Government-Insured Lending

FHA Underwriting Trends

Chart detailing trends for FHA origination volume and loan characteristics. Columns include volume, average debt-to-income ratio, average FICO and average loan-to-volume ratio. Breakouts are all FHA mortgages, purchase mortgages, refinances, and first-time homebuyer.

2013 Data

FHA Trends

Chart detailing trends for FHA originations. Columns include volume by loan purpose and amount (conforming, conforming-jumbo and super jumbo).

2009-3Q16 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