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Inside Mortgage Finance

November 4, 2021

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Servicing Market Becomes More Top-Heavy in 3Q21

Nonbanks claimed more than half of the owned servicing reported by the top 50 firms in the market as their combined portfolio rose 10% in the second quarter. (Includes three data charts.) Read More

GOS Improved in 3Q21 for Many but Don’t Get Used to It

Almost across the board, origination profitability improved in the July-September period, but some lenders remain nervous and a shake-up could be coming as 2022 approaches. Read More

New York Applies CRA Requirements to Nonbank Mortgage Lenders

Community Reinvestment Act requirements that traditionally have only applied to depositories will be imposed on nonbanks in New York. The MBA warned that the standards are “unworkable.” Read More

GSE Earnings Strong; Maybe Not Strong Enough, Though

Fannie and Freddie could spend another 15 years in conservatorship before their retained earnings are sufficient under the existing capital rule. Read More

Mortgage Bankers Swimming in the Debt Pool Once Again

Additional nonbanks could tap the debt market in the months ahead. The reason: rising asset valuations on mortgage servicing portfolios. Read More

Chopra to Congress: CFPB Focusing on Repeat Offenders

In his first appearance before congressional leaders, CFPB Director Rohit Chopra addressed his priorities for the bureau, including enforcement and regulations. Read More

BBB Framework Allocates $10B in Federal DPA

The House Committee on Rules recently unveiled text for the $1.75 trillion Build Back Better legislative framework, which would include $10 billion for a new first-generation downpayment assistance fund. Read More

Grapevine: More MSR Deals / Zillow’s Fix-n-Flip Mess

The thirst for mortgage servicing rights continues, be it bulk or flow. Meanwhile, Zillow’s foray into fix-and-flip did not end well. Read More

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