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).

2009-2Q16 Data


After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


Housing Pulse