Cart

Inside Mortgage Finance

April 11, 2024

View Archived Issues

Share of High-Coupon Loans Continues Growing in 1Q24

Ginnie Mae continued growing its forward-mortgage servicing portfolio during the first quarter, leading to a rising share of high-coupon mortgages. Meanwhile, the GSE servicing market contracted slightly. (Includes two data tables.) Read More

CFPB Taking a Close Look at the Use of Discount Points

The use of discount points to lower mortgage rates has jumped in recent years as interest rates continued to climb. But the benefit of the points for the borrower is unclear, the CFPB said in a report. Read More

Lender Trade Groups Differ on FHFA’s Title Waiver Pilot

The Mortgage Bankers Association and the Community Home Lenders of America are on opposite sides of the debate about allowing the GSEs to waive the requirement for lender’s title insurance. Read More

Non-QM Lenders Faring Better Amid High Interest Rates

Waiting for the Federal Reserve to cut interest rates is a bit like waiting for Godot. It seems as though a cut in rates may never come. Still, there is some improvement in volumes and margins in the non-QM sector. Read More

United Wholesale Not the Most Shorted Mortgage Stock

A dip in United Wholesale Mortgage stock last week, driven by a report from a hedge fund that shorted the nonbank, has raised awareness on the number of mortgage companies that are being shorted. Read More

Lenders Considering Whether to Cut Cost or ‘Bleed it Out’

These are trying times for most home lenders, thanks to a weak origination market. What to do? Keep trimming staff or tough it out? Meanwhile, some experts believe executives should start cutting their own pay. Read More

Some Homebuyers Are Adjusting to Higher Interest Rates

A new survey shows that younger homebuyers are more willing to accept higher interest rates compared to older generations. Read More

Tech Can Help Make Loan Underwriting Fairer

Lenders using automation to enhance underwriting should ensure their models measure fairness to applicants and not just data accuracy. Read More

GAO Finds FHLBanks Followed Standards as Regional Banks Failed

Regulators were aware that the three regional banks that failed last year had large amounts of uninsured deposits and high exposure to FHLBank advances. Read More

Latest Imf News

More Imf News

Featured Data

More Featured Data

Featured Reports

More Latest Reports

Featured Poll

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

View Results