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Inside Mortgage Finance

July 28, 2022

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Primary Market Searching for New Normal in 2Q22

First-lien originations fell 10% from the first to the second quarter, but a number of lenders — especially those that focus on purchase-lending and non-agency products — outperformed their peers. (Includes two data charts.) Read More

CFPB, DOJ Bring Enforcement Action Against Trident Mortgage

The proposed consent order with the Pennsylvania-based mortgage lender, if entered by the court, would be the CFPB’s first redlining resolution with a nonbank. Read More

Will FHFA End Suspension of Limits on GSE Cash Window?

Trade groups amplify concerns as the end of suspension of the PSPA limits approaches. Read More

Recent Nonbank Failures Not Seen as Threat to System

Though two prominent nonbank lenders shuttered recently as the refi business slows, there are currently few concerns about the potential for widespread failures of nonbanks. Read More

Sprout Was Trying to Settle with the IRS

In its final days, it appears that non-QM originator Sprout Mortgage had an IRS matter it was trying to work out. Current status: Unknown. Read More

UI Outlines New Forbearance Policy for Mortgage Market

The federal government should move forbearance to the front of the loss-mitigation waterfall, researchers at the Urban Institute proposed. A similar policy during the pandemic did more good than harm, they found. Read More

Counselors Seek Partnerships with Lenders to Close Racial Gap

Fee-for-service partnerships between mortgage lenders and housing counseling agencies could bring scale to the pre-purchase counseling services HCAs offer, according to industry experts. Read More

Grapevine: Freddie’s Income Declines; Home Price Appreciation Slows

Freddie’s income declined by 35% in second quarter; home price appreciation chugged along; loan applications at low levels; delinquencies increase. Read More

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