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Bose T. George

Managing Director and Senior Equity Research Analyst at Keefe, Bruyette and Woods

Bose T. George is a Managing Director and Senior Equity Research Analyst at Keefe, Bruyette & Woods, specializing in the mortgage finance sector including mortgage banks, mortgage insurers, mortgage REITs, title insurers, and GSEs. He covers specific companies such as PennyMac Financial Services (PFSI), Mr. Cooper Group (COOP), Fidelity National Financial (FNF), and MFA Financial, with a strong performance track record featuring a 100% success rate, 32.36% average return, and a 2.72-3.03 star ranking among over 4,000 analysts on platforms like StockAnalysis. George joined KBW in 2005 after five years at UBS covering mortgage companies, earlier roles at Prudential Securities in mortgage and structured finance, and Latin American equity research at BNP Paribas. He holds a BA from Earlham College, an MA in English Literature from New York University, and an MBA from Boston College.

Bose T. George's questions to TWO HARBORS INVESTMENT (TWO) leadership

Question · Q4 2025

Bose T. George inquired about the likelihood of LLPA and guarantee fee reductions at the GSEs and how the agency market is pricing in this possibility. He also asked if there have been any changes in bank interest or activity in the MSR market due to capital rules.

Answer

Nick Letica, CIO, indicated a reasonable chance of LLPA grid changes, which he believes are somewhat, but not entirely, priced into the market. Regarding the MSR market, he stated that interest remains strong and rock solid, with no particularly new trends observed from banks.

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