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Inside Mortgage Finance

December 16, 2021

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Home-Equity Market Limps Along, New Lending Wanes

Banks, thrifts and credit unions reported a modest increase in the untapped HELOC commitments in the third quarter, but homeowners continued to sit on a mountain of untapped equity. (Includes three data charts.) Read More

Depositories Recapture Some Lending Market Share in 3Q

Nonbanks remained the driving force in first-lien originations, accounting for 68.4% of aggregate production by the top 100 lenders. (Includes two data charts.) Read More

Maybe Better.com Should Just Sell Its Assets

Faced with a not-so-welcoming IPO market earlier this year, AmeriHome and Caliber Home Loans did the next best thing: The two public-bound nonbanks found willing buyers to pay a decent price. Should Better.com do the same? Read More

Regulatory Agendas Include Many Mortgage Items But Not QMs

Federal regulators provided status updates on several current and pending mortgage-related rulemaking initiatives. But revisions to the qualified-mortgage standards were missing from the CFPB’s agenda. Read More

Huge Bulk MSR Deals Pending as Year Winds Down

The servicing sales market continues to burn white hot, thanks to pent up demand. Next stop: 2022. Bring your checkbook. Read More

Biden Nominates Thompson as Permanent FHFA Director

President Biden’s choice has pleased mortgage industry and affordable housing advocates, who were largely critical of FHFA policy under conservative Mark Calabria. Read More

OIG Calls on CFPB to Improve Supervision of Nonbanks

One of the recommendations: the Consumer Financial Protection Bureau should create a registry of nondepository institutions that fall within its jurisdiction. Read More

FHFA Tabulates Examples of Appraisal Bias

Free-form text fields in appraisal documents frequently contain property descriptions that may violate fair lending laws. Read More

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