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Inside Mortgage Finance

December 1, 2022

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Purchase-Mortgage Market Tilts Toward Repeat Buyers

Although purchase-mortgage originations fell 12% from the second quarter, several lenders reported increased production in the third quarter. Nearly all top lenders saw hefty declines in refinance business in the third quarter. (Includes four data charts.) Read More

Bitcoin Lender Silvergate Pulls the Plug on Warehouse Finance

Silvergate Bank has been in the news because of its crypto-finance-related business. But the depository is now in the process of trying to quietly pull out of warehouse lending. What’s going on? The bank isn’t talking. Read More

Slow Growth for Most Subservicers. Changes Ahead?

Most subservicing specialists have experienced tepid growth the past few quarters. The reason? A red-hot bulk sales market is one possibility. Meanwhile, a few top-ranked vendors are about to have new owners. (Includes data chart.) Read More

Subservicing Looks Good but Default Outlook Is Dodgy

Loss mitigation is getting harder to do as higher interest rates pose affordability problems for loan modifications and borrowers are less willing to sell their homes. Read More

As Expected, FHFA Hikes Conforming Loan Limits

Fannie and Freddie will soon be able to purchase mortgage loans in excess of $1 million. Read More

Trade Groups Open to Refi, Loss-Mitigation Rule Revisions

Wells Fargo and housing finance trade groups expressed support for expanding access to streamlined refinances and easing barriers to forbearance options for financially struggling consumers. Read More

MLI Designation Seen as Valuable Draw for Investors

Affordable housing and minority lender groups want Treasury’s CDFI Fund to solidify its new Minority Lending Institution designation. Read More

Grapevine: Price Disparities on Credit Reports? / Heavy Insider Sales

CHLA is concerned large lenders are getting a break on credit report costs while smaller shops are getting whacked. Meanwhile, there’s been a spate of stock selling by mortgage company insiders the past few months. Read More

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