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Inside Mortgage Trends

July 21, 2023

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Mergers Pump Agency MSR Transfers Again in 2Q23

A handful of mergers accounted for a significant share of the huge flow of agency MSR to new owners during the second quarter. Sales by nonbanks looking to prop up earnings were a major factor. (Includes three data charts.) Read More

Black Knight Opts to Sell Optimal Blue Pricing Platform

ICE and Black Knight plan to sell Black Knight’s pricing platform in order to win approval from the FTC of a planned merger. Affiliates of Constellation Software have agreed to acquire Optimal Blue. Read More

Delinquencies on Agency Loans Tick Up in Second Quarter

Delinquencies were largely up across the board in the agency MBS market in the second quarter. Only 120-plus-day delinquencies declined compared to the end of March. (Includes data chart.) Read More

Banks Should Prepare for Third-Party Modeling Risks

When using third-party models, banks should employ testing methods such as back-testing and benchmarking to meet compliance requirements, according to a RiskSpan analyst. Read More

Blockchain Offers Potential for Cost Savings

Originations, servicing and secondary market activity could all benefit from Blockchain, according to a new white paper from MISMO. Read More

Climate Change and Lemons in the Housing Market

New research shows that mandatory flood risk disclosure requirements raise home prices, increase loan sizes and raise debt-to-income ratios. Read More

Servicers Further Use of Self-Service Mortgage Tech

Servicers have found new success leveraging self-service technologies for borrowers looking for disaster relief and forbearance options. Read More

Grapevine: Capital Requirements in Focus; No RON in Spending Bill

Proposal for higher capital requirements on mortgages at larger banks expected next week; House passes defense spending bill without RON provision; Umpqua Bank selling one-third of its MSRs; MISMO publishes fee- naming guide; PrimeLending offering fast loan approvals; lender offers AI chatbot to potential borrowers. Read More

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