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Inside Mortgage Finance

January 9, 2020

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Refi Boom Pushes Agency Business to Six-Year High

Fannie Mae, Freddie Mac and Ginnie Mae all recorded big gains in refinance business in 2019, driving their combined MBS production to over $1.5 trillion. (Includes two data charts.) Read More

Wall Street Lines Up to Take Nonprime Lender Public

Conventional nonbank lender/servicers have been closed out of the IPO market for several years now. But if you fall into the nonprime category, it’s a different picture. Velocity is about to test the stock market waters. Read More

Calabria Says No Decision Yet on Using a ‘Consent Decree’

FHFA Director Mark Calabria walked back the idea of using a consent decree as part of the agency’s plan to recap and release Fannie and Freddie from conservatorship. Read More

A Cause for Celebration: MSR Values Poised for a Markup

Rates were lower at yearend than Sept. 30, which means MSRs owners can relax and take profits on the asset. Next week, when the megabanks begin reporting 4Q results, we’ll know just how good the numbers are. Read More

Will GSEs Begin Exiting from Conservatorship in 2020?

Analysts ponder whether the administration is committed to making key reforms to the GSEs in the midst of an election year. Read More

Revised Defect Taxonomy Isn’t a Game Changer

The revised defect taxonomy eases lenders’ concerns about regulatory liability but stakeholders, particularly banks, think depository institutions are not out of the woods yet. Read More

Nonbank Fintech Lenders Expanding Pool of Borrowers

Nonbank fintech lenders put a greater emphasis on borrowers with low credit scores and in areas underserved by banks, according to research pub-lished by the Federal Reserve Bank of Philadelphia. Read More

Regulators Warn Mortgage Firms Against Cyber Attacks

Mortgage firms must remain vigilant over possible cyber attacks by Iranian hackers in retaliation for the killing of the country’s top military commander, U.S. financial regulators warn. Read More

MSR Owners Must be Licensed in New Jersey

New Jersey clarified that investors in mortgage servicing rights must obtain a “servicer” license in the state even if they do not handle the monthly processing chores. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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