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Inside Mortgage Finance

August 3, 2023

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A New King Reigns Over the Mortgage Servicing Market

Chase didn't back into the top servicer ranking, it blew past Wells Fargo in the second quarter. But Mr. Cooper Group has its eyes on the $1 trillion mark. (Includes three data charts.) Read More

Capital Requirements Proposal Could Prompt Shifts

The proposal would change risk weights for mortgages in bank portfolios based on LTV ratios. Close to 20% of mortgages not sold by banks in 2022 had LTV ratios for which higher capital requirements would apply. Read More

Unexpected Home Price Growth Boosts GSE Earnings

Fannie and Freddie both shifted from a provision for losses in the first quarter to a benefit in the second. Almost all of that improvement took place in the enterprises’ single-family businesses. Read More

CFPB Cracks Down on LO Comp Practices

As the CFPB reassesses its loan originator compensation rules, it took novel actions against lenders for LO comp practices. Read More

Lenders, Homebuilders See Success With Buydowns

Buydowns of interest rates on mortgages continue to be a valuable tool for lenders and homebuilders looking to compete in the current high interest rate environment. Read More

HUD Proposes Changes to Face-to-Face Meeting Mandate

HUD is seeking feedback on a plan to make permanent COVID-era flexibilities related to face-to-face meeting requirements between delinquent borrowers and mortgage servicers. Read More

Mixed Views on Chance of Recession, Housing Impact

The housing recession is “essentially over,” according to Lawrence Yun, chief economist for the National Association of Realtors. Read More

Berkley v. FHFA Heads Back to Court

Plaintiffs’ attorney Hamish Hume said he’s optimistic shareholders can persuade a DC jury that FHFA and the Treasury violated shareholders’ contractual rights when they agreed to implement the net worth sweep in 2012. Read More

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