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Inside Mortgage Finance

November 29, 2018

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Agency Share of Jumbo Mortgage Lending Up in 3Q18; Will Higher Loan Limits Make a Difference?

Fannie Mae, Freddie Mac and Ginnie Mae saw a slight increase in their share of big-ticket mortgage lending in the third quarter as the non-agency jumbo sector cooled, according to an Inside Mortgage Finance ranking and analysis. [Includes three data charts.] Read More

Warehouse Commitments Begin to Shrink as Nonbanks Struggle with Lower Originations

Warehouse lenders ended the third quarter with $65.0 billion of commitments to nonbanks on their books, a modest 3.0 percent sequential decline, according to a new Inside Mortgage Finance analysis. [Includes one data chart.] Read More

Ellie Mae Takes Bold Step to Move All its Infrastructure to Amazon’s Cloud Platform

Ellie Mae is migrating its infrastructure to Amazon’s cloud platform in order to refocus its man-power and capital on innovation in mortgage lending instead of database management. Read More

The Expected Great Mortgage Banking M&A Tsunami May Trickle in Slowly

With loan production waning and profit margins thinning, investment bankers and warehouse ex-ecutives far and wide have been expecting a tsunami of mortgage-related mergers and acquisitions to sweep the industry. If there’s a big wave, it’s still out at sea. Read More

Lenders Concerned About the Impact of Pending CECL Accounting Change; Seek Delay and Study

The Mortgage Bankers Association is asking regulators to postpone the implementation of a new accounting standard that requires upfront recognition of credit losses using long-term economic fore-casts but doesn’t allow upfront recognition of future revenues associated with a loan. Read More

Proposed Higher Appraisal Threshold for Residential Real Estate Lending Draws Praise and Criticism

Appraisers, for obvious reasons, are against raising the appraisal threshold for residential real es-tate transactions, but several industry lenders have come out in favor of the proposal. Read More

HUD Heads into 2019 with Taxpayer Protection, Affordable Housing, IT Modernization as Top Priorities, Says IG Report

Protecting the FHA Mutual Mortgage Insurance Fund, affordable housing and information-technology modernization are among the Department of Housing and Urban Development’s top chal-lenges in 2019 and beyond, according to a report from HUD’s inspector general. Read More

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