Channel Analysis

Agency Channel/Purpose Loan Detail

Average underwriting characteristics (FICO score, debt-to-income ratio, loan-to-value ratio and loan size) by loan purpose by channel for the government-sponsored enterprises and for Ginnie Mae.

2014 Data

Poll

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

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