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Inside Mortgage Finance

December 2, 2021

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First-Timers Hold Their Own as House Prices Climb

Most top lenders reported rising purchase-mortgage business and declining refinance activity in the third quarter. Private MIs lost a little ground in the first-time buyer market. (Includes five data charts.) Read More

FHFA Sets 2022 Conforming Loan Limits 18% Higher

The unprecedented increase has FHFA leadership thinking about the relationship between the conforming loan limits and home price appreciation. Read More

Some Publicly Traded Lenders Move to Cut Costs

The mortgage production cycle is starting to turn, so that means a reduction in headcount. But based on third-quarter results from a handful of public shops, the trimming has been light thus far. (Includes data chart.) Read More

Non-Agency Market Still Hesitant About New QM Standards

Some non-agency lenders are sticking with the older QM standards due to concerns about liability tied to income and employment verification requirements under the newer, more lenient QM standards. Read More

Trump Claims He Would Have Released the GSEs

The former president claims he wanted to fire former FHFA Director Mel Watt and let Fannie and Freddie out of conservatorship. Read More

Guaranteed Rate LO Hits $2B in Originations in 2021

Industry consultant Paul Hindman said the LO’s success was, in part, driven by Guaranteed Rate’s unique business model. Read More

FHA, Ginnie Mae Still Waiting for Senate-Confirmed Leadership

A full Senate vote on Julia Gordon’s nomination as FHA commissioner could slip into 2022, while the Senate Banking Committee could vote on Alanna McCargo’s nomination as Ginnie Mae president this week. Read More

Grapevine: Throw the Forecast Away? / The $5-a-Share Club

A tougher origination year in 2022? Looks that way, but forecasts can change on a dime when unexpected news alters economic perceptions. Meanwhile, a fist full of nonbank stocks are selling for less than $5 a unit. Read More

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