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Ginnie Mae's new capital rules draw split opinions

While one analysis finds that publicly traded nonbanks may not be materially affected — contrary to the concerns expressed by Ocwen — Community Home Lenders Association said it would hurt moderately sized lenders.

Bose-george , Thomas-mcjoynt-griffith , Michael-smyth , Ginnie-mae , Community-home-lenders-association , Department-of-housing , Housing-finance-agency , Flash-note , Federal-housing-finance , Urban-development , Servicing , Secondary-markets

CHLA asks for changes to repooling procedures for modified FHA loans

In a letter addressed to the heads of the agency and of Ginnie Mae, the association asked them to consider recommendations made by a former government housing policy leader.

Freddie-mac , Alanna-mccargo , Scott-olson , Ted-tozer , Ginnie-mae , Community-home-lenders-association , Housing-administration , Institute-housing-finance-policy-center , Home-lenders-association , Federal-housing-administration , Director-scott , Urban-institute

Community Lending, Financial Literacy Tools; Customer Experience Study; CMLA/CHLA; FHFA and Ginnie and Seller Servicers

Today is World Breast Cancer Research Day, a global recognition of the life-changing research (past, present, and future) to end breast cancer. That would be nice. What is also nice, so far, is the lack of named storms in the Southeast. Lenders, and servicers, and of course homeowners, in the Southeast dread “hurricane season.” Back in May, NOAA's outlook for the 2022 Atlantic hurricane season (June 1 to November 30) called for “above normal” storm activity. But the prediction, like interest rate predictions, has so far been wrong, and it has been surprisingly quiet to date, thankfully. In the housing market, things are also quieting down somewhat as the summer season winds down. Or is it due to recession fears? Time will tell. Meanwhile, every week I receive questions about market dynamics and individual lender performance. How much did “X” produce last year? In which states? What is their product mix? What was their growth YoY? Where can I access this data? There are various dashboard products, but the latest is Gallus’ new data visualization tool that provides answers to such questions and much more, including multi-year trends for all market participants. (Available here, this week’s podcast is sponsored by Agile, the mortgage industry's MBS fintech. Bringing the mortgage capital markets into a new digital era. From lenders to dealers, Agile is the new way to quote MBS. Today’s has an interview with Megan Sinclair, millennial home buying expert, on current millennial sentiment and living trends.)

United-states , Philadelphia , Pennsylvania , America , Freddie-mac , Brian-vieaux , Scott-olson , Azad-rafat , Megan-sinclair , David-horne , Ginnie-mae , David-burruss

Smaller mortgage lender lobby groups to merge

The Community Home Lenders Association (CHLA) and the Community Mortgage Lenders of America, two Washington, D.C. lobby groups representing smaller mortgage lenders, will join forces.

United-states , Washington , America , Steve-preston , Michael-jones , Scott-olson , David-horne , Rob-zimmer , Community-home-lenders-association , House-financial-services-committee , Community-mortgage-lenders-of-america , Department-of-housing

The good, the bad and the blurry

Another week, another round of perplexing signals about the health of the U.S. economy.

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Mortgage trade groups for smaller lenders merge

The Community Home Lenders Association and the Community Mortgage Lenders of America are combining under a new name, the Community Home Lenders of America.

United-states , Washington , America , Michael-jones , Scott-olson , David-horne , Rob-zimmer , Consumer-financial-protection-bureau , Community-home-lenders-association , Community-mortgage-lenders-of-america , Housing-administration , Community-home-lenders-of-america

The FHA is stuck in the horse-and-buggy era

The way the Federal Housing Administration is funded and constrained by laws, rules and other operational limitations is analogous to the FHA living in the horse-and-buggy era in an age when we are starting to see driverless cars, writes the Executive Director of the Community Home Lenders Association.

Bruce-vento , Carol-galante , Brian-montgomery , Ginnie-mae , Deposit-insurance-corporation , Spending-authority , Obama-administration , National-credit-union-association , Community-home-lenders-association , Information-technology , Housing-finance-agency , Housing-administration

Ginnie Mae tweaks some capital requirements

The changes, which appear to be separate from a controversial nonbank proposal that's pending, will reduce red tape for credit unions and housing finance agencies and clarify a calculation for loans eligible for repurchase.

Alanna-mccargo , Scott-olson , Ginnie-mae , David-battany , Guild-mortgage , Community-home-lenders-association , Department-of-housing , Mae-president-alanna-mccargo , Community-home-lenders , Urban-development , Servicing , Politics-and-policy

Banking agencies get deluge of feedback on CRA proposal

Stakeholders on all sides of the issues sounded off on the proposed changes to the federal redlining statute in comments to the banking agencies marshaling the changes. HousingWire breaks down who said what.

Jerome-powell , Ginnie-maepools , Ed-demarco , David-dworkin , Ginnie-mae , Community-reinvestment , National-housing-confeence , Deposit-insurance-corporation , National-housing-conference , Housing-policy-council , Federal-reserve , Community-home-lenders-association

Treasury holds the cards on paused investor property and cash window caps

Instead of wiping out Trump-era caps on overall volume and investment properties, the FHFA and Treasury elected to hit pause. Whether that suspension will continue is something of a mystery for industry stakeholders.

United-states , America , Freddie-mac , Janet-yellen , Mark-calabria , Steven-mnuchin , Sandra-thompson , Community-home-lenders-association , Community-mortgage-lenders-of-america , Mortgage-bankers-association , Fannie-mae , Housing-finance-agency