in 3Q

Among the four main mortgage products, only originations of expanded-credit loans increased on a quarterly basis in the third quarter,...

November 16, 2018

REITs Show Increasing Interest in Non-Agency

Demand for non-agency products, including non-qualified mortgages, is growing among real estate investment trusts. A number of REITs have...

News from Our Industry Newsletters

November 2, 2018

QM Patch Expiration Could Shift More High-DTI Loans to FHA

Certain potential changes could materially affect origination volume and determine the government-sponsored enterprises’ direction going...... from Inside FHA/VA Lending

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

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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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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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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