GNMA Issuer Rule Threatens Government Market
This rule could cost literally tens of billions in losses to banks and nonbanks alike...
The Institutional Risk Analyst
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R. Christopher Whalen
- Jun 30
- 7 min
Profile: Blend Labs, Inc ("BLND")
Is BLND worth more than RKT, or entrenched data monopolies and solution providers such as BKI or even CLGX?
729 views
R. Christopher Whalen
- May 25
- 5 min
Update: Rising Interest Rates & Mortgage Servicing
The Fed’s chief concern is keeping the Treasury debt market open and functional. Liquidity includes cash and risk-free collateral...
634 views
R. Christopher Whalen
- May 14
- 6 min
Update: Rocket Companies & United Wholesale Mortgage
We view RKT's refusal to provide this material information to investors as a significant omission in its public disclosure...
482 views
R. Christopher Whalen
- Apr 19
- 5 min
The Interview: Nom de Plumber on Forbearance Risk
Sooner or later someone has to eat those forgone cash flow losses....
899 views
R. Christopher Whalen
- Mar 29
- 8 min
Nonbanks Face Labyrinth of Risk from COVID Loans
Given that IMBs now service two-thirds of all 1-4 family residential mortgage loans, the risk to the nonbanks from COVID is growing...
867 views
R. Christopher Whalen
- Feb 11
- 8 min
Update: Ocwen & New Residential
In this issue of The Institutional Risk Analyst, we compare two major players in the residential mortgage servicing space, New...
328 views
R. Christopher Whalen
- Dec 21, 2020
- 6 min
Joe Biden Must Fire FHFA Director Calabria
If you sent somebody to deliberately sabotage the US housing market, you could not find a better perpetrator than Director Calabria.
2,137 views
R. Christopher Whalen
- Dec 10, 2020
- 13 min
Is there a Bull Case for US Bank Stocks?
In this edition of The IRA Bank Book for Q4 2020, we ask a basic question: Is there a bull case for US banks?
681 views
R. Christopher Whalen
- Nov 23, 2020
- 7 min
Nonbank Update: PennyMac Financial Services
There is no actual disclosure from PSFI as to exactly how much of the firm’s default advances are being financed with bondholder funds
500 views
R. Christopher Whalen
- Oct 12, 2020
- 7 min
Top Five US Banks: Q3 2020 Earnings Setup
There is a reason why the smart money on Wall Street is creating new strategies focused on non-performing loans...
695 views
R. Christopher Whalen
- Oct 5, 2020
- 11 min
The Bear Case for Mortgage Lenders
This week we make the bear case for the housing sector as several more large mortgage issuers announce IPOs....
872 views
R. Christopher Whalen
- Aug 31, 2020
- 12 min
The IRA Bank Book Q3 2020
Quarterly net income for all FDIC-insured commercial banks fell 70% YOY...
378 views
R. Christopher Whalen
- Aug 11, 2020
- 5 min
Risk & Return in the Age of Misgovernance
Falling US consumer spending is an ominous sign
637 views
R. Christopher Whalen
- Jul 20, 2020
- 5 min
Forward Bank Earnings & Loss Rates
Nobody in the industry yet knows what will happen with corporate exposures as the year grinds to a conclusion
609 views
R. Christopher Whalen
- Jun 15, 2020
- 6 min
Quicken Loans Rides Low Rates to IPO
Low interest rates tell us all we need to know about mortgage volumes...
786 views
R. Christopher Whalen
- Jun 1, 2020
- 5 min
Markets Bounce as Real Economy Staggers
Stick with dread for now. We see a second credit tsunami approaching on the horizon.
616 views
R. Christopher Whalen
- May 18, 2020
- 6 min
Should Banks Stop Paying Dividends? Should Anybody Buy Goldman Sachs?
Rather than asking some bureaucrat in Washington, let’s let the market decide.
915 views
