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Inside Mortgage Finance

January 21, 2021

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Private MI Tops Purchase Market, VA Leads in Refi

Private mortgage insurance accounted for over half of insured loans sold the agencies last year, while the VA overtook the FHA as the top government-insurance program. (Includes three data charts.) Read More

In 4Q, Banks Didn’t Exactly Rise to the Mortgage Occasion

The nation’s top six depositories funded a combined $139.3 billion of mortgages in the fourth quarter of 2020, down both sequentially and on an annual basis. Read More

Will CFPB Restore DTI? Director Kraninger Quits

Under President Biden, the CFPB could use its authority to bring actions against “related persons” of non-depository institutions, and could restore the recently eliminated DTI ratio threshold, industry watchers warn. Read More

On the Eve of Its IPO, UWM Assesses its Role in MSRs

With a wad of cash from its initial public offering, UWM has a boatload of options. One of them: hanging onto residential receivables. Read More

The Biden Effect: DACA Borrowers FHA Eligible

Deferred Action for Childhood Arrivals participants are eligible for government-insured loans, Joe Biden’s FHA declared. Read More

FHFA and Treasury Renegotiate PSPA. Now What?

The new PSPA will allow Freddie Mac and Fannie Mae to continue retaining earnings until they reach the regulatory minimum capital — almost $283 billion combined. Read More

Regulatory Enforcement to Escalate Under Biden

Lenders are likely to see tougher regulatory enforcement in the coming years, along with increased support for affordable housing. Read More

State Regulators Working to Reduce Burdens Related to Exams

State regulators launched a “networked supervision” exam system in March, aiming to improve the exam process for nonbanks. Some 35 regulators are using the system, with mixed results. Read More

Foreclosures Down in 2020 Thanks to Eviction Moratoriums

Eviction moratoriums helped foreclosure activity plunge 57% in 2020. But wait. There is a huge backlog building up. Read More

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