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Inside Mortgage Finance

August 19, 2021

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Agency Market Stumbled in 2Q21 as Jumbo, ECM Surge

The agency market — FHA/VA and conventional conforming — still accounted for 86% of first-lien originations, but jumbo and ECM lending are gaining ground. (Includes two data charts.) Read More

Purchase Mortgages, Margins in Focus at United Wholesale and Rocket

With competition for mortgages heating up, United Wholesale and Rocket are increasing their emphasis on purchase mortgages. Margins, meanwhile, don’t look to budge much. Read More

Are GSE PSPA Restrictions Costing Wholesale Lenders?

Home Point and UWM earnings reports suggest the GSEs’ new limits on cash window purchases and caps on certain mortgage products took a bite out of the profits of some larger wholesalers. Read More

Mortgage M&A Advisors, Time to Start Your Engines?

Sick of hearing about the ramifications of lower gain-on-sale margins? Okay, but declining GOS likely will play a role in the M&A market. Read More

Lenders See Promise in Non-Agency Products

Jumbo mortgages and non-qualified mortgages can generate better margins than agency products. Still, the loans don’t necessarily offer a guaranteed path to profits. Read More

HUD, FHFA Join Hands to Boost Fair Housing Oversight

Industry consultants are cautioning companies to take steps to ensure their fair housing compliance teams are ready to defend an expected uptick in enforcement actions. Read More

Mr. Cooper Seeks Dismissal of Excess Withdrawal Lawsuit

The nation’s fourth-largest mortgage servicer is being hit on the legal front over a “processing issue” that caused unauthorized withdrawals of monthly mortgage payments. Read More

Judge Approves Third Payout in HAMP Case Against Wells

The latest $22 million settlement brings to an end a lawsuit accusing Wells Fargo of wrongfully denying loan modifications to borrowers who eventually lost their homes to foreclosure. Read More

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