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Inside Mortgage Finance

April 16, 2020

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Warehouse Banks Treading Lightly in COVID Era

Warehouse credit flows downhill: from the financier to the nonbank lender to the consumer. But with the pandemic stoking new economic fears, some providers are tightening their standards, like market leaders JPM and FH.

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Ginnie Gains Market Share in Single-Family MBS Servicing

The economic impact of the coronavirus is smacking headlong into two unmovable trends: the growth of the Ginnie servicing market and the expansion of nonbank servicers. (Includes two data charts.) Read More

Congress Pushes Fed for Liquidity to Mortgage Servicers

House Republicans are pushing Federal Reserve and Treasury to create a liquidity facility for mortgage servicers struggling to fund advances. Read More

Credit Box Shrinking Amid Forbearance Risk

According to independent mortgage bankers, aggregators are adding credit overlays and refusing to buy loans in response to post-closing forbearance risk. Read More

Purchase-Mortgage Originations Seen Down Due to Coronavirus

Production of purchase mortgages is likely to fall this year due to issues tied to the coronavirus. Read More

In 1Q20, Banks Show Large MSR Marks, Slowing Originations

The megabanks saw their first-quarter mortgage results get whipsawed by the coronavirus. Home lending was down and MSR marks were up. Read More

Consistent Post-Forbearance Options Needed for the Industry

A lack of consistent post-forbearance options may pose additional risks for the industry, particularly for loans owned by Fannie and Freddie. Read More

Fair Lending Risks in Forbearance Handling

Fair lending risks exist in servicers' handling of forbearance requests if certain protected classes are found to be disadvantaged. Read More

Note to Subscribers

Our 2020 calendar called for this week to be a publishing break. But there is too much happening in the industry to take a week off. This issue is a bonus to your subscription and does not count as one of the 48 promised for the year. 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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