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Ability to Repay

While Angel Oak, Deephaven and Others Issue New Nonprime MBS, Citadel Mines the Whole Loan Market

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Many Non-QM Borrowers Look Eligible for GSE Mortgages, Save for One Disqualifying Issue

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State Regulators Say CFPB Mortgage Rules Impede Community Banks’ Mortgage Lending, Relief Needed

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Weaker Investor Protections Detected in Newer Nonprime RMBS Transactions vs. Prime Deals

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IO Originations Decline in First Quarter

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More ‘Alt Doc’ Loans in MBS from Deephaven

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Nonprime Lenders Fill Variety of Niches, Many Programs With Less-Than-Full Documentation of Income or Assets

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Some Lenders Keep Hiring; Others Are Cautious

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Treasury Seeks to Eliminate GSE Patch, Or Something Like That, Citing Fairness Concerns

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House of Representatives Passes CHOICE Act But Legislation Likely Faces a Dead End in Senate

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Deephaven Provides More Non-QM Detail

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CFPB Assessing Effectiveness of ATR Rule

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