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Inside Mortgage Finance

December 15, 2022

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Whole-Loan Servicing Grows Faster Than MBS in 3Q22

Agency MBS still accounted for the biggest chunk of outstanding home loans, and it's all virtually immune to refinancing. Retained whole-loan portfolios were the fastest-growing sector in the third quarter. (Includes three data charts.) Read More

MSR Sales Will Be Strong in 2023, However…

Mortgage servicing rights are still a hot commodity and new investors continue to surface, but prices aren't what they used to be. One bright spot: Credit quality looks promising, at least on conventional rights. Read More

Use of Temporary Rate Buydowns Expands

Sellers and homebuilders are increasingly reaching for an old mortgage tool to make their homes more attractive to potential buyers. Read More

A Real Head Scratcher: A Figure-Bank-Warehouse SPAC? 

Will investors be interested in buying shares in a special purpose acquisition company that houses a bank/warehouse lender and assets put together by fintech guru Mike Cagney? Maybe in “normal times,” but we’re not operating in normal times. Read More

CFPB Proposes Public Nonbank 'Repeat Offender' Database

The CFPB wants to create a public registry to track nonbank financial firms that have been cited by a federal, state or local authority for unfair, deceptive or abusive acts or practices. The goal: To add sunshine to the markets and enhance regulators’ supervisory efforts. Read More

Omnibus Spending Package Could Pass by End of Next Week

The timing of an FHA mortgage insurance premium cut could rest on how soon Congress passes a fiscal 2023 federal budget. Read More

Grapevine: A Correction for F&F? / The Return of Bill Dallas?

Fewer fix-and-flip home sales are occurring these days, a negative sign for this once white-hot sector. What's more, the profit per transaction dropped to $62,000 in the third quarter. Meanwhile, remember industry veteran Bill Dallas? He may be returning to the mortgage industry for one more rodeo. Read More

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