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Inside Mortgage Finance

Mortgage Lending & Servicing
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December 6, 2018

Purchase-Loan Market Began Softening in 3Q18 But Outlook Still Relatively Firm

Cracks began to appear in the housing market during the third quarter of 2018, leading to a modest decline in purchase-mortgage...

December 6, 2018

Purchase Mortgage Volume Expected to Increase In 2019 Despite Higher Mortgage Interest Rates

The volume of purchase mortgage originations will increase in 2019 even though interest rates will be higher, according to industry...

December 6, 2018

Subservicing Sector Continues to Grow at a Steady Clip as States Act as ‘Mini-CFPBs’

Subservicing vendors ended the third quarter of 2018 with $2.33 trillion of contracts on their books, up 4.5 percent from June and 12.0...

News from Our Industry Newsletters

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

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

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

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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Originations by Product
Top Mortgage Servicers
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News from Inside MBS & ABS

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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...

December 7, 2018

Demand for New Non-Agency MBS Fading, Lack of Depth Among Investors an Issue

The spreads on newly issued non-agency MBS have widened in recent months, indicating weak-er demand from investors. The pricing trends...

December 7, 2018

More Lenders Pondering a Move Into Correspondent Purchases, Especially in the Growing Non-QM Sector

As profit margins tighten in a softening origination market, more lenders are pondering a move into correspondent purchases, especially if...

News from Our Industry Newsletters

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

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

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 Securitization Rates
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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 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 15, 2018

House Power Shift May Have Little Impact on GSE Reform and Dampen Regulatory Relief Prospects

Midterm election results will likely push any housing-finance reform legislation further away, slow deregulatory efforts by Trump appointees,...... from Inside Mortgage Finance

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 6, 2018

Subservicing Sector Continues to Grow at a Steady Clip as States Act as ‘Mini-CFPBs’

Subservicing vendors ended the third quarter of 2018 with $2.33 trillion of contracts on their books, up 4.5 percent from June and 12.0...... from Inside Mortgage Finance

November 30, 2018

Around the Industry

Congress approves flood insurance extension, FHFA announces 2019 conforming loan limits, and the VA offers password-reset guidance for servicers.... from Inside FHA/VA Lending

November 21, 2018

Still Some Loose Ends as SSI Project Nears the Finish Line

With the final rollout scheduled for June, FHFA, the GSEs, and Common Securitization Solutions are scrambling to make sure participants in the...... 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 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

December 6, 2018

Purchase-Loan Market Began Softening in 3Q18 But Outlook Still Relatively Firm

Cracks began to appear in the housing market during the third quarter of 2018, leading to a modest decline in purchase-mortgage originations,...... from Inside Mortgage Finance

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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News from Inside FHA/VA Lending

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November 30, 2018

FHA Forward Volume Down Sharply, Weak Purchase Business Fuels Fall

FHA forward mortgage production plunged in the third quarter, precipitated by a substantial drop in purchase activity. [Includes two data...

November 30, 2018

VA Plans Cash-Out Refi Rulemaking to Prevent Predatory Practices

The Department of Veterans Affairs this week laid the groundwork for changes to its current rules on VA-guaranteed cash-out refinance...

November 30, 2018

Reduced Volume Trend Continues as HECM YoY Production Drops

Home Equity Conversion Mortgage originations saw a modest 4.7 percent sequential fall in the third quarter as the downward volume trend for...

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 30, 2018

Correspondent Channel Gains More Market Share of Jumbo Originations in Third Quarter

The correspondent channel has continued to gain market share of jumbo mortgages as production of such loans has shifted to purchase...

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...

November 30, 2018

Jumbo Servicing Portfolios Largely Increasing

Most major servicers of jumbo mortgages increased their portfolios in the third quarter, according to a new ranking and analysis by Inside...

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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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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