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Inside Mortgage Finance

January 27, 2022

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On COVID Coattails, 2021 Sets Originations Record

First-lien originations set a new annual record of $4.825 trillion in 2021 despite an 8.4% decline in the fourth quarter. Many top lenders reported significant quarterly declines in production. Read More

In a Red-Hot MSR Market, Private Equity Makes a Stand

Mortgage servicing rights may not seem like a particularly tempting investment. But in these turbulent times they’re attracting new interest from the private equity world. Read More

Loan Originators Turn to Non-QMs as Refis Drop

Loan originators hurting for business as GSE refis decline should consider non-QMs, according to industry participants. Some major lenders are expecting non-agency lending to jump this year. Read More

Mortgage Company Debt Below Par. A Bad Sign?

Institutional investors have forced down the price of mortgage company debt, making it harder for new deals to come to market. But is it the end of the world? Read More

Mortgage Companies Urged to Monitor Shifting Worker Expectations

As the refinance business slows, employers should be careful not to use the downturn as an excuse to cut back on compensation, hiring experts warn. Despite lower originations, LO recruiting remains a key focus. Read More

GSEs to Add Desktop Appraisals to AUMs

Once a “flexibility” intended to help lenders deal with the pandemic, the desktop appraisal is about to become a permanent fixture of Freddie’s Loan Advisor and Fannie’s Desktop Underwriter. Read More

Despite Higher Rates, Refi Candidates Can Still Benefit

While rising interest rates will dry up the pool of borrowers eligible for refinancing, there are still consumers who can lower their costs. Freddie Mac expects cash-outs to take up a larger share of refis in the short term. Read More

FHA Strengthens Housing Counseling Program

The Department of Housing and Urban Development announced $51.4 million in grants to 177 housing counseling agencies and the addition of four members to its Housing Counseling Federal Advisory Committee. Read More

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