MBS and Mortgage Investor Activity

Bank and Thrift MBS Holdings

Total Bank and Thrift MBS holdings and market share. Includes the following subcategories: Agency MBS, Private MBS, Agency CMO, and Private CMO. Data available yearly 1999-2008 and quarterly 2009-2011.

1999-2011 Data

Poll

Are current mortgage underwriting standards too tough?

Yes, they don’t reflect current market conditions and need to be adjusted to allow borrowers with below 700 FICO scores and smaller downpayments to qualify for mortgages.
Yes, and something needs to be done to significantly reduce repurchase or buyback risk so that lenders don’t apply even tougher underwriting overlays.
No, the standards are appropriate given current risks and the major default problems the mortgage market has experienced over the past several years.

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Housing Pulse