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Inside Mortgage Finance

September 22, 2022

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Whole Loans Coming Back as 2Q22 Agency Share Ebbs

Banks, thrifts and credit unions all reported sizable increases in their retained single-family mortgages. And home-equity debt outstanding was up for the first time in 14 years. (Includes two data charts.) Read More

Interest Rates Taking Toll on Lenders, Borrowers

Rising rates are putting pressure on both lenders and borrowers. Meanwhile, with originations constrained consolidations should increase. Read More

How Many Lenders Are Losing Money? A Lot

The mortgage industry’s worst kept secret? A lot of originators are losing money on new production. How long can nonbank shops live off the fat of 2020-2021? We’re about to find out. Read More

Brokers Protest Fannie Mae’s Capital Rule-Related TPO Fee

Lenders say the 15-bp surcharge on broker loans penalizes low- and moderate-income borrowers and flies in the face of the principle of the level playing field. Read More

Mortgage M&A: Asset Sales, Not ‘Franchise’ Deals?

There have been plenty of “asset” sales by mortgage firms this year —  MSRs, for instance — but not “whole” company transactions. Is the bell about to ring? Read More

FTC Raises Concerns Over ICE-Black Knight Merger

Intercontinental Exchange’s attempt to acquire Black Knight has been attacked by regulators, shareholders and mortgage lender trade groups. In other words, it remains to be seen if the deal will get done. Read More

Appraisal Industry Governance Comes Under Scrutiny

The Appraisal Foundation is pushing back against calls for appraisal reform legislation that would strip the group of its authority to set industry standards and criteria. Read More

Grapevine: The Trump Case / Maintaining Profitability?

The NY AG sued the Trump Organization this week for, among other things, inflating the value of its real estate holdings. Meanwhile, Rocket hopes to stay in the black. Read More

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