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Inside Mortgage Finance

Mortgage Lending & Servicing
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August 16, 2018

Jumbo Loan Originations Up Sharply in 2Q18 as Purchase-Mortgage Lending Fueled Production

First-lien mortgage originations were up across all product lines in the second quarter of 2018, but the jumbo market saw the biggest gains...

August 16, 2018

Subservicing Growth Slows in 2Q18; Certain Top Vendors Could Change Hands by Yearend

The dollar volume of subservicing contracts grew by 1.8 percent in the second quarter on a sequential basis, another sign that this...

August 16, 2018

State Agencies to Tighten Mortgage Servicing Rules, But CFPB May Not Scale Back Its Enforcement

Some states are gearing up to tighten their regulation of mortgage servicers to pick up the slack from a perceived pullback by federal...

News from Our Industry Newsletters

August 17, 2018

GSE Roundup

Fannie’s Eighth RPL Sale. Fannie Mae began marketing its eighth sale of reperforming loans this week. It consists of approximately 18,400...... from Inside The GSEs

August 10, 2018

USDA Centralizes Single-Family-Loan Foreclosure Processes

The U.S. Department of Agriculture is placing all single-family foreclosure processes under one roof and under one team. A comprehensive plan...... from Inside FHA/VA Lending

August 6, 2018

CFPB Active Again in Enforcement Actions, But With New Tactics

The CFPB has been accelerating its enforcement actions in the past two months, and attorneys said Acting CFPB Director Mick Mulvaney is now...... from Inside the CFPB

July 27, 2018

News Briefs

Moves by three issuers of prime non-agency mortgage-backed securities to allow for third-party due diligence reviews to be completed on fewer...... from Inside Nonconforming Markets

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Servicer Delinquency Rates
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News from Inside MBS & ABS

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August 17, 2018

Banks Retreat Slightly from MBS Market in 2Q18 Despite Big Moves by Handful of Large Investors

As a group, commercial banks and thrifts ended the second quarter of 2018 with slightly reduced holdings of single-family MBS, although...

August 17, 2018

MBS Trading Volume Hits Low for the Year As Gross New Issuance Remains Subdued

The average daily trading volume in agency MBS fell to $204.1 billion in July, the weakest reading of the year, according to the Securities...

August 17, 2018

With Single Security Launch Less than a Year Away, TBA Eligibility Is Still Up in the Air

Fannie Mae and Freddie Mac appear to be on track for a June 2019 launch of the new uniform MBS, but the Securities Industry and Financial...

News from Our Industry Newsletters

August 17, 2018

List of Clarifications Needed Prior To Single Security Launch

With the launch of the single security less than a year away, there are some uncertainties that Fannie Mae, Freddie Mac and the industry...... from Inside The GSEs

August 10, 2018

USDA Issuance Down at Midpoint From 2017, Up in Second Quarter

Fewer rural single-family mortgages and modified home loans with a USDA guarantee were securitized during the first six months of 2018...... from Inside FHA/VA Lending

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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Thrift Industry Mortgage Security Holdings

News from Inside The GSEs

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August 17, 2018

Purchase-Mortgage Boost Can’t Offset Falling Refi in July MBS

Fannie Mae and Freddie Mac issued a combined $65.85 billion of single-family mortgage-backed securities last month, a 1.0 percent decline...

August 17, 2018

Mayopoulos at Center of Recent IG Management Alert

A heavily redacted Federal Housing Finance Agency Inspector General management alert about credit scores, published in late July, involved...

August 17, 2018

Watt Faces Controversy in Final Months as FHFA Director

Federal Housing Finance Agency Director Mel Watt has been under a lot of scrutiny as his tenure winds down by yearend. Some observers claim...

News from Our Industry Newsletters

August 17, 2018

Production, Servicing Profits Soured in 2Q18

Most mortgage lenders earned money on their loan production and servicing operations in the second quarter of 2018, but income was generally...... from Inside Mortgage Trends

August 10, 2018

Vintage GSE Nonprime Holdings Run Off

The government-sponsored enterprises’ holdings of vintage nonprime mortgages continued a gradual decline during the second quarter of 2018,...... from Inside Nonconforming Markets

August 3, 2018

Agency MBS Business Lays an Egg in July; Fannie Recaptures Some GSE Market Share

July is usually a good month for agency MBS issuance when the housing market is strong. In 2018, the fundamentals just weren’t there. Fannie...... from Inside MBS & ABS

August 2, 2018

Nonbanks Creep Toward 60 Percent of Outstanding Ginnie Servicing and Gain Ground in GSE Market

Depository institutions still have responsibility for most agency mortgage servicing, but nonbanks continued to gain share during the second...... from Inside Mortgage Finance

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News from Inside the CFPB

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August 6, 2018

CFPB Active Again in Enforcement Actions, But With New Tactics

The CFPB has been accelerating its enforcement actions in the past two months, and attorneys said Acting CFPB Director Mick Mulvaney is now...

August 6, 2018

Kraninger Agrees With Mulvaney’s Moves at CFPB, Vote Pending

Kathy Kraninger, President Trump’s nominee to be the next CFPB director, last week responded to questions sent by Democrat members of the...

August 6, 2018

Treasury Recommends CFPB Abandon Payday Lending Rule

The U.S. Treasury Department in a recent report urged the CFPB to rescind its payday lending rule because the states already have...

News from Our Industry Newsletters

August 17, 2018

With Single Security Launch Less than a Year Away, TBA Eligibility Is Still Up in the Air

Fannie Mae and Freddie Mac appear to be on track for a June 2019 launch of the new uniform MBS, but the Securities Industry and Financial...... from Inside MBS & ABS

August 16, 2018

State Agencies to Tighten Mortgage Servicing Rules, But CFPB May Not Scale Back Its Enforcement

Some states are gearing up to tighten their regulation of mortgage servicers to pick up the slack from a perceived pullback by federal...... from Inside Mortgage Finance

August 10, 2018

MBA Urges Congress to Fix Problem of ‘Orphaned’ VA Mortgage Loans

The Mortgage Bankers Association called upon Congress to pass legislation to restore Ginnie Mae eligibility for so-called orphaned VA loans,...... from Inside FHA/VA Lending

August 3, 2018

GSE Roundup

Capital Proposed Rule Comment Period Extended to November. The Federal Housing Finance Agency announced this week that it is extending the...... from Inside The GSEs

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News from Inside Mortgage Trends

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August 17, 2018

GSE Sellers Continued to Stretch the Credit Box – Incrementally – in 2Q18

Mortgage lenders became slightly more daring in terms of the credit characteristics of the loans they sold to Fannie Mae and Freddie Mac...

August 17, 2018

Production, Servicing Profits Soured in 2Q18

Most mortgage lenders earned money on their loan production and servicing operations in the second quarter of 2018, but income was...

August 17, 2018

Fix-and-Flip Lenders Positive on Market’s Outlook

Lenders that offer “fix and flip” financing to single-family investors are having another good year for the most part and see little in the...

News from Our Industry Newsletters

August 10, 2018

MBA Urges Congress to Fix Problem of ‘Orphaned’ VA Mortgage Loans

The Mortgage Bankers Association called upon Congress to pass legislation to restore Ginnie Mae eligibility for so-called orphaned VA loans,...... from Inside FHA/VA Lending

August 2, 2018

Fannie, Freddie Combined Earnings Near $7 Billion in 2Q18, G-Fees Edge Higher

Fannie Mae and Freddie Mac generated a combined $6.96 billion in net income during the second quarter of 2018, down from $7.19 billion in the...... 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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August 10, 2018

Purchase Lending Powers VA 2Q Surge, Ends First Half on High Note

VA home-loan guarantee volume rose in the first half of 2018 thanks to a second-quarter surge in purchase business. New VA loan guarantees...

August 10, 2018

VA, MBA Nix Bill Seeking to Raise Loan Fees to Pay for Vet Benefits

A legislative proposal to charge veterans, servicemembers and military spouses more for a VA home loan is getting heat from lenders and the...

August 10, 2018

AI Objects to Appraisal Provisions in H.R. 299, Calls for Revisions

The appraisal industry is opposed to a legislative proposal that would make changes to how appraisals are procured for the VA home loan...

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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August 10, 2018

New Players Enter Non-QM Market by Aggregating Loans and Issuing MBS

More competition is coming into the nascent business of aggregating non-qualified mortgages and issuing mortgage-backed securities drawn by...

August 10, 2018

ARMs More Prevalent in Expanded-Credit MBS

The majority of loans in expanded-credit mortgage-backed securities are adjustable-rate mortgages, while such loans are few and far between...

August 10, 2018

Lenders Roll Out New Non-Agency Products

A number of lenders have introduced new non-agency products in recent weeks, with an emphasis on expanded-credit jumbo mortgages.

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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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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Overhauling the CFPB: Regulatory Relief on the Horizon
Going Paperless: The How—and Why—of Offering Digital Mortgages
Undoing Dodd-Frank: The Impact on the Mortgage Industry

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What We’re Hearing: Two Giants May Change...
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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.: 17%
11% to 25%. It’s a challenging market.: 48%
25% to 40%. It’s going to be very ugly.: 24%
No opinion.: 11%

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Most Popular Stories

What We’re Hearing: Two Giants May Change Hands (Or Maybe Not) / Job Cuts at Ditech / Can HL Sell Ditech Fast Enough? / Tom Marano’s Experience with Troubled Shops / CALCAP Bullish on Fix-and-Flip / A Confidential GSE File On…
VA Doesn’t Like Bill that Would Increase Costs on Vet Home Loans
Short Takes: The BRAWL Continues / Don’t Worry About the Broker / An Old Complaint / Broker Market Share / Who Caused the Mortgage Crisis? / Brian Brooks, a Candidate for the Fannie CEO Job? (Probably Not)
Short Takes: Who Needs the GSEs? / JPM’s Strategy / Subservicers on the Auction Block? / New Diligence Advisors Gets the Seal of Approval from KBRA / Atlantic Bay Mortgage Won’t be Buying VA Bank After All
Computershare Makes Another Mortgage-Related Purchase: LenderLive Network

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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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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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