Mortgage Origination Activity

Higher-Priced Originations (HMDA Data)

Comparison of volume of sales of higher-priced mortgages (based on spread over average prime offer rate) and market-rate loans. Includes breakouts by purchaser (Fannie Mae, Freddie Mac, Ginnie Mae, non-agency purchasers, affiliates, banks and other, which includes insurance companies, mortgage bankers, credit unions, finance companies and Farmer Mac). For each year, the total and breakouts are provided for market-rate sales and higher-priced sales. For the most recent year, higher-priced is further divided into bands based on spread above APOR. For 2011-2015 total and breakouts are also provided for HOEPA loans.

2015 Data

Chart showing number of higher-priced loans by loan type (FHA, conventional-conforming, jumbo, FSA/RHS, and VA). For each loan type, includes higher-priced percent of total loans originated and year-over-year change.

2014 Data

Poll

In 2016, what have you been paying your retail residential loan officers, on average, as a commission?

25 to 50 basis points per loan
51 to 75 bps
76 to 100 bps
101 to 150 bps
More than 150 bps
We’re a call center lender and don’t disclose that data point.

vote to see results
Housing Pulse