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Inside Mortgage Trends

March 17, 2023

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TPO Production Takes Share in Conventional-Conforming

Although margins are better in retail production, third-party origination platforms are good sources for purchase-mortgage business and more easily scaled to market demand. (Includes two data charts.) Read More

Bank Repurchases of Mortgages Slow in Fourth Quarter

Mortgage repurchases by banks declined by 27% during the fourth quarter. Reserves tied to repurchases increased, suggesting that mortgage buybacks could go back up in 2023. (Includes data chart.) Read More

Bank Regulation, Accounting Under Scrutiny

The Federal Reserve is working to understand why it was unable to prevent the failure of Silicon Valley Bank and some Democrats in Congress are pushing for increased regulation of community banks. Read More

Lenders Charge for Unobservable Risks

FHFA economists suggest originators may have better pricing technology than Fannie and Freddie. Read More

Impac, FoA Ending Traditional Mortgage Originations

The mortgage market is losing some capacity as Impac Mortgage and Finance of America move away from traditional production. The moves follow steep losses at the companies in recent years. Read More

Mortgage Jobs Outlook Hardly Bright. Then Again...

It’s not a good time to be looking for work in the residential finance industry. However, the recent bank liquidity crisis caused interest rates to fall, which could improve the production outlook. Read More

Fannie Launches Appraisal Alternatives for Single-Family Properties

Fannie Mae has announced alternative ways to determine a property valuation when a full appraisal isn’t necessary. Read More

Hispanic Homeownership Rate Continues to Rise

Last year was one of the largest for Hispanic homeownership growth in the past 10 years, according to a new NAHREP report. Read More

Grapevine: Hedging Pays Off; DOJ Settles With Sterling Bank

Failed banks and interest rate risk; DOJ-Sterling Bank settlement; big banks boost First Republic; ICE to fight FTC over Black Knight deal; FHFA delays DTI fee; Guaranteed Rate offering fast approvals. Read More

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