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Inside Mortgage Finance

October 6, 2022

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Agency Market Continues to Crumble in Third Quarter

Fannie, Freddie and Ginnie saw a modest 4% increase in purchase-mortgage business during the third quarter, not nearly enough to offset the ongoing collapse in refinance activity. (Includes two data charts.) Read More

One More Squeezing of the MSR Grapes? Looks That Way

Servicing rights to the rescue again? The third quarter is in the rearview mirror and it’s time for MSR owners to assess the asset value. But just how cautious should owners be? Some advisors worry. Read More

Ginnie Eyes Permanent Credit Facility for Nonbanks

The government guarantor is considering making its pandemic-era pass-through assistance program credit facility for nonbanks permanent. And it comes at a pressing time. Read More

Non-QM Demand Varies, Creating Hurdles for Lenders

Borrowers are seeking non-QMs even as interest rates increase. However, investor demand for the loans is mixed. Read More

Late Court Rulings Set Stage for Fairholme Trial

In what is likely to be the last legal wranglings in Fairholme v. FHFA before its long-awaited jury trial begins, Judge Lamberth dealt Fannie/Freddie shareholders a modest defeat. Read More

Undisclosed: The Fate of Rushmore’s MSR Contracts

Rushmore Loan Management is exiting the servicing arena but details are light regarding who might control its multi-billion-dollar MSR portfolio. For now, management isn’t saying a word. Read More

Court Puts an End to 1,700 Institutions’ HMDA Holiday

The CFPB’s 2020 rule, exempting some institutions from Home Mortgage Disclosure Act reporting, was found to be arbitrary and capricious by the D.C. District Court. Read More

Grapevine: More Cost Cuts at loanDepot / The Future of Low-Balance Loans

In yet another cost-cutting move, loanDepot is halting 401(k) matches while some of its top brass will get raises. Meanwhile, is there relief on the way for low-balance mortgages? HUD is trying to lend a helping hand. Read More

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