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Inside Mortgage Finance

March 4, 2021

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Refi Sector Closes Strong in 2020, Dwarfs Homebuying

While the staggering $2.6 trillion of refinance originations in 2020 captured most of the industry's attention, the purchase-mortgage market also hit an annual record of $1.4 trillion. (Includes five data charts.) Read More

One for the Record Books: A Stunning Year for Warehouse Lenders

Warehouse providers racked up $137.0 billion of commitments at year end, arming nonbanks with the credit they needed to make a record amount of new loans. A repeat performance in 2021? Probably not, but a good year nonetheless is expected. (Includes data chart.) Read More

Nonbank Servicers Pick Apart Standards Proposed by States

Even though proposed state capital requirements and other standards are deeply unpopular among nonbank mortgage servicers, the CSBS said it will move ahead with its plans. Read More

Avoiding Foreclosure Top Priority of CFPB Nominee

Rohit Chopra’s nomination for director of the Consumer Financial Bureau appears to be a lock in the Senate Banking Committee. While laying out his priorities, he said the agency will not dictate housing-finance policy. Read More

Quicken Looking to Gain Market Share when Interest Rates Increase

As interest rates increase, Quicken anticipates lenders will reduce capacity, providing an opportunity for the nonbank to gain market share. Read More

Industry Mixed on the GSEs’ Appraisal Modernization Plan

Trade groups representing appraisers said the proposed automated valuations are really just rebranded desktop appraisals, not too dissimilar to the ones that helped crash the housing market in 2008. Read More

Citing COVID, CFPB Wants Delay in General QM Compliance

The powerful consumer regulator said extending the compliance date of the general QM final rule will give lenders more time to use the GSE “patch.” Read More

Grapevine: Assessing the IPO Market; A Dumb Short?

Shorting mortgage stocks seems like an easy way to make money, Right? Don’t bet on it, especially when insiders own most of the shares. Read More

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