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Inside Mortgage Finance

September 9, 2021

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Rookie Buyers Play Big Role in Record Purchase Market

Purchase-mortgage lending soared to a record $515 billion during the second quarter of 2021, buoyed by first-time buyers. Refi lending was down but still accounted for 58% of the market. (Includes five data charts.) Read More

A Strong Showing for Warehousers in 2Q21 But It Ain’t 2020

As originations go, so goes the warehouse sector. In 2Q21, commitment levels reached a new high but borrowing nonbanks are now trimming how much credit they will need for the rest of the year. (Includes data chart.) Read More

Originations Begin to Slow — But Not Everywhere

It’s assumed that third-quarter originations will be down compared to 1Q and 2Q, but lenders remain sanguine about the short term. Also, some are finding solace in non-QM production. Read More

SCOTUS, FHFA and the Eviction Moratorium

With the Centers for Disease Control and Prevention no longer able to offer eviction protection to delinquent renters, the speculation now is whether the housing finance agencies will institute a moratorium of their own. Read More

FHFA Proposes GSEs Flesh Out Equitable Housing Plans

The plans will focus on reducing the racial and ethnic homeownership gap and helping to mitigate underinvestment and undervaluation in previously redlined neighborhoods. Read More

Some Mortgage Lenders Could Fall Under Small Business Data Rule

The CFPB plans to collect extensive data on lending to small businesses to facilitate enforcement of fair lending laws. Read More

Attorneys Warn of More Redlining Actions Under Biden

Following the recent coordinated action by federal agencies against Cadence Bank for redlining, compliance attorneys have suggested now is not the time for mortgage companies to let their guard down. Read More

Grapevine: Waiting on GSE RBC / Holding Out for a Better Price

A risk-based capital regime could be in the works for Fannie and Freddie, though some GSE watchers suggest the whole exercise could be in flux. Meanwhile, Wells Fargo has a new servicing chief, Ann Thorn from Caliber Home Loans. Read More

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