Update: PennyMac Financial and loanDepot
February 7, 2022 | Last week saw the start of the reporting season for publicly listed mortgage companies, with loanDepot (LDI) and...
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The Institutional Risk Analyst
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Banks | Markets | Fintech
Christopher Whalen
R. Christopher Whalen
- Jan 31, 2022
- 4 min
Chris Abate: The Return of Private Mortgages
We see a bright future ahead for the private label loan market....
912 views
R. Christopher Whalen
- Jan 4, 2022
- 6 min
Mortgage Crises Yesterday and Today
As we move into Q4 2021 earnings, keep your eyes peeled for news of restructuring of urban commercial commercial and multifamily properties
779 views
R. Christopher Whalen
- Dec 13, 2021
- 11 min
A Bull Case for US Banks?
We ask whether bank fundamentals are starting to catch up to the very full equity market valuations , up 40% since the end of 2020
502 views
R. Christopher Whalen
- Dec 1, 2021
- 7 min
Update: Better.com, Wise PLC and United Wholesale Mortgage
Somehow the folks at UWMC did not take notice of the fact that secondary stock offerings for all issuers have basically disappeared
403 views
R. Christopher Whalen
- Nov 18, 2021
- 4 min
Profile: Raymond James Financial
RJF is one of those quiet high-performer banks in the investment world that few understand but many own in LT portfolio
322 views
R. Christopher Whalen
- Nov 15, 2021
- 4 min
As the Fed Ends QE, Stocks and Crypto Will Retreat
And in the meantime, we view the end of QE as a net negative for global stocks as well as crypto. Everything is correlated in a crowd.
1,138 views
R. Christopher Whalen
- Nov 12, 2021
- 6 min
Update: Blend Labs, Guild Mortgage and United Wholesale Mortgage
To paraphrase our friend and fellow mortgage maven Rob Chrisman, ponder a 2022 lending market that’s 75% purchases and just 4.79 million uni
321 views
R. Christopher Whalen
- Nov 10, 2021
- 8 min
Is New York City Coming Back?
Over the next several years, as the economic cost of COVID becomes full visible, New York City may face its second financial crisis
563 views
R. Christopher Whalen
- Nov 8, 2021
- 6 min
Update: Rocket Companies, PennyMac Financial Services & Home Point
When issuers like RKT and PFSI are paying up for servicing assets, you know that the secondary loan market is getting tougher by the day.
360 views
R. Christopher Whalen
- Nov 3, 2021
- 7 min
Update: New Residential Investment, Fortress & Softbank
The good news is that NRZ is growing and making strides in terms of asset creation and, especially, asset retention.
819 views
R. Christopher Whalen
- Oct 28, 2021
- 4 min
Cenlar FSB, COOP, BLND and the Great MSR Migration
Risk to investors in the market for residential mortgages is rising and from multiple sources
360 views
R. Christopher Whalen
- Oct 19, 2021
- 8 min
Interview: Tom Showalter on Perfecting the Lending Process
We speak with a revolutionary in the world of lending, Tom Showalter, Founder and CEO of Candor Technology.
574 views
R. Christopher Whalen
- Oct 18, 2021
- 8 min
Interview: Stan Middleman on the Outlook for Housing and the Economy
This week we speak with Stan Middleman, founder and CEO of Freedom Mortgage, about the US economy and the outlook for residential mortgages
933 views
R. Christopher Whalen
- Oct 12, 2021
- 6 min
Bank Earnings Setup: Rebound to 2020
Many of the better managed financials that we track have become sellers of assets rather than buyers in the past several months.
315 views
R. Christopher Whalen
- Sep 24, 2021
- 5 min
Joe Biden Doubles Down on Housing
After years of FOMC-induced asset price inflation, does the housing market really need more help?
891 views
R. Christopher Whalen
- Sep 20, 2021
- 11 min
The IRA Bank Book | Q3 2021
In the Q3 2021 edition of The IRA Bank Book, we document the slow destruction of US bank asset and equity returns by the FOMC.
355 views
R. Christopher Whalen
- Aug 30, 2021
- 5 min
Is there Racial Bias in GSE Lending? Ask President Barack Obama
Progressives in and outside of the media are on a mission, to find a problem to solve – even if none actually exists...
451 views
R. Christopher Whalen
- Aug 23, 2021
- 7 min
Interview: Lee Smith, Flagstar Bank
We expect to see a lot more M&A activity over the next 12 – 18 months, as that’s the only way for some players to grow share.
759 views
R. Christopher Whalen
- Aug 19, 2021
- 6 min
Fed Chairman Jay Powell as RobinHood
There is, after all, no free lunch for investors when the Fed is serving the thin meal of Financial Repression
513 views
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