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Inside Mortgage Finance

September 13, 2018

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Home-Equity Lending Up Sharply in 2Q18, But Market Still Far Below Its Potential

Home-equity lending accelerated in the second quarter of 2018, although the outstanding supply of home-equity lines of credit and closed-end seconds continued on its years-long downward trajectory, a new Inside Mortgage Finance analysis reveals. [Includes three data charts.] Read More

Slightly Higher Warehouse Commitment Figures Mask Worries About Price Cutting and Nonbank Profits

The nation’s warehouse providers ended the second quarter with $67.0 billion of commitments on their books, a 6.3 percent sequential gain and an increase of 8.1 percent from a year ago, according to exclusive survey figures from Inside Mortgage Finance. [Includes one data chart.] Read More

September Issuance of Final FHA Condo Rule Unlikely, Spot Financing is a Stumbling Block

The release of the Department of Housing and Urban Development’s long-anticipated final rule on condominium lending reform, which aims to boost FHA activity in the sector, may take longer than expected, according to industry participants. Read More

Wanted: Two Semi-Retired CEOs Who Can Run Fannie and Freddie. Must be Able to Live on $600K Per Year

The boards of Fannie Mae and Freddie Mac have begun their searches for new CEOs but the odds of finding successful candidates quickly are extremely low, according to industry stakeholders. Read More

CFPB Encourages Innovative Consumer Disclosure, Hints at More No-Action Letters in the Future

In the most recent step to encourage fintech innovation, the Consumer Financial Protection Bureau is retooling its policy to spur improved alternative consumer disclosures. Read More

Borrowers Look for Lenders that Offer Digital Mortgage Features and Some Person-to-Person Communication

After years of talk about “digital mortgages,” now is the time that lenders should adopt such technology, according to Henry Cason, a senior vice president at Fannie Mae and head of digital products for the government-sponsored enterprise’s single-family business. Read More

Fed Researchers Suggest ‘New Narrative’ for Housing Boom Before Financial Crisis: Subprime Mortgages Not to Blame

Ten years after the start of the financial crisis, the conventional wisdom is that the housing boom was driven by subprime mortgages. Federal Reserve researchers recently offered a “new narrative” about the crisis: borrowers who received subprime mortgages didn’t inflate the housing bubble. Read More

FHFA Inspector General Weighs Pros and Cons of Freddie Mac’s Controversial IMAGIN Mortgage Insurance Option

A new Federal Housing Finance Agency inspector general report highlights some potential risks in Freddie Mac’s Integrated Mortgage Insurance, or IMAGIN, program. Although it discusses some of the criticism leveled at the program, the IG report doesn’t take sides. Read More

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