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Inside Mortgage Finance

July 29, 2021

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Mortgage Originations Flat in 2Q21 as Refi Wave Slows

A number of banks reported strong gains in production during the second quarter, while nonbanks continued to dominate the top tier of lenders despite mixed trends. (Includes two data charts.) Read More

Final Standards for Nonbank Servicers Include Concessions

The new standards mirror FHFA’s existing requirements in many ways, while extending the provisions to non-agency mortgages. CSBS also provided a few breaks to the industry. Read More

The Reason Behind Non-QM Growth: Plentiful Warehouse Credit

A handful of commercial banks are quietly making a name for themselves in non-agency warehouse finance. Among them: Axos Bank, Silvergate and Western Alliance... Read More

A Blowout 2Q21 for Freddie. Meanwhile, G-Fee Trouble Ahead?

If mortgage lenders thought g-fees might decline this fall, they may be gravely disappointed. Meanwhile, the adverse market refi fee clearly boosted Freddie Mac’s 2Q21 results. Read More

FHFA’s Post-Calabria Priorities: Affordable Housing, More

Lenders argue that Thompson should focus on reversing unpopular policies initiated when Mark Calabria was FHFA director. They point to unvetted credit requirements and the product caps included in the PSPAs. Read More

COVID-19 Forbearance Tallies Continue to Shrink

The share of mortgages in forbearance fell substantially over the past year, but the Department of Housing and Urban Development wants servicers to reach out to all homeowners who may still need loss-mitigation assistance. Read More

GSEs See Strong Recovery in Multifamily Market But…

As rents and absorption rates rise, apartment sales and mortgage originations head north. Read More

Caliber Agrees to Pay $5M to Settle Improper Fee Charges

A settlement in a similar class action involving PHH/Ocwen was opposed by a group of state attorneys general, but a new agreement is pending. Read More

Grapevine: Harping on Ginnie / Who Will Ultimately Lead FHFA?

If Ginnie Mae hikes its capital requirement as proposed, it could reduce the number of issuer/servicers. But some nonbanks would benefit from reduced competition. Read More

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