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Inside Mortgage Finance

Mortgage Lending & Servicing
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News from Inside Mortgage Finance

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February 21, 2019

Mortgage Brokers Continued Building Market Share in ’18

Mortgage brokers aren’t taking over the world, but the industry’s share of new production reached a nine-year high in 2018, according to a...

February 21, 2019

Pershing Square’s GSE ‘Lottery Ticket’ Riding High

Pershing Square Holdings — the high-profile hedge fund managed by mega investor Bill Ackman — is sitting on a paper gain of 140.6%...

February 21, 2019

Alter the Fannie, Freddie Dividend Payment: Yes/No?

Now that the smoke has cleared from Mark Calabria’s confirmation hearing to head the Federal Housing Finance Agency, industry stakeholders...

News from Our Industry Newsletters

February 22, 2019

TIAA Exits Retail, Provident Says Goodbye, Period

As mortgage profits weaken, two banks that have had a foothold in residential finance for several decades are taking different paths. One,...... from Inside Mortgage Trends

February 1, 2019

Mortgage Grapevine

Fannie changes bylaws, Phillips staying put... ... from Inside MBS & ABS

January 18, 2019

VA Stakeholders Struggle With Interim Cash-Out Rule

More clarity is needed with regards to the Department of Veterans Affairs’ proposed changes to its rules on cash-out refinances, VA lenders said.... from Inside FHA/VA Lending

December 21, 2018

Industry Wants TRID Fix on Title Insurance Premium Disclosures

A dozen mortgage industry groups have asked the CFPB to update its integrated mortgage-disclosure rules in order to facilitate accurate...... from Inside the CFPB

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Top Originators
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Originations by Product
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Servicer Delinquency Rates
Primary Mortgage Insurance Activity

News from Inside MBS & ABS

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February 22, 2019

Banks Stock Up on Fannie/Freddie MBS as 2018 Ends

Commercial banks and thrifts reversed a year-long trend during the fourth quarter of 2018 and increased their holdings of single-family...

February 22, 2019

Nonprime MBS Issuance Off To a Strong Start in 2019

The market for nonprime MBS is hot as issuers bring larger deals to meet demand from investors.

February 22, 2019

IRS Needs to Spell Out Uniform MBS Rule

The Securities Industry and Financial Markets Association and the Investment Company Institute, in a joint letter, urged the Internal...

News from Our Industry Newsletters

February 22, 2019

IRS Needs to Clarify Uniform MBS Rule

The uniform MBS is scheduled to launch in just over three months, but there is still some confusion about how it will affect investors in the...... from Inside The GSEs

February 1, 2019

News Briefs

Seer Capital Management; Angel Oak Companies... from Inside Nonconforming Markets

January 18, 2019

Bright’s Hasty Exit Leaves a Vacuum at Ginnie Mae

Ginnie Mae has reached the halfway mark of President Trump’s first term without a permanent leader and appears likely to remain so until after...... from Inside FHA/VA Lending

January 10, 2019

Private MI Volume Slumped in 4Q18 Fannie/Freddie MBS

The flow of conventional mortgages with private mortgage insurance coverage into Fannie Mae and Freddie Mac mortgage-backed securities fell...... from Inside Mortgage Finance

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Mortgage & Asset Securities Issuance
Mortgage Securitization Rates
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News from Inside The GSEs

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February 22, 2019

Calabria Touts ‘Recap,’ Downplays ‘Release’

In his testimony before the Senate Committee on Banking, Housing, and Urban Affairs last week, Mark Calabria, President Trump’s nominee to...

February 22, 2019

IG Says Former FHFA Head Watt Violated Ethics Rules

Mel Watt violated ethics rules as director of the Federal Housing Finance Agency by attempting to “coerce” a senior manager into a...

February 22, 2019

Multifamily Gains Boost GSE 2018 Earnings

Despite a slow fourth quarter, 2018 turned out to be the most profitable year since 2013 for Fannie Mae and Freddie Mac. And, although only...

News from Our Industry Newsletters

February 22, 2019

Buybacks of Fannie/Freddie Loans Hit Record Low in ’18

Mortgage lenders that deliver loans into Fannie Mae and Freddie Mac mortgage-backed securities continued to face relatively few repurchase...... from Inside Mortgage Trends

February 15, 2019

Despite 4Q Slump, GSE 2018 Earnings Hit Six-Year High

Fannie Mae and Freddie Mac racked up $25.19 billion in combined net income in 2018, their most profitable year since 2013, when earnings were...... from Inside MBS & ABS

February 15, 2019

Non-Agency Pricing for GSE-Eligible Loans in Flux

The pricing offered in the non-agency market for certain loans eligible for sale to the government-sponsored enterprises isn’t as attractive...... from Inside Nonconforming Markets

January 17, 2019

Large Nonbanks Grow Agency Servicing Share

A handful of heavyweight nonbanks ended 2018 with significant increases in their portfolios of servicing rights tied to agency mortgage-backed...... from Inside Mortgage Finance

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News from Inside the CFPB

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February 11, 2019

Payday Proposal Gets Rid of Underwriting Requirement

The CFPB may scrap the underwriting requirements of its 2017 payday lending rule, according to a proposal released last week. In the...

February 11, 2019

Credit Bureau Legislative Reform Gains Traction

Congressional lawmakers are placing credit bureau reform in the spotlight with a hearing scheduled before the House Financial Services...

February 11, 2019

TRID Informal Guidance Addresses Waiting Period

The CFPB recently provided informal guidance in the form of frequently asked questions, addressing issues related to the integrated...

News from Our Industry Newsletters

February 22, 2019

IRS Needs to Spell Out Uniform MBS Rule

The Securities Industry and Financial Markets Association and the Investment Company Institute, in a joint letter, urged the Internal Revenue...... from Inside MBS & ABS

February 21, 2019

VA Cash-Out Refi Rule Takes Effect; Industry Plea Ignored

The Department of Veterans Affairs issued guidance on policies regarding cash-out refinancing loans on Feb. 15, the same day the rules were to...... from Inside Mortgage Finance

February 15, 2019

Industry Seeks Delay of VA Cash-Out Interim Final Rule

Industry representatives are urging the Department of Veterans Affairs to delay an interim final rule on VA cash-out refinance loans for fear...... from Inside FHA/VA Lending

February 1, 2019

Non-Agency Market Could See Gains from GSE Reform

Activity in the non-agency mortgage market is likely to get a boost from any reforms of the government-sponsored enterprises undertaken by the...... from Inside Nonconforming Markets

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News from Inside Mortgage Trends

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February 22, 2019

Buybacks of Fannie/Freddie Loans Hit Record Low in ’18

Mortgage lenders that deliver loans into Fannie Mae and Freddie Mac mortgage-backed securities continued to face relatively few repurchase...

February 22, 2019

Mortgage Banking Income Hits Post-Crisis Low in 4Q18

Commercial banks and savings institutions made money on their mortgage banking activity during the fourth quarter, but not that much. A new...

February 22, 2019

Front-End Digital Mortgage No Longer So ‘Special’

The majority of lenders now offer a front-end digital mortgage process for borrowers but there is considerable variability in adoption...

News from Our Industry Newsletters

February 1, 2019

Favorable Trends Seen in RPL Securitization Market

There has been a significant uptick in the re-performing loan market, including whole-loan sales and securitizations (some unrated), as more...... from Inside MBS & ABS

January 18, 2019

VA Stakeholders Struggle With Interim Cash-Out Rule

More clarity is needed with regards to the Department of Veterans Affairs’ proposed changes to its rules on cash-out refinances, VA lenders said.... from Inside FHA/VA Lending

January 17, 2019

First-Time Homebuyers Face Many Hurdles, Survey Shows

Most non-homeowners would like to purchase a house, but many cannot qualify for a mortgage, a survey by the National Association of Realtors...... from Inside Mortgage Finance

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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News from Inside FHA/VA Lending

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February 15, 2019

Weak 4Q Purchase Lending Shrinks FHA/VA Output

Government-backed originations fell significantly in the fourth quarter of 2018 due to a decline in purchase lending even as year-over-year...

February 15, 2019

Industry Seeks Delay of VA Cash-Out Interim Final Rule

Industry representatives are urging the Department of Veterans Affairs to delay an interim final rule on VA cash-out refinance loans for...

February 15, 2019

SIFMA Proposes Changes to VA Cash-Out Interim Rule

A Wall Street lobbying group has urged the Department of Veteran Affairs to change its cash-out refinance interim final rule, calling...

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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Top FHA Lenders
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News from Inside Nonconforming Markets

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February 15, 2019

Jumbo Lending Falls in 4Q On Weaker Demand

Originations of non-agency jumbo mortgages declined in the fourth quarter as well as full year 2018, according to an Inside Nonconforming...

February 15, 2019

Redwood Maintains Margins With Multiple Loan Outlets

Redwood Trust’s mortgage banking income in the fourth quarter was essentially level compared to the previous quarter even with lower...

February 15, 2019

Hopes Dim for Lower Loan Limit Mandate from Senate

A leading Republican in the Senate plans to leave loan limit decisions in the hands of the Federal Housing Finance Agency instead of...

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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June 4, 2018

Short Takes: Will the GSEs and MIs Gain? / A New Call to Cut FHA Premiums / Reverse Market Turns Rosy? / Ellie Mae’s CFO Departs / Where Were You When the Secondary Market Shivered? / A New Hire for MGIC

By Paul Muolo and Brandon Ivey

Will the new FHA chief cut premiums and end the “life of the loan” premium policy?

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Poll

Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.: 53%
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TIAA Throws Traditional Retail Overboard, USB Will Get Some of the 65 Branches
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Short Takes: Will the GSEs and MIs Gain? / A New Call to Cut FHA Premiums / Reverse Market Turns Rosy? / Ellie Mae’s CFO Departs / Where Were You When the Secondary Market Shivered? / A New Hire for MGIC

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