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Inside Mortgage Trends

October 7, 2022

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Deliveries to GSEs Maintain Strong Underwriting in Third Quarter

While interest rate hikes are deflating originations, lenders aren’t budging much on underwriting standards for purchase mortgages, based on an analysis of mortgages delivered to the GSEs in the third quarter. (Includes two data charts.) Read More

Private Mortgage Insurance Loses MI Market Share in Third Quarter

Among purchase mortgages with primary mortgage insurance, GSE volume declined in the third quarter while FHA and VA volume increased. California also lost its spot as the top source of loans with MI. (Includes two data charts.) Read More

Industry PACs Fund 2020 Presidential Vote Objectors

Actions are speaking louder than words as mortgage industry-sponsored political action committees make contributions in the runup to the mid-term election. Read More

Is loanDepot a Takeover Target? Stock Down to $1.30

Rumor has it that Frank Martell was brought on as CEO of loanDepot to cut it down to size and sell it. Can he? Will he? Stay tuned. Read More

Court Finds D&O Insurance Covers FCA Settlement

In an insurance claim dispute resulting from Guaranteed Rate’s settlement with the DOJ involving the False Claims Act, a court said Ace American Insurance Company has to pay the lender for the cost of the settlement. Read More

Bipartisan Effort Sought on Affordable Housing

The new Congress that will be sworn in next January should concentrate on housing affordability, says Ron Terwilliger, chair of the J. Ronald Terwilliger Center for Housing Policy. Read More

Borrower’s Digital Footprint Helps With Underwriting

New Zealand researchers find that analysis of a borrower’s digital footprint improves loan performance and reduces discrimination. Read More

Grapevine: Rate Locks Increase in September; Home Prices Decline Again

Rate locks jump; home prices decline for second consecutive month; the remote work factor; website will connect borrowers with brokers; new loan origination system promises “fun.” Read More

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