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.

2014-1Q16 Data

Poll

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.

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