Agency MBS/Secondary Activity
Agency Purchase and Refinance Trends
For each period, volume of loans securitized (as measured by unpaid principal balance), average underwriting characteristics (FICO, debt-to-income, loan-to-value and size), and volume by insurance type (private mortgage insurance, FHA, VA, and Rural Housing). For purchase loans, includes share attributable to first-time homebuyers. For refi, includes share of total securitizations.
Agency Purchase-Market Activity
Average underwriting characteristics (FICO score, debt-to-income ratio, loan-to-value ratio and loan size) by agency for total purchase volume and for first-time homebuyers.
By loan size, a listing of total purchase volume and volume for first-time homebuyers. Also includes for each volume category, distribution for agencies in total, for the two GSEs together and for GNMA. Chart also includes a second section with the same information based on channel and a third section with average underwriting characteristics (FICO score, debt-to-income ratio, loan-to-value ratio and loan size) by channel for total volume and FTHB.
Agency Refinance-Market Activity
By loan size, a listing of total refinance volume . Also includes for each volume category, distribution for agencies in total, for Fannie Mae, for Freddie Mac and for Ginnie Mae. Chart also includes a second section with the same information based on channel. Also includes average underwriting characteristics (FICO score, debt-to-income ratio, loan-to-value ratio and loan size) by volume grouping and by channel.
- GSE Buybacks Thru 4Q16
- Top 20 Lender Profiles 4Q16
- Mortgage Servicing Rights: 4Q16
- GSE Seller Profile 4Q16
- Top Players 3Q16
- Mortgage Profitability 3Q16
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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