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Volume 22 - Number 21

October 12, 2018

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Correspondent Platforms Gain Share in 3Q18 Agency Mortgage Market

Mortgages originated by correspondent lenders and sold to aggregators accounted for a larger share of agency business in the third quarter, according to a new Inside Mortgage Trends analysis of mortgage-backed securities disclosures. [Includes two data charts.]

FHA Market Growing Riskier in 2018

The credit characteristics of FHA loans pooled in Ginnie Mae mortgage-backed securities have gotten significantly riskier since the beginning of 2017, according to a new Inside Mortgage Trends analysis of Ginnie MBS data.

Mortgage Employment Down at Most Lenders

With single-family originations expected to decline in the next few quarters, most mortgage firms are keeping a close eye on costs, hiring only if they need to.

Lenders Improve Operations with Process Reviews

Comprehensive reviews of operations can provide lenders with a competitive advantage, according to Strategic Mortgage Finance Group, an advisory firm.

New Index Offers Different View of Affordability

Home affordability varies geographically and over time due to unique economic drivers, such as home prices, income and wealth, according to a staff working paper published by the Federal Housing Finance Agency.

Norcom Mortgage Deploys Fully Digitized Platform

Norcom Mortgage has completed its end-to-end electronic mortgage platform with the adoption of vendor e-closing technology, making it the first mortgage lender in Connecticut to offer fully digitized closings.

Benefits Seen from Outsourcing Contact Center

Servicers can boost borrower satisfaction by outsourcing some of their contact-center duties, according to an analysis by CoreLogic.

California Top Market for Mortgage Insurance

California ranked as the top state for primary mortgage insurance business in the third quarter of 2018, but not by as big a margin as its high housing costs might suggest. [Includes one data chart.]


Who "owns" the mortgage customer that’s brought to a wholesale lender through a loan broker?

The broker. It’s his/her client.


The wholesale/table funder. They’re taking the financial risk.


The broker, but only for the first year. After that, the borrower is fair game.


Hard to answer. It’s a complicated issue.