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Inside Mortgage Finance

September 28, 2023

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Home Equity Lending Running Slower in 2023

Originations of home equity lines of credit and closed-end second liens in 2023 haven’t kept pace with production in 2022 as elevated interest rates are limiting activity. (Includes three data charts.) Read More

Government Shutdown Could Slow Government Mortgage Activity

If the federal government shuts down starting Oct. 1, the mortgage market will largely carry on, but with some complications. Read More

Mortgage Company Execs Tout Servicing Strengths

Top executives of Freedom Mortgage, NewRez and Mr. Cooper said servicing operations have helped them sail through the originations storm. Read More

Banks Claw Back Some Market Share in 2Q23

Smaller lenders appeared to punch over their weight as companies ranking below the top five generally posted bigger gains in first-lien originations in the second quarter. (Includes two data charts.) Read More

Lenders Call for Reduced Government Role in Market

The heads of mortgage industry trade groups are frustrated that the federal government is crowding out non-agency market participants. Read More

Industry Criticism Piles Up on Proposed Bank Capital Rules

The new proposed capital requirements could reduce LMI lending by large banks and make warehouse financing expensive for nonbanks. Read More

Borrowers Lose Interest in Buydowns

Buydowns have fallen out of favor among borrowers this year as interest rates have continued to rise. Read More

Delinquencies May Be Nearing Cycle Lows

Mortgage performance could soon turn a corner, according to Black Knight. Read More

Grapevine: CFPB’s Day in Court; CFPB Tracking Lending Trends

The Supreme Court will hear oral arguments next week in a case that could decide the fate of the CFPB; CFPB tracking lending trends from 2022 HMDA data; FHFA looks to expand activity involving mortgages with shared-equity features. Read More

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