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.

1Q13-2Q16 Data

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.

6M15 Data

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.

12M14 Data

6M14 Data

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.

12M14 Data

Poll

HUD has announced a 25 basis point cut in FHA premiums, which is slated to take effect in late January. Is your lending shop for or against a cut in FHA premiums?

For. It should help lending volumes.
Against. The private MI sector should take on this risk, not the government.
Too early to say.
I believe the new White House may scuttle the idea so it doesn’t matter.

vote to see results