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Inside Mortgage Finance

Mortgage Lending & Servicing
Securities
GSEs
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FHA & VA
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December 13, 2018

Home-Equity Lending Still Can’t Get Traction Despite Continued Rise in Property Values

Home-equity lending remains one of the soft spots in the mortgage market, as the supply of loans outstanding continued to shrink and new...

December 13, 2018

Worries About FHFA Direction Persist, But It May Take A Year Before the Senate Clears Calabria as New Director

The White House this week finally made up its mind on a new regulator for the government-sponsored enterprises, picking conservative...

December 13, 2018

FHFA Report Finds Little Change in Overall GSE MBS Guarantee Fees, But Movement in Specific Products

The FHFA’s annual report underscores the amount of cross-subsidy in g-fee pricing for low-score borrowers, loans with high LTVs and...

News from Our Industry Newsletters

December 14, 2018

News Briefs

The Consumer Financial Protection Bureau proposed new policies this week regarding no-action letters and the establishment of a “product...... from Inside Nonconforming Markets

December 7, 2018

Mortgage Banking Profits Squeezed in 3Q18

Mortgage banking profits eroded during the third quarter of 2018 as the industry continued to wrestle with overcapacity and sluggish...... from Inside Mortgage Trends

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

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

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News from Inside MBS & ABS

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December 14, 2018

Non-Agency MBS Outstanding Nearing End of 11-Year Tunnel, Agency Market Plods Forward

The supply of single-family non-agency MBS continued to decline in the third quarter of 2018, but the sector may be nearing a turnaround...

December 14, 2018

Carrington Prepping Its First Non-QM MBS; Angel Oak Will be Active as Others Eye Entry Into the Market

With more lenders eyeing the non-qualified mortgage sector for entry in 2019, the deal volume for non-agency MBS could pick up...

December 14, 2018

Prices for Seasoned Performing Whole Loans Decline Somewhat in 3Q Trading. An ‘Extremely Active’ Market

Prices for seasoned performing whole loans declined slightly during the third quarter, according to MountainView Financial Solutions. The...

News from Our Industry Newsletters

December 13, 2018

FHFA Report Finds Little Change in Overall GSE MBS Guarantee Fees, But Movement in Specific Products

The FHFA’s annual report underscores the amount of cross-subsidy in g-fee pricing for low-score borrowers, loans with high LTVs and cash-out...... from Inside Mortgage Finance

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

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

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Mortgage & Asset Securities Issuance
Mortgage Securitization Rates
Top Mortgage Securities Producers
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Non-Agency MBS Issuance by Type
Mortgage-Related Security Holdings by Investor
Thrift Industry Mortgage Security Holdings

News from Inside The GSEs

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December 7, 2018

GSE Single-Family Business Steady in November Thanks to Freddie

Single-family mortgage business volume fell slightly from October to November, while refinance activity actually grew. [Includes two data...

December 7, 2018

Conforming Loan Limits Hiked, But Does It Really Matter?

The Federal Housing Finance Agency announced last week that it was increasing the maximum conforming loan limit for 2019. For most...

December 7, 2018

Last Gasp of Housing Finance Reform: A Cancelled Hearing

Rep. Jeb Hensarling, R-TX, had planned to finish his House career with a hearing on housing-finance reform focusing on a bipartisan plan...

News from Our Industry Newsletters

December 13, 2018

FHFA Report Finds Little Change in Overall GSE MBS Guarantee Fees, But Movement in Specific Products

The FHFA’s annual report underscores the amount of cross-subsidy in g-fee pricing for low-score borrowers, loans with high LTVs and cash-out...... from Inside Mortgage Finance

December 7, 2018

How to Shrink the GSE Footprint Without Having to Ask Congress to Do Anything

Speculation is rampant that the Trump administration will appoint a new director of the Federal Housing Finance Agency who will begin carving...... from Inside MBS & ABS

November 30, 2018

Conforming Loan Limits Increase 6.9% in 2019

The threshold for what constitutes a jumbo mortgage will increase by 6.9 percent in 2019 as the Federal Housing Finance Agency set new loan...... from Inside Nonconforming Markets

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

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News from Inside the CFPB

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December 10, 2018

Kraninger Confirmed as CFPB Director. Will She Bring Change?

The Senate last week confirmed Kathy Kraninger as the second permanent director of the CFPB, on a 50-49 party-line vote.

December 10, 2018

States Gear up for Fair Lending Enforcement, With a Few Limits

State regulators will likely put more effort into enforcing fair lending laws, even as the CFPB continues to reassess the use of the...

December 10, 2018

VA Lender Sued for Deceiving Veterans Regarding IRRRLs

The CFPB last week sued Village Capital & Investment for deceiving veterans regarding the Interest Rate Reduction Refinance Loans program....

News from Our Industry Newsletters

December 14, 2018

Around the Industry

Mortgage broker trade group introduces NAMB All-In. Genworth launches risk-based pricing engine. VA updates fee-cost schedule. Industry groups...... from Inside FHA/VA Lending

December 13, 2018

Worries About FHFA Direction Persist, But It May Take A Year Before the Senate Clears Calabria as New Director

The White House this week finally made up its mind on a new regulator for the government-sponsored enterprises, picking conservative economist...... from Inside Mortgage Finance

November 21, 2018

Biting Comments on FHFA’s Proposed Rule on UMBS

The Federal Housing Finance Agency and the government-sponsored enterprises say they’re on track for the June launch of the single security,...... from Inside The GSEs

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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December 7, 2018

Bank Servicing for Others Changes Tack with 3Q18 Gain, Valuations Rise Again

The outstanding volume of mortgages serviced for other investors by banks and thrifts has been falling almost constantly in the aftermath...

December 7, 2018

Retail Lost Share in Major Product Groups

Retail originations declined more than third-party production in the three major mortgage-product categories during the third quarter of...

December 7, 2018

Regulators Concerned About Nonbank Share

Two federal banking regulators have raised concerns about risks associated with nonbanks gaining market share in the mortgage industry. In...

News from Our Industry Newsletters

December 13, 2018

Housing Supply Falling Behind Demand, Putting Burden on Borrowers and Limiting Originations

An inadequate supply of homes is likely to remain a challenge for potential borrowers and lenders for many years to come, according to...... from Inside Mortgage Finance

December 7, 2018

Strength in Refi Market and Batch of Seasoned Loans Help Buoy Agency MBS Production in November

Issuance of single-family MBS by Fannie Mae, Freddie Mac and Ginnie Mae held steady in No-vember, according to a new Inside MBS & ABS analysis...... from Inside MBS & ABS

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

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Production & Servicing Income
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News from Inside FHA/VA Lending

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December 14, 2018

GNMA Data Reveal Sharp Increase in FHA Risk Layering Over 2 Years

FHA officials have sounded alarms over the rising concentration of higher-risk loans in new business. An exclusive new Inside FHA/VA...

December 14, 2018

Correspondents Still Dominating FHA/VA Originations in 3Q18

Correspondent-production platforms regained a smidgeon of market share in government-insured lending during the third quarter, according to...

December 14, 2018

Borrowers on FICO’s Lower End Save More on FHA Cash-Out Refis

The ability to extract more equity at a lower price appears to be driving the growth in FHA cash-out volume, according to an Urban...

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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December 14, 2018

Outlook for Prime Non-Agency MBS Issuance Closely Connected with GSE Pricing, Tools

Issuance volume and lending practices in the prime non-agency mortgage-backed security market in 2019 will be linked in several ways to the...

December 14, 2018

ARM Share Drops in Third Quarter

The adjustable-rate mortgage share of total originations declined in the third quarter of 2018, according to a new ranking and analysis by...

December 14, 2018

Ocwen Plans Non-Agency Originations in 2Q19

Ocwen Financial announced last week that it plans to launch non-agency originations in the second quarter of 2019, focusing on borrowers...

News from Our Industry Newsletters

November 26, 2018

Fed: QM Rule Has Significant Effect On Nonconforming Lending

The implementation of the qualified-mortgage standard has reduced the incidence of lending to consumers with high debt-to-income ratios among...... from Inside the CFPB

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

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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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Poll

With loan volumes declining, does your shop have plans to enter the non-QM lending market in 2019?

Yes, definitely. A solid move forward.: 45%
Yes, but only incrementally.: 16%
We’re pondering a move into non-QM, but haven’t made up our mind.: 13%
No, definitely not. We view it has too risky.: 26%

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What We’re Hearing: FHA Loan Limits / What a Shutdown Means / The Return of Angelo Mozilo / The Finger of Blame Points to Wall Street / New Disclosures from Ditech / A Subservicing Business Dominated by One Client
Mr. Cooper Lands New Vice Chair and CFO – for $4.3 Million a Year
FHFA’s Proposed Rule on Credit Scores a Setback for Vantage Score
A Kinder, Gentler CFPB Under Kathy Kraninger? BCFP or CFPB?
‘Small’ Mortgage M&A Deals are Getting Done, Larger Ones Remain Elusive

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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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