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Inside Mortgage Finance

October 13, 2022

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Nonbank Servicing Gains Boosted by MSR Transfers

Nonbanks continued to broaden their footprint in agency mortgage servicing during the third quarter, particularly the Ginnie market. Bulk MSR acquisitions played a role in that. Read More

What Goes Up, Comes Down: Nonbank Repo Lines

Repo lines, a type of warehouse financing, are being trimmed left and right these days as originators move to save money. A surprise? Not exactly, but it seems the filers are proliferating. Read More

As Midterms Approach, Hope Grows for FHA MIP Cut

The approaching midterm elections have once again sparked debate on when the FHA will announce a reduction in insurance premiums. Will the Biden administration use an MIP cut to stoke Democratic support? Read More

Lenders Bracing for Stagnant Home Prices Next Few Years

After a couple of years where annual home price growth averaged 20%, analysts expect prices to flatten or even decline. And it’s possible the conforming loan limit set for 2023 will remain in place for all of 2024. Read More

Marlin Mortgage Sees Advantage in Acquiring MSR

The tide has turned somewhat in the servicing market — it’s a great time to be a buyer, depending on who you talk to. Meet Marlin Mortgage Capital. Read More

Hurricane Ian-Related Losses Estimated at $70 Billion

CoreLogic estimates the uninsured flood loss from the storm is between $10 billion and $17 billion. Read More

CFPB Reminds Borrowers of Right to Reconsideration of Value

The CFPB’s fair lending director in a new blog post reminded borrowers they can use reconsideration of value processes to question appraisals. The post came with a more subtle message directed at lenders: Make your ROV processes as easy to use as possible. Read More

Grapevine: A Ginnie Compromise Afoot? / A Pickup in MSR Auctions

Nonbanks have been concerned about Ginnie’s new capital standards, but perhaps the agency has seen the light? Or at the very least, a compromise? Meanwhile, MSR auctions are picking up a head of steam. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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