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Inside Mortgage Finance

Mortgage Lending & Servicing
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July 19, 2018

Strong Home-Purchase Market Buoys Primary Insurance Activity in 2Q18, but Borrower Leverage Creeps Higher

The seasonal surge in housing sales produced a strong increase in primary mortgage insurance activity during the second quarter, especially...

July 19, 2018

Lenders Look to CFPB for Flexibility on Setting LO Comp while Trying to Reduce Production Expenses

The Consumer Financial Protection Bureau should adjust loan originator compensation rules to provide lenders with some flexibility,...

July 19, 2018

Backed by Blackstone, Stearns Lending Quietly Pursuing More Acquisitions. As for the Targets…

As the outlook for originations – especially refis – continues to worsen, more nonbank mortgage firms may consider selling out to larger...

News from Our Industry Newsletters

July 20, 2018

Nonbanks Continue Gaining Share In GSE Servicing Business in 2Q18

Although a number of large banks have recently shown more interest in the secondary market for mortgage servicing rights, there is no sign...... from Inside The GSEs

July 20, 2018

Nonbank Online Lenders Face Capital Woes

Nonbank online lenders, especially smaller ones, are concerned about the high cost of originating a loan. In a new study published by the...... from Inside Mortgage Trends

July 13, 2018

Activists Slam DOJ’s Repeal of Consumer Protection Guides

Fair housing advocates are outraged over the Department of Justice’s recent repeal of mortgage shopping guides and other regulatory guidance,...... from Inside FHA/VA Lending

July 13, 2018

Industry Continues to Look for Ways to Fix the VA IRRRL ‘Orphan’ Loan Mess

The mortgage industry this week continued to look for a fix to the VA Interest Rate Reduction Refinance Loan mess, which has imperiled roughly...... from Inside MBS & ABS

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News from Inside MBS & ABS

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July 20, 2018

Non-Agency MBS Issuance Up Smartly in 2Q18 as Deals Backed by New Loans Hit Post-Crisis High

The non-agency MBS market had arguably its best quarter since the financial crisis during the April-May production cycle, generating $20.72...

July 20, 2018

Investor Demand for Mortgages is Strong in the Secondary Market, Non-QMs an Area of Focus

Mortgage originations have been trending lower but there’s still plenty of demand in the secondary market for new production, according to...

July 20, 2018

GSEs Using Data, Analytics to Help Improve Efficiency For Lenders and Boost Volume as Production Declines

As refinance business declines, the government-sponsored enterprises are stepping up efforts to help lenders produce more volume in other...

News from Our Industry Newsletters

July 13, 2018

MBA Asks HUD to Rethink Stance on VA Refis as Eligible Collateral

The mortgage industry this week continued to look for ways to resolve the VA streamline refi loan mess, which arose from the implementation of...... from Inside FHA/VA Lending

June 8, 2018

Investigations Open into Price Manipulation by GSE Bond Traders

Some banks may be manipulating prices in Fannie Mae and Freddie Mac unsecured debt, according to several investigations launched late last...... 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

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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July 20, 2018

Nonbanks Continue Gaining Share In GSE Servicing Business in 2Q18

Although a number of large banks have recently shown more interest in the secondary market for mortgage servicing rights, there is no sign...

July 20, 2018

Fannie EPMI Pilot Troublesome to Some Private Mortgage Insurers

Fannie Mae’s new mortgage insurance pilot announced last week is troubling to mortgage insurers who continue to question the GSEs’ blurring...

July 20, 2018

Milken Examines Complications with DTS in Affordable Housing

The Milken Institute said the GSEs’ duty-to-serve policy is more complicated than other affordable housing reform issues because it forces...

News from Our Industry Newsletters

June 29, 2018

Rising Mortgage Rates Dampen FHA Purchase Production in 1Q18

FHA purchase loan originations, which comprise the bulk of the agency’s business, declined during the first quarter of 2018 as mortgage...... from Inside FHA/VA Lending

June 29, 2018

GSE-Eligible Investment Property MBS Expected

A $329.1 million non-agency mortgage-backed security issued by Flagstar Bank at the end of May could be a trendsetter. The deal was backed...... from Inside Nonconforming Markets

May 25, 2018

Wide Gap in Credit Quality Among Agencies

Credit characteristics continue to vary greatly between the two government-sponsored enterprises in the conventional market and Ginnie Mae....... from Inside Mortgage Trends

April 19, 2018

FHFA IG, Lawmakers Voice Concerns Over the FHFA’s Supervision of the GSEs; Call for More Stringent Guidance

The inspector general of the Federal Housing Finance Agency last week said the regulator of the two government-sponsored enterprises should...... from Inside Mortgage Finance

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News from Inside the CFPB

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July 9, 2018

CFPB Closes Investigation of Zillow: Another Industry Win on RESPA?

The CFPB recently dropped its RESPA-related investigation of Zillow, deciding not to bring enforcement charges against the online real...

July 9, 2018

Mulvaney Up for Key White House Post. But Will He Get It?

Acting CFPB Director Mick Mulvaney has emerged as a leading candidate to become President Trump’s next chief of staff. Now, the big...

July 9, 2018

The War is Over: CFPB Deputy Director English to Resign

Leandra English, deputy director of the CFPB, announced late last week she will resign from the agency early this week, ending her legal...

News from Our Industry Newsletters

July 20, 2018

UI Panel Draws Attention to Need for Better Data In Cross Subsidies

There was some discussion as to whether credit scores serve as a good mechanism to achieve cross subsidization as well as a need for better...... from Inside The GSEs

July 19, 2018

Lenders Look to CFPB for Flexibility on Setting LO Comp while Trying to Reduce Production Expenses

The Consumer Financial Protection Bureau should adjust loan originator compensation rules to provide lenders with some flexibility, according...... from Inside Mortgage Finance

July 13, 2018

HUD Issues Interpretive Rule to Fix Ginnie Mae’s VA IRRRL Snafu

The Department of Housing and Urban Development has issued an interpretive rule to clear up some of the confusion created by the recently...... from Inside FHA/VA Lending

July 13, 2018

News Briefs

Borrower complaints about nontraditional mortgage products from nonbanks in California decreased in 2017, according to the state’s Department...... from Inside Nonconforming Markets

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News from Inside Mortgage Trends

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July 20, 2018

First-Time Buyers Help Boost 2Q18 Agency MBS Volume, Conforming Jumbo Slumped

Fannie Mae, Freddie Mac and Ginnie Mae saw a somewhat sedated increase in single-family mortgage-backed security issuance during the second...

July 20, 2018

MSR Market Still Hot, Quieter Times Ahead

The sale of bulk mortgage servicing portfolios stayed red hot in the second quarter, with buyer interest and prices remaining high, but a...

July 20, 2018

Lenders See Benefits in Outsourcing

With mortgage production costs exceptionally high, a number of lenders are outsourcing certain functions. Christopher George, president and...

News from Our Industry Newsletters

July 13, 2018

HUD Issues Interpretive Rule to Fix Ginnie Mae’s VA IRRRL Snafu

The Department of Housing and Urban Development has issued an interpretive rule to clear up some of the confusion created by the recently...... from Inside FHA/VA Lending

June 14, 2018

Tight Profit Margins and Lower Originations Fuel Speculation of More Company Closures

When trouble hits, a mortgage lender has two main choices: sell the company’s assets or hand over the office keys to the landlord and tell...... 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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July 13, 2018

Seasonal Factors Boost Ginnie Mae MBS Issuance in Second Quarter

The spring homebuying season fueled a relatively modest increase in production of Ginnie Mae single-family mortgage-backed securities...

July 13, 2018

HUD Issues Interpretive Rule to Fix Ginnie Mae’s VA IRRRL Snafu

The Department of Housing and Urban Development has issued an interpretive rule to clear up some of the confusion created by the recently...

July 13, 2018

MBA Asks HUD to Rethink Stance on VA Refis as Eligible Collateral

The mortgage industry this week continued to look for ways to resolve the VA streamline refi loan mess, which arose from the implementation...

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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July 13, 2018

Non-Agency MBS Issuance Backed by New Production Hits Another Quarterly Record

Issuance of non-agency mortgage-backed securities reached a third straight post-crisis quarterly record during the recently completed...

July 13, 2018

Fitch Flags R&W from Issuers It Doesn’t Rate

A handful of issuers of non-agency mortgage-backed securities not rated by Fitch Ratings were called out in a report by the rating service...

July 13, 2018

Verus Goes Big with Nonprime MBS

An affiliate of Verus Mortgage Capital is set to issue what will be the largest post-crisis nonprime MBS to date. The planned $489.6...

News from Our Industry Newsletters

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

February 11, 2016

Fitch Ratings Warns Rising Home Prices In Some States May Not Be Sustainable

While home price gains across the U.S. are fairly sustainable, some metropolitan areas where jumbo loan underwriting standards are considered...... from Inside Mortgage Finance

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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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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Poll

With mortgage production down noticeably this year from 2017, how many lenders might disappear via M&A or failure during the next 12 months?

10% or less. It’s not that bad out there.

11% to 25%. It’s a challenging market.

25% to 40%. It’s going to be very ugly.

No opinion.

vote to see results

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Short Takes: Investors Unite is Not Happy / Are the GSEs ‘Zombie’ Like? / Non-QM Lender Verus Hikes Loan Cap to $5 Million / LoanSnap Raises More Capital / A New Hire for Servicing Advisor MorVest
What We’re Hearing: Not So Fast on Those New Products, Fannie and Freddie / A Flashpoint: Financing a Corporate SF Landlord / Industry Input? / UWM Firing on All Cylinders / Non-QMs? No Thank You / PHH Executive Leaves for Due Diligence Firm
A Post-Crisis High for Non-Agency MBS Issuance: $20.7B for 2Q18
Originations May be Slowing (Compared to 2017) but Investor Demand is Strong

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With mortgage production down noticeably this year from 2017, how many lenders might disappear via M&A or failure during the next 12 months?

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