MBS and Mortgage Investor Activity

Mortgage-Related Security Holdings at FDIC-Insured Commercial Banks

Listing of MRS holdings at FDIC-insured commercial banks by year. Data include pass-through MBS holdings (GNMA, FNMA/FHLMC, and private) as well as CMOs/REMICs (private, agency and total) and total bank MBS volume.

1984-2006 data are yearly from 1984-2003 and quarterly from 2004-2006.

1990-2007 data are yearly from 1990-2007 and include quarterly data from 2002-2007.

2000-2011 data are yearly from 2001-2010 and include quarterly data from 2010-2011.

2000-2011 Data

1990-2007 Data

1984-2006 Data

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Poll

Are current mortgage underwriting standards too tough?

Yes, they don’t reflect current market conditions and need to be adjusted to allow borrowers with below 700 FICO scores and smaller downpayments to qualify for mortgages.
Yes, and something needs to be done to significantly reduce repurchase or buyback risk so that lenders don’t apply even tougher underwriting overlays.
No, the standards are appropriate given current risks and the major default problems the mortgage market has experienced over the past several years.

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