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Inside Mortgage Finance

June 10, 2021

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Agencies Lag Behind in 1Q21 Jumbo Mortgage Lending

Non-agency jumbo production grew 6.2% in the first quarter, but Fannie, Freddie and Ginnie saw a 19.5% downturn in conforming-jumbo business. A lean toward refinancing and pricing issues likely accounted for the difference in the two markets. (Includes three data charts.) Read More

As Warehouse Commitments Ebb, New Entrants Appear

Nonbanks are starting to ease up on their credit requests, which portends a lending slowdown is in the works. Meanwhile, the warehouse club has two new entrants, in the form of Signature Bank and Fifth Third. (Includes data chart.) Read More

GOS Margins Get Squeezed. First Victim: TPOs

Competition among the two dominant players in the wholesale channel continues to reduce the profit equation. However, margins from retail lending remain robust … for the moment. Read More

Residential Appraisers Fear HUD Task Force

Not racial bias, but geographical incompetence is the reason appraisers mar home valuations, according to agents interviewed by IMF. Read More

FHFA Hears More from Small Lenders

Critics argue that community banks and small credit unions are vulnerable to rules designed for large lenders. Also, if Fannie and Freddie exit conservatorship, many of the guardrails protecting small lenders could vanish. Read More

Student Loan Refis: A Market Residential Lenders Should Consider?

Incenter Mortgage Advisors is known mostly as a servicing broker and whole loan trader, but through an affiliate it wants to help nonbank mortgage firms tap the student loan market. Will it fly? Read More

GAO Finds CFPB’s Fair Lending Reorganization Was a Failure

Not only did it cause a loss of expertise, but it also led to a drop in enforcement actions by the consumer watchdog. Read More

Two Top CFPB Enforcement Officials on Their Way Out

Rohit Chopra’s nomination is in a holding pattern. Meanwhile, the CFPB is losing two high-profile enforcement attorneys and the DFPI its commissioner. Read More

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