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Inside Mortgage Finance

March 14, 2024

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Depositories Focus More on Whole Loans, Less on MSR

The biggest growth in the mortgage market during the fourth quarter was in home equity loans. Ginnie Mae continued as drum major in the MBS market. (Includes three data tables.) Read More

Warehouse Commitments Continue to Fall in Fourth Quarter

When nonbanks suffer in the origination game, so do their bankers. According to the latest analysis from Inside Mortgage Finance, warehouse commitments totaled $96.0 billion at yearend. (Includes data table.) Read More

Lenders Take Issue With Scrutiny of Closing Costs

The CFPB is looking at various closing costs, raising concerns about a lack of competition. Trade groups representing mortgage lenders stress that closing costs are adequately disclosed and well regulated. Read More

Industry Outcry Over Biden’s Title Insurance Waiver Plan

Industry trade groups as well as analysts believe the proposed waiver pilot is purely a political gesture and will, in fact, expose borrowers and lenders to financial risk. Read More

Biden Proposes Mortgage Tax Credit

President Joe Biden last week proposed a mortgage tax credit of $400 a month for up to two years to help borrowers buy their first homes. Read More

Former Freddie CEO Says the GSEs’ Structure is Fatally Flawed

The FHLBanks, like Fannie Mae and Freddie Mac, have a public/private structure that can incentivize private profits at public cost. Don Layton, former Freddie CEO, said the banks are ripe for reform. Read More

Mortgage Employment Shrinks Further

What does the stalled mortgage job market need? An interest rate cut by the Federal Reserve. Otherwise, limited hiring and layoffs will be the order of the day. Read More

Millennial Borrowers Make Up Growing Share of Mortgage Market

Millennials, defined as borrowers aged 27 to 42, received the majority of mortgage offers made through LendingTree’s platform. Read More

Grapevine: HUD’s Fudge to Step Down; IRS Postpones IVES Changes

Housing Secretary Fudge resigns; IRS postpones controversial changes to IVES; regulators to alter Basel capital proposal; banking regulators waive appraisal requirements in Maui; feedback sought on bank call-report proposal. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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