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Inside Mortgage Finance

June 3, 2021

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First-time Buyers Hang on in Slumping Purchase Market

PennyMac ranked as the top producer of purchase-money mortgages in the first quarter of 2021. Quicken Loans remained the top refi lender but lost ground to many competitors. (Includes four data charts.) Read More

Second-Quarter Lending Shaping Up to Be Good, Not Great

The origination boom had to end sometime, but don’t reach for the hankies quite yet. Applications remain strong and no one’s going out of business, or so we’re told. Read More

GSEs Clarify Implementation of New QM Standards

Fannie and Freddie have provided lenders with some flexibilities on construction-related loans. Also, they will pause acquisitions of refinances of mortgages with high loan-to-value ratios. Read More

HUD Chief to Lead Interagency Effort on Appraisals

Besides overseeing HUD and keeping tabs on FHA and Ginnie Mae, Marcia Fudge has a new task: managing the White House’s latest initiative on appraisal inequities. Read More

Biden Ready to Work with Congress on GSE Reform (Huh?)

GSE reform garnered a slight mention in the White House budget document. Meaning? Draw your own conclusions. Read More

CFPB Sees Stark Differences in MH Lending Market

Refinances are a rarity among manufactured housing loans, according to a new CFPB study. Less than 4% of chattel loans — which make up 42% of manufactured housing loans — were for refinances. Read More

Zombie Foreclosures Spike in 2Q21; New York Leads the Pack

The number of boarded-up, empty houses and buildings, or so-called zombie properties, in some stage of foreclosure jumped 21% this quarter, according to data vendor ATTOM. Read More

Grapevine: Of New Business and the M&A Effect

Applications are down but not dramatically so. Also, UWM’s CEO sees opportunities in the M&A binge, namely the ability to recruit some top-flight talent who might be left without a home. 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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