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Inside Mortgage Finance

October 24, 2019

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New Records Set in 3Q19 as Mortgage Originations Soar

First-lien mortgage lending hit $700 billion during the third quarter of 2019, the market's biggest output in a dozen years. VA loan guarantee volume hit a record level; private MI business may have as well. Read More

More Stress Tests Await Next-Tier Ginnie Issuers

Stress testing issuers isn’t confined to just the largest players in the Ginnie market. The agency plans to look at lower-ranked firms as well. Read More

Calabria: Willing to Wipe Out GSE Shareholders If Needed

FHFA Director Mark Calabria said he would be willing to wipe out Fannie Mae and Freddie Mac shareholders if needed to ensure taxpayers don’t have to bail out the mortgage giants again. Read More

SCOTUS to Hear CFPB Case; Anything Can Happen

The Supreme Court has agreed to review a case challenging the constitutionality of the CFPB. Regardless of its decision, it likely will not be the end of the controversy surrounding the bureau’s leadership structure. Read More

What SCOTUS Review of CFPB Case Means for FHFA

According to analyst Jaret Seiberg, the risks posed by the Supreme Court’s decision explains why FHFA is considering releasing Fannie and Freddie from conservatorship via a consent decree. Read More

Dems Ask FHFA to Restore URLA Language Question

Lenders worry that including the language preference question on the URLA might expose them to litigation from non-English-speaking borrowers and slow down the homebuying process. Read More

Vets Find H.R. 3504 Hard Pill to Swallow

Veterans are once again faced with legislation that will increase the fees VA charges for home-loan guarantees. Read More

Mortgage Industry Urged to Establish New Gauge for Flood Risk

If the mortgage industry doesn’t change the way flood risk is assessed, lenders could begin to “blue-line” certain areas, refusing to lend due to unacceptable flood risk, according to a paper published by the San Francisco Fed. Read More

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