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Volume 22 - Number 17

August 17, 2018

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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 during the second quarter of 2018, according to an exclusive new Inside Mortgage Trends analysis and ranking. [Includes two data charts.]

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 down from previous periods. [Includes one data chart.]

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 way of either stiff competition or dark clouds on the horizon.

PwC Finds Paradigm Shift in Digital Experience

So much has changed in today’s digital environment that consumer expectations have shifted, creating a new generation of digital mortgages. Mortgage lenders need to explore new opportunities that come with increased digitization to provide added value to their borrowers, according to a new report by PricewaterhouseCoopers.

Supply, Pricing Boost Second-Lien Trading

Secondary market trading for home-equity loans has increased across most market segments, thanks to greater available supply driven by higher prices, according to a new report from MountainView Financial Solutions, a Denver-based provider of financial services analytics and advisory services.

Foreclosure Rate Returns to Pre-Crisis Levels

The foreclosure rate returned to pre-crisis levels this year, though industry analysts note that foreclosure rates remain somewhat elevated in states with a judicial foreclosure process.

California Still a Rich Market for Loan Officers

California, the largest mortgage market in the U.S., appears to provide more than enough business for loan officers, according to a new Inside Mortgage Trends analysis that compares the number of registered and licensed LOs in each state to the volume of home loans and mortgage applications. [Includes one data chart.]


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.


11% to 25%. It’s a challenging market.


25% to 40%. It’s going to be very ugly.


No opinion.