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Inside Mortgage Finance

November 22, 2018

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Correspondent Platforms Gained Share in 3Q18 As the Only Channel to Boost Production Levels

The primary mortgage market’s growing reliance on purchase-money lending helped swing a little more business to correspondent lenders in the third quarter of 2018, according to an Inside Mortgage Finance ranking and analysis. [Includes four data charts.] Read More

FHFA Trying to Find a Capital Balance That Can Handle Market Cycles, and Observers Say More Work is Needed

The proposed capital requirements for Fannie Mae and Freddie Mac aim for risk-based standards that will allow the government-sponsored enterprises – and future competitors – to earn an acceptable return while remaining strong enough to withstand severe economic downturns. Read More

White House Contemplating Calabria for FHFA Job. If it Happens, Big or Gradual Changes in the Wings?

The Trump administration is reportedly eyeing Mark Calabria, who now serves as chief economist for Vice President Mike Pence, as the next director of the Federal Housing Finance Agency, a five-year post that holds tremendous power over the government-sponsored enterprises. Read More

FHA Seeks Broader, Flexible Authority for Mortgagee Review Board to Ease FCA Use in Lender Enforcement

The FHA is calling for broader statutory authority for the Mortgagee Review Board in determining the type and amount of penalties the board can assess to strengthen lender enforcement and eliminate the need for False Claims Act cases. Read More

Tighter Caps on Ginnie Servicers, Issuers Could Be a Challenge, But There Are Benefits As Well

New requirements from Ginnie Mae addressing counterparty risk management by issuers could wind up making the agency’s approval more valuable, while requiring more transparency about their financing of mortgage servicing rights. Read More

Servicers Call for Uniform Data Standards, Seek Better Process for Servicing Transfers

Fannie Mae and Freddie Mac announced plans for uniform servicing data standards in 2012 but stopped the project the following year due to concerns from servicers already dealing with elevated delinquencies. Read More

Attorneys Uncertain Regarding CFPB’s Regulation-by-Enforcement Approach

It remains to be seen if the Consumer Financial Protection Bureau’s controversial regulation-by-enforcement approach is as dead as the agency’s current leadership says it is, industry attorneys said. Read More

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