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Inside Mortgage Finance

September 30, 2021

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Agencies Drive Mortgage Market Over $12 Trillion

Fannie Mae and Freddie Mac posted significant gains in single-family business in the second quarter, but Ginnie was relatively flat and the non-agency servicing market continued to shrink. (Includes two data charts.) Read More

Depositories Come Back in 2Q21 Mortgage Slump

The decline in mortgage origination from the first to the second quarter hit nonbanks harder, but the industry still accounted for 70% of production by the top 100 lenders. (Includes two data charts.) Read More

Analysts Expect a Drop in FHA Premiums in Early 2022

Analysts are betting the Mutual Mortgage Insurance Fund will be healthy enough to propel the FHA to lower premiums early next year. Read More

A Moral Dilemma? Mortgage Bankers and PPP Money

Remember the government’s Paycheck Protection Program? Mortgage bankers took some of the money and then posted record earnings. Read More

Lawsuit Against loanDepot May Have Third Parties Worried

In regard to underwriting shortcuts, loanDepot said it did nothing wrong, but the nation’s sixth-largest home lender’s counterparties may need some reassurances. One observer called a lawsuit filed against the company a legal “nightmare.” Read More

Threat of a Federal Debt Default Looms. Mortgage Implications?

Treasury Secretary Janet Yellen and others warn of catastrophic economic consequences if the government fails to raise or suspend the debt ceiling before the middle of October. Read More

Industry Favors Equitable Housing Plans; Questions Impact

The key concern among the industry is the GSEs’ reliance on loan-to-value ratios and debt-to-income ratios. They recommend Fannie and Freddie develop alternative underwriting criteria for low-income borrowers. Read More

A Refresher on the CFPB Nominee as Senate Vote Nears

Once confirmed, Rohit Chopra, who is no newbie to the CFPB’s workings, is expected to waste no time getting the bureau’s rulemaking and enforcement machinery ticking. Read More

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