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Inside Mortgage Finance

November 16, 2023

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Agency Production Held Up Better in 3Q23 as Rates Rose

Originations of jumbo and expanded-credit mortgages fell 7% from the second to the third quarter, more than double the rate of decline in agency production. (Includes two data tables.) Read More

FHA MMIF Remains Strong Despite Cut in Premiums

The FHA Mutual Mortgage Insurance Fund remained healthy despite the 30-basis-point cut in insurance premiums earlier this year. Read More

Demand for MSRs May Have Peaked, More Sales Likely

With the supply of MSRs expected to grow, there are concerns that prices won’t hold up. Meanwhile, the CFPB is considering incentives for lenders to retain servicing. Read More

Early-Stage Delinquencies Rising; Few Foreclosures

Delinquencies in the 30-60-day bucket are increasing in line with trends in unemployment. Foreclosures remain limited though there are concerns about borrowers with low levels of built-up equity. (Includes data table.) Read More

PNC Bulks Up on MSRs, Cuts Production Execs

Federally insured depository PNC has been trimming the head count in its origination business while bulking up on mortgage servicing rights. Read More

Long Odds for Better and Finance of America

It’s never good news when companies see their share price break the buck. Better.com and Finance of America are facing that prospect. The big question: How much time do they have left to right the ship? Read More

Mortgage Industry Urged to Calibrate AI Against Bias

Even though machine learning and other forms of artificial intelligence have made the mortgage industry much more efficient, experts are less optimistic it can reduce racial inequity in the system. Read More

GOP Senators Seek Reversal of Immigration Guidance

The guidance outlines when consideration of a credit applicant’s immigration status could violate the Equal Credit Opportunity Act. Read More

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