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Inside Mortgage Finance

June 6, 2008

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Mortgage Default Cycle Shows Some Signs of Easing,But Servicers Continue to Face Eroding Conditions

There were some signs that the surge in mortgage default rates eased up a bit in early 2008 as a number of top servicers reported declines in their overall delinquency rates, but credit performance indicators continue to portray... [Includes two charts and one graph] Read More

Complex Loan Arrangements Hike Closing Costs for Minorities, Non-Collegiate and Blue Collar Consumers

Mortgage lenders and brokers are profiting from consumer confusion over complex loan products and terms, causing loan and other real estate fees to vary widely to the detriment of minorities, borrowers with low education, and blue collar neighborhoods, according to... Read More

Industry Foreclosure Prevention Initiative Claims 1.6 Million Homeowners Helped, As Legislative Intervention Looms

Nearly 1.6 million struggling homeowners have been able to avoid foreclosures through work-outs including loan modifications and repayment plans since July 2007, according to the latest figures released by Hope Now, the voluntary private-sector foreclosure... Read More

OTS Chief Offers to Oversee Unregulated Lenders, Calls for Uniform Rules for All Loan Originators

All mortgage originators should be subject to the same rules and regulatory scrutiny to avoid a repeat of the mortgage market and housing crises – and the Office of Thrift Supervision is the appropriate agency for the job, according to OTS Director John... Read More

FHA Lending is Fragmented Market With Familiar Names at the Top Ranks

The booming FHA mortgage lending business remains a highly fragmented market where even the biggest names in the industry manage to capture only about 5 percent of total activity, according to a new ranking by Inside Mortgage Finance... [Includes one chart] Read More

Revised and Expanded Top Originator Ranking Confirms Substantial Variation Among 1Q08 Lender Trends

Although overall mortgage origination volume increased by 6.7 percent from the fourth quarter of 2007 to the first quarter of this year, a revised ranking of the top 50 lenders confirms the fact that the upheaval in the mortgage market has... [Includes one chart] Read More

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