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Inside Mortgage Finance

December 17, 2020

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Home-Equity Lending Perks Up in 3Q20, Supply Shrinks

New funding of home-equity loans rose in the third quarter as borrowers tapped into existing accounts, but banks generally shrank from writing new HELOC commitments. (Includes three data charts.) Read More

Big GSE Surge Powers 3Q20 Growth in Servicing Market

Banks continued to retreat from the business of servicing home loans for other investors as nonbanks increased their MBS servicing by 6.6% in the third quarter. (Includes two data charts.) Read More

Subservicers Continue Their Strong Growth, but For How Long?

Subservicers continue to benefit from the keep-and-hold strategy being employed by small- to medium-sized shops. (Includes data chart.) Read More

NCUA Considering Allowing Sale of MSRs Among Credit Unions

The proposal, if issued, will allow credit unions to purchase MSRs as an investment. Read More

Mergers and Acquisitions? See You in 2Q21 (Maybe)

It’s been slow going when it comes to the sale of mortgage companies. But 2021 shows some promise — as long as rates don’t tank again. Read More

New QM Standards: A Few Wins and Losses for Lenders

QM status will no longer be tied to whether a loan is eligible for sale to the GSEs, potentially prompting a shift toward non-agency mortgages. Read More

FHFA (Unexpectedly) Proposes New Liquidity Rules

The proposed rule establishes new liquidity, as well as reporting, requirements for Fannie Mae and Freddie Mac. Read More

CHLA Seeks Exemption for Smaller Nonbank Servicers

State regulators should propose thresholds to relieve smaller nonbank servicers from certain regulatory requirements, said the CHLA. Read More

Coming Soon: All National Guard Members Eligible for VA Loans

New legislation would extend zero-downpayment loans to more than 400,000 Guard members. Read More

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