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Inside Mortgage Finance

June 20, 2024

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Home Equity Lending Slows in First Quarter

Banks tightened underwriting standards for HELOCs in the first quarter and demand from borrowers declined. The only HEL lender among the top five to increase production in the first quarter of 2024 was a nonbank. (Includes three data tables.) Read More

CFPB Takes Action Against Reverse-Mortgage Servicers

The CFPB has permanently banned three companies from servicing reverse mortgages. Separately, the bureau issued a proposed order against Freedom Mortgage for repeated submissions of faulty HMDA data. Read More

A Tough Year for Nonbanks While Some CEOs Flourish

Is your mortgage CEO worth $30 million a year? $20 million? That may depend on the company’s share price. It might be argued that some executives of publicly traded nonbanks earn their keep while others might be in for a case of comeuppance. (Includes data table.) Read More

Non-QM Products Gain Popularity Among Lenders

Non-QM lenders are bullish about the sector’s potential despite headwinds in the housing market. Read More

Chopra Hints at HMDA Revision; Wants CRA Expansion

During hearings last week in Congress, CFPB Director Rohit Chopra addressed a number of issues involving the mortgage market. Read More

A Lull in Available MSRs. Will It Last?

Lenders are once again making money on mortgage originations, though not a ton. For now, some are holding onto servicing. Read More

Voters Support Housing Affordability Proposals

Increasingly, consumers are looking to the government for help with housing affordability, according to a survey conducted for the Bipartisan Policy Center and the National Housing Conference. Read More

Disaggregating Ethnic Data Could Improve GSEs’ EHFPs

Homeownership rates and household incomes differ dramatically within the AANHPI demographic. Some 65% of Filipino-Americans own their home while just 44% of Tongan-Americans do. Read More

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