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Inside Mortgage Finance

February 10, 2022

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Agency Markets Hit Hardest by 4Q21 Production Slump

The conventional-conforming and government-insured sectors took the brunt of the decline in mortgage originations during the fourth quarter. Jumbo held steady, while ECM gained. (Includes two data charts.) Read More

A Boom With Little Precedent: MSR Sales

Sales of mortgage servicing rights have been nothing short of stunning the past five quarters. Can the good times last? Yes, if prepayment speeds cooperate. Read More

New Capital Requirements Expected for Nonbank Servicers

FHFA is reportedly working to re-propose updated financial eligibility requirements for Fannie/Freddie seller/servicers. The changes had been put on the back burner at the start of the pandemic. Read More

Freddie Mac Posts 4Q21 Net Profit of $2.7 Billion

But credit-related charges at the mortgage giant went from $194.0 million in the third quarter to $604.0 million in the fourth quarter. Read More

Delinquencies Decline in 4Q21; Late-Stage Rates Still Elevated

Overall, mortgage delinquencies at the end of 2021 had returned to levels seen before the pandemic. Serious delinquency rates are elevated compared with the days before the coronavirus. (Includes data chart.) Read More

A Foreign Bank Throws in the Towel on Mortgages

Good news/bad news: Spanish bank Santander is staying in America — but it’s exiting mortgage finance. Read More

FHA Facing Staffing Challenges on Various Fronts

Efforts to shore up its workforce face challenges ranging from a high number of retirement-eligible employees to budget uncertainties and competition for talent from both industry and other housing agencies. Read More

Analyst Calls Radian Sale a Low Probability Event

An analyst with Keefe, Bruyette & Woods says a buyer might find the company’s mortgage servicing and technology segments of value. Read More

UWM Sues Broker for Violating ‘All-In’ Agreement

The agreement restricts broker partners from sending loans or applications to Rocket Mortgage and Fairway Independent Mortgage. The California-based broker said the provision is illegal and anticompetitive. Read More

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