Daily Newsletter: Rates Mixed, Still Near Recent Lows; OCC Report on Mortgage Performance; CFPB on HMDA and 1003

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30 Year Fixed 3.39%   +0.00 15 Year Fixed 2.73%   +0.00 10YR Treasury 1.59%   +0.0172 FNMA 30YR 3.5 105.55   -0.05 FNMA 15YR 2.5 104.98   -0.02 View Today's Rates

Friday September 30, 2016 Mortgage Rate Watch - 3:47PM Mortgage Rates Mixed, But Closer to Recent Lows Mortgage Rates were mixed today, with some lenders in slightly weaker territory while others offered modest improvements versus yesterday. The dichotomy has to do with the timing of ... MND NewsWire - 1:54PM Mortgage Performance Stable as Balances Decline The second quarter Mortgage Metric Report from the Office of Comptroller of the Currency (OCC) shows a universe of mortgage loans that are performing in a relatively stable manner ... Pipeline Press - 10:35AM 2015 HMDA Data and Dashboard; CFPB Weighs in on 1003 and HMDA Data; ALTA on CD Are you sure that you want to keep originating FHA loans? There’s a lot of profit per loan, but it is easy to see why some companies like Chase have really pulled back from originating ... MBS Commentary - 9:14AM MBS Day Ahead: Month/Quarter-End Bond Buying Primer As we approach the rest of the trading day, keep the info from this month/quarter-end bond buying primer in mind. Remember that the bond market unofficially closes at 3pm Eastern time ... Wages Lag Home Prices; Affordability Suffers Even if Refinancing Looks Like a No-Brainer.... Latest Video Santelli: Reversals galore The Week Ahead: September employment Santelli Exchange: Central banker backstops need to stop More News from 'Around the Web' eyeonhousing.org - 3:46PM Effective Rate on New Home Loans Continues to Drop www.realtor.com - 2:01PM The Home Renovation That Never Ends Reuters - 1:03PM Deutsche Bank nears $5.4 billion settlement over mortgage bonds: AFP Reuters - 10:54AM U.S. data to put December rate hike in focus Bloomberg - 10:53AM U.S. Consumer Sentiment Climbs for First Time in Four Months Reuters - 10:50AM Atlanta Fed lowers U.S. third-quarter GDP growth view to 2.4 percent CNBC - 10:50AM How US regulators may be creating a panic around Deutsche Bank OCC - 10:50AM Mortgage Performance Improves in Second Quarter of 2016 Bloomberg - 8:40AM U.S. Consumer Spending Little Changed in August as Incomes Cool Bloomberg - 8:39AM Bond Yields Plunge to Records Then Rebound in Quarter of Drama CNBC - 8:39AM Yellen says Fed purchases of stocks, corporate bonds could help in a downturn Bloomberg - 8:38AM The Fed Is Worried About the Rent The Atlantic - 8:38AM Another Flogging for Wells Fargo Calculated Risk Blog - 8:38AM Fannie Mae: Mortgage Serious Delinquency rate declined in August, Lowest since April 2008 Today's Rates Best Execution Rate Change 30 Yr FRM 3.39% +0.00 15 Yr FRM 2.73% +0.00 FHA 30 Year Fixed 3.25% +0.05 Jumbo 30 Year Fixed 3.53% +0.01 5/1 Yr ARM 2.84% +0.04 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.05% 1.21 -0.03 30 Yr. Fixed 3.74% 1.37 -0.06 MBA ** 30 Yr. Fixed 3.66% 0.33 -0.04 15 Yr. Fixed 2.95% 0.38 -0.04 30 Yr. Jumbo 3.64% 0.28 -0.05 30 Yr. FHA 3.52% 0.21 -0.04 5/1 ARM 2.92% 0.40 -0.07 Freddie Mac ** 30 Yr. Fixed 3.42% 0.50 -0.06 15 Yr. Fixed 2.72% 0.50 -0.04 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 2.81% 0.40 +0.01 Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly. Secondary Markets MBS Price Change 30YR FNMA 3.0 103.97 -0.06 30YR FNMA 3.5 105.55 -0.05 30YR GNMA 3.0 104.77 -0.06 30YR GNMA 3.5 106.27 -0.09 15YR FNMA 3.0 104.98 -0.02 15YR FNMA 2.5 103.58 -0.05 Treasuries Yield Change 2 YR 0.7697% +0.0118 5 YR 1.1460% +0.0129 10 YR 1.5874% +0.0172 30 YR 2.3132% +0.0256 Prices as of: 9/29/2016 9:50AM EST Current MBS / Treasury Prices » MBS and Treasury data provided by Thomson Reuters. Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information. Secondary Marketing Managers: If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information

This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates and terms are subject to change without notice. © 2016 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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Daily Newsletter: Wages Lag Home Prices; Affordability Suffers; Inventory Stifling Home Sales; Where Are The Refis?!

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30 Year Fixed 3.39%   +0.02 15 Year Fixed 2.73%   +0.01 10YR Treasury 1.59%   +0.0172 FNMA 30YR 3.5 105.55   -0.05 FNMA 15YR 2.5 104.98   -0.02 View Today's Rates

Thursday September 29, 2016 MND NewsWire - 2:06PM Wages Lag Home Prices; Affordability Suffers The lack of housing affordability is rising among the 414 U.S. counties tracked by ATTOM Data Solutions. ATTOM, the new parent company of RealtyTrac, said on Thursday that 24 percent ... MND NewsWire - 10:22AM Even if Refinancing Looks Like a No-Brainer.... Why are so many people holding on to mortgages with high interest rates? Sentiment? Inertia? Apparently not. In the current issue of CoreLogic's MarketPulse , Principal Economist Molly ... MND NewsWire - 10:51AM Housing Inventory Issues Stifle Pending Sales Pending home sales were unable to sustain the slight upward tick experienced in July and resumed their downward trend in August, declining by 2.4 percent. It was the third time in four ... Mortgage Rate Watch - 4:29PM Mortgage Rates Edge Higher, But Remain in Low Range Mortgage Rates were slightly higher again today, marking the second day spent pulling back from a nice move lower that followed last week's Fed announcement. Although mortgage rates ... Distressed Sales Increased in Only 8 States Freddie and Fannie in The News: Reform, Risk Sharing, and MI; Investor Updates MBS Day Ahead: A Second Day of Weakness Would Be a Bad Sign Latest Video Here's why you can't afford to buy that house Pending home sales slip in August US GDP revised to 1.4%, better-than-expected More News from 'Around the Web' www.realtor.com - 4:06PM Will the Home Appraiser Shortage Wreck Your Home-Buying Dreams? Not If You Read This Market Watch - 4:06PM BB&T agrees $83 million settlement of FHA-insured mortgage issues Market Watch - 2:10PM 'Housing party' in the U.S. may be coming to an end Calculated Risk Blog - 2:10PM Zillow Forecast: Expect Similar YoY Growth in August for the Case-Shiller Indexes eyeonhousing.org - 2:10PM Housing Share of GDP: Housing Services Offsets Slight RFI Decline Bloomberg - 1:22PM The Original Story Behind Deutsche Bank News and Bond Reaction www.cfpbmonitor.com - 12:27PM CFPB approves FHLMC/FNMA revised uniform residential loan application; collection of HMDA ethnicity and race information in 2017 freddiemac.mwnewsroom.com - 10:33AM 30-Year Fixed-Rate Mortgage Hits 10 Week Low CNBC - 9:35AM Detroit housing rises from the ashes www.redfin.com - 9:35AM Hope is on the Horizon for Millennial Homebuyers as the Market Eases CNBC - 8:35AM US weekly jobless claims total 254K vs 260K estimate CNBC - 8:35AM GDP 2Q growth rises 1.4 percent in final reading vs. 1.2 percent estimate CNBC - 8:29AM US bonds decline again as investors ponder OPEC deal The Atlantic - 8:29AM California's Sanctions Against Wells Fargo Today's Rates Best Execution Rate Change 30 Yr FRM 3.39% +0.02 15 Yr FRM 2.73% +0.01 FHA 30 Year Fixed 3.20% +0.00 Jumbo 30 Year Fixed 3.52% +0.01 5/1 Yr ARM 2.80% -0.01 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.37% 1.26 -0.14 30 Yr. Fixed 3.95% 1.30 -0.16 MBA ** 30 Yr. Fixed 3.82% 0.34 -0.05 15 Yr. Fixed 3.06% 0.33 -0.07 30 Yr. Jumbo 3.74% 0.31 -0.05 30 Yr. FHA 3.64% 0.25 -0.05 5/1 ARM 2.93% 0.22 +0.02 Freddie Mac ** 30 Yr. Fixed 3.42% 0.50 -0.06 15 Yr. Fixed 2.72% 0.50 -0.04 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 2.81% 0.40 +0.01 Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly. Secondary Markets MBS Price Change 30YR FNMA 3.0 103.97 -0.06 30YR FNMA 3.5 105.55 -0.05 30YR GNMA 3.0 104.77 -0.06 30YR GNMA 3.5 106.27 -0.09 15YR FNMA 3.0 104.98 -0.02 15YR FNMA 2.5 103.58 -0.05 Treasuries Yield Change 2 YR 0.7697% +0.0118 5 YR 1.1460% +0.0129 10 YR 1.5874% +0.0172 30 YR 2.3132% +0.0256 Prices as of: 9/29/2016 9:50AM EST Current MBS / Treasury Prices » MBS and Treasury data provided by Thomson Reuters. Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information. Secondary Marketing Managers: If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information

This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates and terms are subject to change without notice. © 2016 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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