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Inside Mortgage Finance

September 21, 2023

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GNMA Still Leads Agency MSR Gains, ARMs Rising

A handful of top servicers fell out of the market during the second quarter, while banks reported a huge gain in their ARM portfolios. (Includes three data charts.) Read More

Proposed Bank Capital Rule Would Hurt Lending, Servicing

Trade groups representing large banks and mortgage lenders warn that a July proposal to increase capital requirements for large banks could push depositories further from the mortgage market. Read More

The MSR Picture: Prices Strong, Fewer Sales?

MSR prices, especially for conventional low-coupon product, have firmed up nicely. Some large holders are cashing in. But others are choosing to live off processing income until originations snap back. Read More

GSE Credit Score Change Slows, Waiting on Data

FHFA has delayed a switch to a bi-merge credit score process at the GSEs. Industry participants are still waiting for data that is needed to help with the transition to new scoring models. Read More

Nonbank Lenders Challenged in Reaching First-Time Homebuyers

Lenders are using numerous tactics to originate mortgages for first-time buyers. There are also calls for FHA to drop its downpayment requirements. Read More

Two Tough Quarters Expected for Originations

When the Federal Reserve begins cutting rates next year, the mortgage industry will become “fat” again. At least that’s what some believe. The immediate challenge: surviving until then. Read More

Seasonal Slow Period May Lead to Lender M&A Push

Tighter margins and a seasonal slowdown in home buying are prompting lenders to consider an exit in the coming months. Read More

Assumable Mortgages Gain Attention Despite Operational Challenges

High interest rates are helping demand for mortgage assumptions. A start-up is helping homebuyers connect with sellers that have low-interest-rate mortgages. Read More

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