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Inside Mortgage Finance

Mortgage Lending & Servicing
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October 11, 2018

Agency Market Tilts Toward Purchase Lending in 3Q18, Driving More Business to Private MIs

Private mortgage insurers appeared to gain market share in the third quarter of 2018 as purchase-mortgage lending surged in the agency...

October 11, 2018

Mortgage-Hungry Insurance Conglomerate Eli Global Hits the Pause Button. Founder Subject of Grand Jury Investigation

Over the past two years, insurance conglomerate Eli Global has been quietly vetting mortgage companies for purchase, occasionally striking...

October 11, 2018

Senate Banking Panel Hearing to Explore GSE Pilot Programs on Private MI, MSR Financing, SFR Sales

The Senate Banking, Housing and Urban Affairs Committee next week is expected to push officials from Fannie Mae, Freddie Mac and the...

News from Our Industry Newsletters

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 Expands Purchases to Community Land Trust Mortgages

Freddie Mac will begin purchasing community land trust mortgages next month to help support affordable housing efforts. Lenders have been...... 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

October 5, 2018

Around the Industry

FHA Issues Waiver of Property Inspections in Disaster-Stricken California Counties. FHA has issued a waiver of its timing policy for...... from Inside FHA/VA Lending

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October 12, 2018

Non-Agency MBS Issuance Down Sharply in Third Quarter as Nonprime Sector Tops Prime

New production of non-agency MBS in the third quarter couldn’t keep pace with the record level reached in the previous period, but the...

October 12, 2018

Wells Differs from Other Banks with Its First Post- Crisis Jumbo MBS, Prompting Low Credit Enhancement

Wells Fargo is testing the prime jumbo MBS market for the first time since the financial crisis with a transaction that has features that...

October 12, 2018

MBS Trading Volume Improved in September, but Lenders And Issuers Are Anxious About the Interest Rate Picture

The average daily trading volume in agency MBS totaled $219.4 billion in September, a modest increase from the month prior, which marked a...

News from Our Industry Newsletters

October 5, 2018

Senate Still Has Time to Enact VA ‘Orphan’ Loan Bill, Says MBA

The mortgage banking industry is optimistic about Congress enacting legislation that would cure VA orphan loans before the midterm elections....... 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

FHFA Issues Proposed Rule on UMBS Focusing on Alignment

Fannie Mae and Freddie Mac should standardize their programs and policies that impact cash flows in preparation for the new Uniform Mortgage...... 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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Mortgage-Related Security Holdings by Investor
Thrift Industry Mortgage Security Holdings

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

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 21, 2018

Chimera Preps Investment-Property MBS

Chimera Investment is preparing to issue a non-agency mortgage-backed security in which all the loans are eligible for sale to the...... from Inside Nonconforming Markets

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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News from Inside the CFPB

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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 11, 2018

Enactment of Dodd-Frank Reform Bill Prompts VA to Dump QM Interim Final Rule for New QM Rulemaking

The Department of Veterans Affairs has spiked an interim final rule on “qualified mortgages” in favor of a new separate rule establishing new...... from Inside Mortgage Finance

October 5, 2018

HECM Statute Does Not Disallow Lender’s Legal Right to Foreclose

The federal statute that authorized the Department of Housing and Urban Development to establish the Home Equity Conversion Mortgage program...... from Inside FHA/VA Lending

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 5, 2018

FHA Requires Second Appraisal on HECMs with Inflated Collateral

The reverse mortgage industry is supporting an FHA move to require a second appraisal for certain Home Equity Conversion Mortgage loans. FHA...... 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 5, 2018

Solid Gains in Purchase-Mortgage Business Offset 3Q18 Refi Slump

Ginnie Mae issuance of single-family mortgage-backed securities rode a homebuying wave during the third quarter of 2018, according to a new...

October 5, 2018

FHA Requires Second Appraisal on HECMs with Inflated Collateral

The reverse mortgage industry is supporting an FHA move to require a second appraisal for certain Home Equity Conversion Mortgage loans....

October 5, 2018

FHA Insurance Fund Hit Hard by Needless Claim Payments, Costs

Mortgage servicing delays have caused the Department of Housing and Urban Development to pay a whopping $413 million for unnecessary...

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 5, 2018

Expanded-Credit MBS Issuance Up in 3Q18, Prime Non-Agency MBS Declines

Issuance trends for non-agency mortgage-backed securities stocked with newly-originated mortgages were mixed in the third quarter,...

October 5, 2018

Aggregator Preps New Non-Agency Products

Mortgage Venture Partners, an aggregator, is acquiring a number of new non-agency products with plans to issue mortgage-backed securities....

October 5, 2018

Non-QM Lenders Look for Automation

Deephaven Mortgage’s recent adoption of an automated system to pre-qualify expanded-credit borrowers has prompted some speculation about...

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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May 29, 2018

Short Takes: All FHFA Wants is Parity / GAO Favors It / Suddenly, Bonds Rally (Credit the Italians) / MIAC Selling S&Ds / New Hires for These Mortgage Vendors

By Paul Muolo

The FHFA argues: "In contrast, other federal safety and soundness regulators have statutory authority to examine companies that provide services to depository institutions..."

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Overhauling the CFPB: Regulatory Relief on the Horizon
Going Paperless: The How—and Why—of Offering Digital Mortgages
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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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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?
MBA Panelists Express Grave Concerns about the Current Profit Picture
MBS ‘Godfather’ Ranieri Agrees to Sell Servicing Company Selene
Mulvaney Tells MBA: CFPB to Define ‘Abusive’ Under UDAAP; Regulation by Enforcement is Over
Short Takes: GSE Pilot Hearing Postponed / An Opportunity to Gather Intelligence? / Freddie's Qualification Tool for Self-Employed Borrowers / GSE Duty-to-Serve Updates / New Hires for ComplianceEase, Element Funding

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Short Takes: All FHFA Wants is Parity / GAO Favors It / Suddenly, Bonds Rally (Credit the Italians) / MIAC Selling S&Ds / New Hires for These Mortgage Vendors

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