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Inside Mortgage Trends

October 21, 2022

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MSR Transfer Pace Eases in Third Lap of a Record Year

The bulk GSE MSR transfer market is deep and wide: Some 21 companies have sold more than $10 billion so far in 2022 and 40 others have sold at least $1 billion. Coissuance activity has declined as agency business has slowed. Read More

FHA Loans Keep Agency Delinquency Rates Elevated

Default rates on Fannie/Freddie loans continued to decline in the third quarter of 2022, while FHA-insured loans in Ginnie MBS pushed the overall Ginnie delinquency rate higher. Read More

Time to Buy Ginnie MSRs? Looks That Way

Over the past two years, Marlin Mortgage has made a name for itself as a buyer of conventional servicing rights. Now it is ready to pounce in the Ginnie market. A new proposed company acquisition may help. Read More

MBA Urges FHFA to Support Widespread Fintech Development

FHFA’s effort regarding fintech should ensure GSE-driven tech that could be used beyond the GSEs is developed with other uses in mind. Read More

Home-Equity Lenders Adjust With Home Prices Declining

While homeowners have record amounts of tappable equity, home-equity lenders face some challenges, navigating both a decline in home prices and rising interest rates. Read More

Researcher Says Nonbank Financial Fragility Increasing

The failure of nonbanks as a sector “could spark another crisis and tear at the fabric of the economy,” said Yu Shan, assistant professor of Finance at the Whitman School of Management at Syracuse University. Read More

UI Explores Rental History in Closing Racial Homeownership Gap

Structural inequities make it more difficult for Black households and other people of color to make on-time rental and utility payments compared to the average white household, the Urban Institute noted in a new report. Read More

Grapevine: Ginnie Delays Capital Standards; Nonbanks Downgraded

Implementation of Ginnie’s risk-based capital requirements delayed; Fitch downgrades ratings of Finance of America, Provident; foreclosure starts decline; new alerts in Freddie’s Loan Advisor dashboard; MISMO seeks comments on three proposals; Staircase offers MSR transfer automation; LoanCare launches HELOC servicing; new LO recruitment tool. Read More

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