Mortgage Origination Activity

Originations and Applications Trends (HMDA Data)

Volume of originations and applications by year. Includes breakouts for conventional-conforming purchase, government-insured purchase and refinance.

2005-2015 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.

47%

Yes, by a lot.

5%

Yes and, heck, we may even do non-QM lending.

14%

No, not at all.

26%

No and we may even tighten credit.

7%