Agency MBS/Secondary Activity

Sales of Higher-Priced Mortgages (HMDA Data)

Chart detailing volume of sales to Fannie Mae, Freddie Mac, Ginnie Mae, non-agency MBS, affiliates, banks and thrifts, and other (includes insurance companies, mortgage bankers, credit unions, finance companies and Farmer Mac). Includes volumes for market rate sales, total higher-priced sales, and HOEPA loans for 2007-2013. For 2014, also includes volumes for higher-priced sales by percentage above the average prime offer rate.

2007-2014 Data

Poll

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

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