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Inside Mortgage Finance

February 25, 2021

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VA Share of Primary MI Continued to Grow in 2020

The VA home loan program surged past the FHA in new business in 2020. Thanks to its rapid-refi option, the VA also took market share away from private MIs. (Includes three data charts.) Read More

State Regulators Set Sights on Streamlining Nonbank Exams

State regulators in 2021 plan to establish a streamlined examination process for nonbanks, as well as string together standards for servicers. Read More

CFPB Delays QM Standards Mandatory Compliance Date

The Consumer Financial Protection Bureau plans to propose a rule to delay the mandatory start date of the general QM final rule. The agency is also considering revisiting the new seasoned QM rule via rulemaking. Read More

The GOS Boom is Over, Rates are Rising. Now What?

A new reality is settling into the mortgage industry, one driven by higher rates and lower profit margins. Fasten your seat belts. Read More

Cash-Window Cap May Have Bigger Impact Than Expected

Of the lenders analyzed by hedge advisory firm MCT, 25% will be directly impacted by the $1.5 billion cap on the amount of loans Freddie and Fannie can purchase from each seller over any four-quarter period. Read More

Industry Calls for Identical Language in Flood Insurance

Several trade groups are urging the FHA to adopt identical compliance aid language used in other federal agency regulations when allowing private flood coverage as an option for single-family insured loans. Read More

Ranieri Touts Utility Model for GSEs

The co-inventor of the MBS says Fannie and Freddie should be regulated as utilities to improve their affordable housing and racial equity activities. He recommends Treasury use its equity to fund joint venture. Read More

Grapevine: A Change in MSR Plans; The Mark is 100 bps

A change in plans for Caliber’s MSR sales? Looks that way but bidders will get another shot. Meanwhile, servicing values are firming up. Read More

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