Mortgage Profitability, Earnings and Repurchase Activity

Bank Mortgage Repurchase Activity

Ranking of top banks by repurchase volume. Columns include quarterly and YTD figures, and yearly change.

2Q14 Data (Top 100)

1Q14 Data (Top 100)

2013 Data (Top 100)

2013 Data (Expanded List)

2012 Data

2011 Data

2Q12 Data

2010 Data

Poll

What is it going to take to convince lenders to loosen the credit box (i.e., remove underwriting overlays)?

The recent rep and warranty changes announced by the Federal Housing Finance Agency should go a long way in protecting lenders from future buybacks and help expand mortgage credit.
There won’t be any significant elimination of underwriting overlays until the government stops seeking huge mortgage-related penalties and settlements from lenders.
There shouldn’t be any expansion of the mortgage credit box since looser underwriting is what caused the recent mortgage crisis.

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