| Inside Mortgage Finance

Wholesale-Broker Share of Agency Market Up in 2Q19

Mortgage brokers accounted for a record 14.8% of single-family business in the agency MBS market during the second quarter. Credit trends suggest sellers may have focused on the low-hanging fruit as production volume ramped up significantly. Read More

California Top Market for Mortgage Insurance in 2Q19

California remained the largest source of insured home loans securitized by Fannie, Freddie and Ginnie in the second quarter, and it had relatively large concentrations of FHA and VA mortgages. Read More

Interest Rates Remain Low but Mortgage Hiring Tepid

Originations are strong in many markets but hiring by mortgage banking firms is not particularly robust. Meanwhile, some executives wonder privately whether the rate rally is getting long in the tooth. Read More

Liquidity a Better Predictor of Default than LTV, DTI

A borrower’s liquidity situation seems to be a better indicator of potential default than LTV or DTI ratios, according to the JPMorgan Chase Institute. The institute suggests that the use of emergency mortgage reserve accounts could help alter the DTI ratio standards for qualified mortgages. Read More

Fitch Red Flags Student Housing Commercial MBS

Fitch is concerned about the performance of commercial MBS backed by student housing loans, as it has been the largest contributor to overall multifamily defaults. Read More

Large Banks Underperform vs. IMBs in Retail Space

Low revenues, high expenses and trend lines moving in the wrong direction are causing large bank-owned mortgage companies to underperform compared to independent mortgage banks in the retail space, according to a report by Stratmor Group. Read More

Grapevine: Negative MSR Marks / loanDepot and Amazon?

Falling interest rates are sometimes a bad thing — case in point is Mr. Cooper and negative MSR marks. Also, it’s been somewhat quiet on the M&A front but perhaps a change is in the wind. Read More

Inside Mortgage Trends

July 12, 2019

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Wholesale-Broker Share of Agency Market Up in 2Q19

California Top Market for Mortgage Insurance in 2Q19

Interest Rates Remain Low but Mortgage Hiring Tepid

Liquidity a Better Predictor of Default than LTV, DTI

Fitch Red Flags Student Housing Commercial MBS

Large Banks Underperform vs. IMBs in Retail Space

Grapevine: Negative MSR Marks / loanDepot and Amazon?

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

Inside Mortgage Trends

July 12, 2019

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?