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Inside Mortgage Finance

June 23, 2022

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Banks Nibble at Nonbank Share of Mortgage Lending

Nonbanks still accounted for 66% of first-lien mortgage production by the top 100 lenders in the first quarter, but depository institutions in the group managed to up their share slightly. (Includes two data charts.) Read More

A Nice Gain for Second-Lien Production, Outstandings Shrink

It was a good news/bad news story for the second-lien market in the first quarter of 2022. Production increased nicely but outstandings fell. (Includes three data charts.) Read More

2Q22 is Almost Over. MSR Markups? Anyone?

When interest rates rise, MSRs increase in value. It happened in 1Q22 and is a sure bet for 2Q. But the breadth of the second-quarter gains is likely to be small, advisors warn. Read More

Is This What Balance Sheet Reduction Looks Like?

The Fed was supposed to begin letting assets roll off its balance sheet starting June 1. So far, there’s been little change. Read More

Mortgage Fintechs on an Acquisition Spree

Lower has acquired Hamilton Home Loans. Also, HomeLight is acquiring Denver-based Accept.inc to build out its cash offer program. Read More

New Residential Ditches External Management

Analysts agree that bringing management in-house is a long-term positive but differ on whether it improves value in the short run. Read More

Demand for HELOCs Grows Amid Rising Interest Rates

Demand for HELOCs is rising from borrowers who want to tap their home equity without letting go of their low-interest rate first mortgage. Read More

Grapevine: Another Run at the QM Rule? / 2Q22 Originations?

Changes could be coming to the CFPB’s QM rule. Then again, maybe not. Meanwhile, second-quarter earnings season starts soon, giving us a look into originations and MSR marks at the megabanks. Read More

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