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Inside Mortgage Finance

October 28, 2021

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Mortgage Originations Drift Lower in 3Q21, Less Agency

While agency market trends weakened in the third quarter, non-agency production likely continued to gain share. Rocket Mortgage, PennyMac and United Wholesale Mortgage remained the top producers, but several banks reported strong quarterly gains. (Includes two data charts.) Read More

Suddenly, Everyone Loves MSRs, Even Banks and PE Firms

MSRs are no longer the best-kept secret when it comes to value and investor returns. But might the bidding soon get too frothy? Read More

Industry Supports Equitable Housing Plans for GSEs

Mortgage industry stakeholders are on the same page with affordable housing and minority rights groups, at least when it comes to the FHFA’s proposal to require Fannie and Freddie to have concrete plans to improve equity in mortgage lending. Read More

Nonbank Servicers Raise Concerns Over Ginnie Capital Proposal

If capital and liquidity requirements for nonbank servicers are too stringent, firms could leave the business and borrowers’ costs for mortgages could increase. Read More

Algorithms Under Fire in Mortgage Redlining Initiative

Federal regulators have begun to flex their muscles on fair lending under the DOJ’s new Combatting Redlining Initiative. Read More

Subservicer Cenlar Sanctioned, Needs Approval to Add Clients

Subservicing behemoth Cenlar has caught the attention of the OCC, which slapped the loan processor with a consent order because of its risk management shortcomings. On the menu: corrective actions. Read More

Regulators Caution End of LIBOR is Fast Approaching

While many lenders are already originating mortgages using replacements for LIBOR, many legacy ARMs remain linked to the London benchmark, according to an analysis by Inside Mortgage Finance. Read More

Grapevine: Playing Ball on CRA / The Path to Public Ownership

CRA trade-offs and nonbanks: Let’s make a deal? Maybe, maybe not. Meanwhile, investors are still willing to sink cash into good mortgage ideas. Read More

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