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Inside Mortgage Finance

Mortgage Lending & Servicing
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November 8, 2018

Most Loan Products Saw Declining Volume in 3Q18, But Fledgling Expanded-Prime Sector Continued to Grow

The modest decline in total first-lien mortgage originations during the third quarter affected most sectors of the market, but it hit a...

November 8, 2018

With Production and Profits Slowing, Ginnie Mae Tells Nonbank Servicers to Draft Liquidity Plans

Increasingly worried about the liquidity of its largest nonbank issuer/servicers, Ginnie Mae is telling this select group of companies to...

November 8, 2018

Purchase-Mortgage Lenders Adjusting to Tighter Margins As Market Shifts from Refinances

Lenders that predominantly originate purchase mortgages might have been better prepared for the shift away from refinances but they’re not...

News from Our Industry Newsletters

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...... from Inside the CFPB

November 2, 2018

FHA Streamlines Claim-Payment Rules for Reverse Mortgage Loans

FHA-approved servicers will now find it easier to file a Home Equity Conversion Mortgage claim under revised HECM rules announced by the...... from Inside FHA/VA Lending

October 26, 2018

Big Banks Post Mixed Results in 3Q18 Originations

The nation’s major banks had a challenging third quarter as residential production declined at most of the larger shops while nimble-footed...... 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 9, 2018

Agency Single-Family MBS Production Softened in October as Purchase Market Continued to Deflate

New issuance of single-family MBS by Fannie Mae, Freddie Mac and Ginnie Mae took a predictable downward turn in October as seasonal factors...

November 9, 2018

Single-Security Transition is on Schedule, But Some Market Participants May Still Prefer One GSE Over the Other

Fannie Mae and Freddie Mac officials are confident that the single-security will launch successfully in the to-be-announced market next...

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...

News from Our Industry Newsletters

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

November 2, 2018

GNMA Sees Growing Need for Financing of Nonbank MSR

Ginnie Mae officials would welcome a return of commercial banks to the program, but they are not planning on it. Instead, the agency is...... from Inside FHA/VA Lending

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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Mortgage & Asset Securities Issuance
Mortgage Securitization Rates
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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 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 8, 2018

GSE Combined Earnings Slip in the Third Quarter, Fannie MBS Guarantee Fees Up

Fannie Mae and Freddie Mac generated a combined net income of $6.72 billion during the third quarter of 2018, down slightly from the $6.96...... from Inside Mortgage Finance

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

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 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

November 2, 2018

MBA Backs USDA’s Proposed Changes to Loss-Claim Process

The Mortgage Bankers Association welcomed proposed changes to the U.S. Department of Agriculture’s single-family loss-claim and...... 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

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 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

November 2, 2018

GNMA Sees Growing Need for Financing of Nonbank MSR

Ginnie Mae officials would welcome a return of commercial banks to the program, but they are not planning on it. Instead, the agency is...... from Inside FHA/VA Lending

October 5, 2018

Quicken Loosens Underwriting on Jumbos

Quicken Loans recently made a number of adjustments to its underwriting standards for jumbo mortgages, including allowing for lower...... 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 2, 2018

Brokers Gain Share in FHA Lending, But Fall Back in VA Production

Wholesale-broker production of FHA loans was up 8.1 percent from the second to the third quarter of 2018, making it the fastest-growing...

November 2, 2018

GNMA Sees Growing Need for Financing of Nonbank MSR

Ginnie Mae officials would welcome a return of commercial banks to the program, but they are not planning on it. Instead, the agency is...

November 2, 2018

FHA Lenders Agree to Pay $26.7M To Settle False Certification Claims

Two FHA lenders entered into settlement agreements with the Department of Justice and the Department of Housing and Urban Development last...

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 2, 2018

Expanded-Credit MBS Underwriting Not Loosening Much; Prepayment Rates High

Trends in underwriting expanded-credit mortgages differ from what’s happening in the broader market, according to a new analysis by Inside...

November 2, 2018

Wells Plans to be a Regular Issuer of Jumbo MBS

A test of the jumbo mortgage-backed security market by Wells Fargo went well enough that the bank plans to regularly issue deals after...

November 2, 2018

NRZ Looking for Non-QMs Beyond New Penn

New Residential plans to be a consistent issuer of mortgage-backed securities with non-qualified mortgages and the real estate investment...

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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December 14, 2017

Stop the Presses: A GSE Bill Passes the House Financial Services Committee but…

By Carisa Chappell

The panel approved the bill on a partisan vote of 33 to 27. It was one of 13 bills advanced by the panel…

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