Agency MBS/Secondary Activity

GSE Risk Distribution

Chart detailing share of GSE business by credit score and by loan-to-value ratio.

By quarter, chart shows percentage of business in three credit score buckets (620-699, 700-739, 740+). Also shows percentage of business in three LTV buckets (0-60, 61-80 and 81-97). Statistics provided for purchase loans, refinances and total business. Modified loans and loans with LTV greater than 97 or credit score less than 620 are excluded.

2014-3Q16 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